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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Lenders in San Luis Obispo
Updated February 5, 2026
Market Overview
34
Total Lenders
1,825
Total Loans
0.06%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Sound | -$1,136 | -0.379% | 14 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $741 | -0.053% | 31 | |
3 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $703 | -0.295% | 22 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,912 | +0.055% | 312 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,175 | +0.211% | 136 | |
6 | KD CAPITAL MORTGAGE CORPORATION | Strong | Sound | Sound | Exceptional | Exceptional | $3,487 | -0.087% | 87 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,625 | +0.361% | 54 | |
8 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,791 | +0.245% | 40 | |
9 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,568 | -0.015% | 19 | |
10 | EDUCATIONAL EMPLOYEES CREDIT UNION | Strong | Exceptional | Sound | Sound | Sound | $20 | -0.720% | 12 | |
11 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,847 | +0.191% | 282 | |
12 | COASTAL FUNDING SLC, INC. | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,744 | +0.310% | 177 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,485 | +0.041% | 52 | |
14 | COASTHILLS CREDIT UNION | Strong | Exceptional | Acceptable | Sound | Sound | $618 | -0.831% | 11 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,886 | +0.422% | 69 | |
16 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,555 | +0.251% | 59 | |
17 | SESLOC | Strong | Sound | Sound | Sound | Exceptional | $935 | -0.076% | 52 | |
18 | Charles Schwab Bank, SSB | Strong | Sound | Strong | Strong | Sound | $384 | -0.296% | 11 | |
19 | DIGNIFIED HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Strong | $4,190 | +0.191% | 30 | |
20 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | -$309 | +0.214% | 30 | |
21 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $6,418 | +0.082% | 27 | |
22 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,360 | -0.050% | 25 | |
23 | THE GOLDEN 1 | Strong | Sound | Strong | Sound | Sound | -$267 | +0.013% | 17 | |
24 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $3,812 | +0.372% | 16 | |
25 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,877 | +0.254% | 12 | |
26 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $6,437 | +0.197% | 46 | |
27 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Strong | Sound | Strong | $3,248 | +0.495% | 39 | |
28 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $2,883 | +0.378% | 36 | |
29 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,319 | +0.191% | 12 | |
30 | CENTRAL COAST LENDING, INC. | Sound | Acceptable | Acceptable | Strong | Strong | $3,082 | +0.260% | 42 | |
31 | NORWICH COMMERCIAL GROUP, INC. | Sound | Acceptable | Strong | Sound | Sound | $3,187 | -0.053% | 18 | |
32 | NEXERA HOLDING LLC | Sound | Mediocre | Strong | Sound | Sound | $4,366 | +0.631% | 14 | |
33 | OCMBC, INC. | Sound | Mediocre | Strong | Sound | Sound | $6,984 | +0.401% | 11 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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.
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