Mortgage lending in San Luis Obispo County, California
Lenders in San Luis Obispo County, California reported 8,269 mortgage applications for 2025, according to the CFPB.
8,269 mortgage applications and 4,840 loans originated in 2025; the denial rate was 20.6% of 6,464 applications decided. The median loan was about $455,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: San Luis Obispo-Paso Robles, CA MSA.
- 8,269
- Applications
- 4,840
- Loans originated
- 20.6%
- Denial rate
- 1,329 denied of 6,464 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 8,269 | 4,840 |
| 2024 | 7,305 | 4,269 |
| 2023 | 6,193 | 3,518 |
| 2022 | 10,539 | 6,404 |
| 2021 | 25,097 | 17,222 |
| 2020 | 26,870 | 18,395 |
| 2019 | 14,640 | 9,509 |
| 2018 | 11,045 | 6,809 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 505 | 683 |
| Guaranteed Rate, Inc. | 435 | 671 |
| Sesloc Credit Union | 387 | 624 |
| Rocket Mortgage | 248 | 361 |
| Coastal Funding SLC, Inc. | 177 | 208 |
| loanDepot.com LLC | 166 | 267 |
| Crosscountry Mortgage, LLC | 125 | 164 |
| The Golden 1 Credit Union | 120 | 210 |
| Pennymac Loan Services LLC | 112 | 179 |
| Bank of America NA | 105 | 216 |
| Kind Lending, LLC | 95 | 140 |
| JPMorgan Chase Bank, NA | 85 | 144 |
| US Bank, N.A. | 78 | 171 |
| The Loan Store, Inc | 68 | 98 |
| Envoy Mortgage, LTD | 64 | 82 |
| Spring Eq, LLC | 55 | 179 |
| Central Coast Lending, Inc. | 49 | 55 |
| Nationstar Mortgage | 46 | 64 |
| Golden Empire Mortgage, Inc. | 45 | 67 |
| Schoolsfirst Fcu | 41 | 52 |
| Newrez LLC | 38 | 126 |
| Murphy Bank | 37 | 57 |
| American Pacific Mortgage Corporation | 35 | 43 |
| Freedom Mortgage Corporation | 35 | 92 |
| Alliant Credit Union | 34 | 51 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 58 | no rate: base under 50 |
| Asian | 246 | 15.1% of 179 decided |
| Black or African American | 45 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 5,636 | 19.8% of 4,499 decided |
| 2 or more minority races | 16 | no rate: base under 50 |
| Joint | 280 | 15.7% of 216 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,975 | 23.3% of 1,461 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 777 | 26.4% of 621 decided |
| Not Hispanic or Latino | 5,193 | 19.1% of 4,114 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,839 | 23.8% of 1,363 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,186 | 25.0% of 1,690 decided |
| Female | 1,476 | 25.5% of 1,141 decided |
| Joint | 3,753 | 15.2% of 3,057 decided |
| Sex Not Available | 854 | 25.9% of 576 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 49 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved