Safe Rate Rankings

Best All Lender Mortgage Lenders in San Luis Obispo

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders34

Total Loans1,825

Median Rate Spread0.06%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,912Fees	0.055%Above	312
2	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,847Fees	0.191%Above	282
3	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$741Fees	0.053%Below	31
4	Bank of America, National AssociationBank	Strong	Strong	Strong	Sound	$703Fees	0.295%Below	22
5	COASTAL FUNDING SLC, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,744Fees	0.310%Above	177
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,175Fees	0.211%Above	136
7	KD CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Sound	Exceptional	$3,487Fees	0.087%Below	87
8	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,625Fees	0.361%Above	54
9	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,485Fees	0.041%Above	52
10	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,791Fees	0.245%Above	40
11	SESLOCCredit Union	Strong	Sound	Acceptable	Exceptional	$935Fees	0.076%Below	52
12	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,886Fees	0.422%Above	69
13	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,555Fees	0.251%Above	59
14	DIGNIFIED HOME LOANS, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,190Fees	0.191%Above	30
15	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,360Fees	0.050%Below	25
16	GOLDEN EMPIRE MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$6,437Fees	0.197%Above	46
17	ENVOY MORTGAGE, LTDIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,248Fees	0.495%Above	39
18	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$2,883Fees	0.378%Above	36
19	THE LOAN STORE, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$309Credit	0.214%Above	30
20	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$6,418Fees	0.082%Above	27
21	CENTRAL COAST LENDING, INC.Independent Mortgage Company	Sound	Acceptable	Acceptable	Strong	$3,082Fees	0.260%Above	42

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.