# Best Mortgage Lenders in San Luis Obispo

**As of:** 2026-05-23

Compare the top mortgage lenders in San Luis Obispo. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/san-luis-obispo/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 34
- **Total Loans:** 1,825
- **Median Rate Spread:** 0.06441176470588235%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 312 | Independent Mortgage Company |
| 2 | GUARANTEED RATE, INC. | 78 | 41 | 69 | 282 | Independent Mortgage Company |
| 3 | COASTAL FUNDING SLC, INC. | 74 | 21 | 85 | 177 | Independent Mortgage Company |
| 4 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 136 | Independent Mortgage Company |
| 5 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 54 | Independent Mortgage Company |
| 6 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 52 | Independent Mortgage Company |
| 7 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 40 | Bank |
| 8 | U.S. Bank National Association | 73 | 75 | 71 | 31 | Bank |
| 9 | Bank of America, National Association | 73 | 73 | 75 | 22 | Bank |
| 10 | KD CAPITAL MORTGAGE CORPORATION | 71 | 45 | 52 | 87 | Independent Mortgage Company |
| 11 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 69 | Independent Mortgage Company |
| 12 | KIND LENDING, LLC | 63 | 39 | 73 | 59 | Independent Mortgage Company |
| 13 | DIGNIFIED HOME LOANS, LLC | 63 | 23 | 76 | 30 | Independent Mortgage Company |
| 14 | SESLOC | 62 | 52 | 31 | 52 | Credit Union |
| 15 | MOVEMENT MORTGAGE, LLC | 62 | 32 | 84 | 25 | Independent Mortgage Company |
| 16 | ENVOY MORTGAGE, LTD | 58 | 23 | 55 | 39 | Independent Mortgage Company |
| 17 | THE LOAN STORE, INC. | 58 | 40 | 77 | 30 | Independent Mortgage Company |
| 18 | Sierra Pacific Mortgage Company, Inc. | 58 | 32 | 80 | 27 | Independent Mortgage Company |
| 19 | GOLDEN EMPIRE MORTGAGE, INC. | 54 | 18 | 87 | 46 | Independent Mortgage Company |
| 20 | AMERICAN PACIFIC MORTGAGE CORPORATION | 54 | 14 | 84 | 36 | Independent Mortgage Company |
| 21 | CENTRAL COAST LENDING, INC. | 50 | 34 | 38 | 42 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within San Luis Obispo.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.