SAN LUIS OBISPO - PASO ROBLES Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in San Luis Obispo - Paso Robles averaged
7.01%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
6.76% and
one month ago for the week of 2025-04-17, the
average rate was 6.88%.
San Luis Obispo - Paso Robles's average rate one year ago was 7.07%.
For refis of the same type during the week of 2025-05-22, the average rate
was 6.71%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| San Luis Obispo - Paso Robles 30 Year Fixed Rate | 2025-05-22 | 7.01% |
| San Luis Obispo - Paso Robles 30 Year Fixed Rate Refi | 2025-05-22 | 6.71% |
| San Luis Obispo - Paso Robles 15 Year Fixed Rate | 2025-05-22 | 6.01% |
| San Luis Obispo - Paso Robles 15 Year Fixed Rate Refi | 2025-05-22 | 6.01% |
| San Luis Obispo - Paso Robles 30 Year FHA | 2025-05-22 | 6.55% |
| San Luis Obispo - Paso Robles 30 Year FHA Refi | 2025-05-22 | 6.61% |
| San Luis Obispo - Paso Robles 30 Year USDA | 2025-05-22 | 6.43% |
| San Luis Obispo - Paso Robles 30 Year USDA Refi | 2025-05-22 | 6.23% |
| San Luis Obispo - Paso Robles 30 Year VA | 2025-05-22 | 6.6% |
| San Luis Obispo - Paso Robles 30 Year VA Refi | 2025-05-22 | 6.72% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within SAN LUIS OBISPO-PASO ROBLES, CA.
SAN LUIS OBISPO - PASO ROBLES Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the SAN LUIS OBISPO-PASO ROBLES, CA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
SAN LUIS OBISPO - PASO ROBLES Average Closing Costs & Other Stats
SAN LUIS OBISPO-PASO ROBLES, CA's 174 lenders originated 4,155
loans during 2024. The total origination value was $2,091,225,000, with an average loan value of
$503,303.
SAN LUIS OBISPO - PASO ROBLES's average closing costs are $6,065.
The top SAN LUIS OBISPO - PASO ROBLES lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
260 loans originated. Their average total fees are
$9,047, which is $2,414
higher than the next largest lender,
GUARANTEED RATE, INC..
The lowest fee SAN LUIS OBISPO - PASO ROBLES lenders (with over 10 loans originated) are
Charles Schwab Bank, SSB ($2,299), Educational Employees Credit Union ($3,200), THE GOLDEN 1 ($3,650), Morgan Stanley Private Bank ($4,041) and COASTHILLS ($4,385).
The lowest rate SAN LUIS OBISPO - PASO ROBLES lenders (with over 10 loans originated) are
Educational Employees Credit Union (5.92%), COASTHILLS (6.05%), Morgan Stanley Private Bank (6.16%), Charles Schwab Bank, SSB (6.17%) and Bank of America (6.19%).
SAN LUIS OBISPO-PASO ROBLES, CA Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $189,290,000 | $251,630,000 | 32.9% | 12.0% |
| GUARANTEED RATE, INC. | $87,200,000 | $231,680,000 | 165.7% | 11.1% |
| COASTAL FUNDING SLC, INC. | $49,920,000 | $109,915,000 | 120.2% | 5.3% |
| JPMorgan Chase Bank | $54,025,000 | $98,460,000 | 82.2% | 4.7% |
| QUICKEN LOANS, LLC | $73,400,000 | $88,135,000 | 20.1% | 4.2% |
| SESLOC | $83,365,000 | $77,145,000 | -7.5% | 3.7% |
| KD CAPITAL MORTGAGE CORPORATION | $38,070,000 | $54,325,000 | 42.7% | 2.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $103,125,000 | $49,820,000 | -51.7% | 2.4% |
| Century Mortgage Company DBA Century Lending Company | $32,490,000 | $48,980,000 | 50.8% | 2.3% |
| PENNYMAC LOAN SERVICES, LLC | $34,850,000 | $46,150,000 | 32.4% | 2.2% |
| LOANDEPOT.COM, LLC | $40,510,000 | $44,320,000 | 9.4% | 2.1% |
| U.S. Bank | $48,820,000 | $38,060,000 | -22.0% | 1.8% |
| Bank of America | $36,115,000 | $37,430,000 | 3.6% | 1.8% |
| Golden Empire Mortgage, Inc. | $9,400,000 | $32,755,000 | 248.5% | 1.6% |
| Banner Bank | $30,440,000 | n/a | 1.5% | |
| ENVOY MORTGAGE, LTD | $21,035,000 | $27,325,000 | 29.9% | 1.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $11,910,000 | $24,235,000 | 103.5% | 1.2% |
| CENTRAL COAST LENDING, INC. | $24,805,000 | $24,050,000 | -3.0% | 1.2% |
| THE GOLDEN 1 | $11,965,000 | $22,750,000 | 90.1% | 1.1% |
| MOVEMENT MORTGAGE, LLC | $11,065,000 | $21,995,000 | 98.8% | 1.1% |
| The Loan Store, Inc. | $1,270,000 | $21,760,000 | 1,613.4% | 1.0% |
| Wells Fargo Bank | $20,500,000 | $17,885,000 | -12.8% | 0.9% |
| DIGNIFIED HOME LOANS, LLC | $14,675,000 | $17,270,000 | 17.7% | 0.8% |
| LENDINGHOME FUNDING CORPORATION | $6,435,000 | $15,900,000 | 147.1% | 0.8% |
| FINANCE OF AMERICA REVERSE LLC | $7,520,000 | $14,845,000 | 97.4% | 0.7% |
| Citibank | $15,750,000 | $14,745,000 | -6.4% | 0.7% |
| Sierra Pacific Mortgage Company, Inc. | $10,505,000 | $13,550,000 | 29.0% | 0.6% |
| COASTHILLS | $17,870,000 | $12,995,000 | -27.3% | 0.6% |
| Citadel Servicing Corporation | $3,080,000 | $12,550,000 | 307.5% | 0.6% |
| NEXERA HOLDING LLC | $3,850,000 | $12,420,000 | 222.6% | 0.6% |
| Flagstar Bank, FSB | $6,190,000 | $11,825,000 | 91.0% | 0.6% |
| NAVY FEDERAL CREDIT UNION | $5,760,000 | $11,025,000 | 91.4% | 0.5% |
| American Riviera Bank | $2,975,000 | $10,790,000 | 262.7% | 0.5% |
| NORWICH COMMERCIAL GROUP, INC. | $10,660,000 | n/a | 0.5% | |
| NEWREZ LLC | $1,490,000 | $10,260,000 | 588.6% | 0.5% |
| Educational Employees Credit Union | $6,955,000 | $9,910,000 | 42.5% | 0.5% |
| GUILD MORTGAGE COMPANY | $7,675,000 | $8,895,000 | 15.9% | 0.4% |
| BMO Harris Bank | $9,715,000 | $8,615,000 | -11.3% | 0.4% |
| OCMBC, INC. | $3,730,000 | $8,550,000 | 129.2% | 0.4% |
| Morgan Stanley Private Bank | $20,750,000 | $8,425,000 | -59.4% | 0.4% |
| FREEDOM MORTGAGE CORPORATION | $2,710,000 | $8,385,000 | 209.4% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $5,430,000 | $8,325,000 | 53.3% | 0.4% |
| CMG MORTGAGE, INC. | $10,355,000 | $8,320,000 | -19.7% | 0.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,525,000 | $8,205,000 | 438.0% | 0.4% |
| Mechanics Bank | $16,345,000 | $8,140,000 | -50.2% | 0.4% |
| PHH Mortgage Corporation | $4,180,000 | $7,885,000 | 88.6% | 0.4% |
| Charles Schwab Bank, SSB | $6,270,000 | $7,445,000 | 18.7% | 0.4% |
| Mortgage Research Center, LLC | $3,600,000 | $7,255,000 | 101.5% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $4,040,000 | $6,770,000 | 67.6% | 0.3% |
| Murphy Bank | $5,620,000 | $6,325,000 | 12.5% | 0.3% |
| Commerce Home Mortgage, Inc. | $10,040,000 | $6,130,000 | -38.9% | 0.3% |
| Tri Counties Bank | $8,530,000 | $6,120,000 | -28.3% | 0.3% |
| SCHOOLSFIRST | $6,000,000 | $5,965,000 | -0.6% | 0.3% |
| ALAMEDA MORTGAGE CORPORATION | $3,015,000 | $5,740,000 | 90.4% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $7,030,000 | $5,600,000 | -20.3% | 0.3% |
| GREYSTONE SERVICING COMPANY LLC | $5,535,000 | n/a | 0.3% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $10,340,000 | $5,245,000 | -49.3% | 0.3% |
| BROKER SOLUTIONS, INC. | $4,815,000 | $5,225,000 | 8.5% | 0.2% |
| Third Federal Savings and Loan Association of Cleveland | $2,445,000 | $5,180,000 | 111.9% | 0.2% |
| Zions Bank | $2,145,000 | $5,055,000 | 135.7% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $5,775,000 | $5,015,000 | -13.2% | 0.2% |
| Axos Bank | $4,945,000 | n/a | 0.2% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $735,000 | $4,900,000 | 566.7% | 0.2% |
| Figure Lending LLC | $2,900,000 | $4,660,000 | 60.7% | 0.2% |
| Luxury Mortgage Corp. | $325,000 | $4,630,000 | 1,324.6% | 0.2% |
| AMWEST FUNDING CORP. | $3,430,000 | $4,515,000 | 31.6% | 0.2% |
| LONGBRIDGE FINANCIAL, LLC | $4,290,000 | $4,415,000 | 2.9% | 0.2% |
| Servion, Inc. | $1,460,000 | $4,405,000 | 201.7% | 0.2% |
| UBS Bank USA | $3,805,000 | $4,390,000 | 15.4% | 0.2% |
| TOP FLITE FINANCIAL, INC. | $1,970,000 | $4,375,000 | 122.1% | 0.2% |
| Stifel Bank and Trust | $2,625,000 | $4,270,000 | 62.7% | 0.2% |
| ALLIANT CREDIT UNION | $2,065,000 | $4,265,000 | 106.5% | 0.2% |
| DEEPHAVEN MORTGAGE LLC | $1,030,000 | $4,230,000 | 310.7% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $705,000 | $4,150,000 | 488.7% | 0.2% |
| CARDINAL FINANCIAL | $6,255,000 | $4,125,000 | -34.1% | 0.2% |
| EVANSVILLE TEACHERS | $4,030,000 | n/a | 0.2% | |
| ARC HOME LLC | $1,735,000 | $3,700,000 | 113.3% | 0.2% |
| PLAZA HOME MORTGAGE, INC. | $4,435,000 | $3,690,000 | -16.8% | 0.2% |
| NP, Inc. | $3,635,000 | n/a | 0.2% | |
| Hometown Equity Mortgage, LLC | $445,000 | $3,620,000 | 713.5% | 0.2% |
| PNC Bank | $13,780,000 | $3,415,000 | -75.2% | 0.2% |
| FUNDLOANS CAPITAL | $3,400,000 | n/a | 0.2% | |
| UNION HOME MORTGAGE CORP. | $3,380,000 | n/a | 0.2% | |
| 5TH STREET CAPITAL, INC. | $3,175,000 | n/a | 0.2% | |
| VALLEY STRONG CREDIT UNION | $5,365,000 | $3,030,000 | -43.5% | 0.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $1,420,000 | $3,015,000 | 112.3% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $425,000 | $2,915,000 | 585.9% | 0.1% |
| Discover Bank | $2,530,000 | $2,755,000 | 8.9% | 0.1% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $2,730,000 | n/a | 0.1% | |
| LOGIX FEDERAL CREDIT UNION | $2,060,000 | $2,700,000 | 31.1% | 0.1% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $2,165,000 | $2,660,000 | 22.9% | 0.1% |
| GTE Federal Credit Union | $960,000 | $2,610,000 | 171.9% | 0.1% |
| HighTechLending Inc | $1,205,000 | $2,595,000 | 115.4% | 0.1% |
| Equity Prime Mortgage LLC | $1,385,000 | $2,590,000 | 87.0% | 0.1% |
| LENDSURE MORTGAGE CORP. | $435,000 | $2,585,000 | 494.3% | 0.1% |
| Beverly Bank & Trust | $2,580,000 | n/a | 0.1% | |
| City National Bank | $3,265,000 | $2,580,000 | -21.0% | 0.1% |
| USAA Federal Savings Bank | $965,000 | $2,555,000 | 164.8% | 0.1% |
| BRIDGELOCK CAPITAL | $2,495,000 | n/a | 0.1% | |
| S1L, Inc. | $865,000 | $2,430,000 | 180.9% | 0.1% |
| MORIA DEVELOPMENT, INC. | $605,000 | $2,390,000 | 295.0% | 0.1% |
| HomeStreet Bank | $65,000 | $2,355,000 | 3,523.1% | 0.1% |
| BM Real Estate Services, Inc. | $2,245,000 | n/a | 0.1% | |
| BNY Mellon | $2,205,000 | n/a | 0.1% | |
| AXIA FINANCIAL, LLC | $2,660,000 | $2,185,000 | -17.9% | 0.1% |
| NEW WAVE LENDING GROUP INC | $970,000 | $2,165,000 | 123.2% | 0.1% |
| PLANET HOME LENDING, LLC | $1,490,000 | $2,150,000 | 44.3% | 0.1% |
| Toyota Financial Savings Bank | $1,105,000 | $2,095,000 | 89.6% | 0.1% |
| OAKTREE FUNDING CORP. | $215,000 | $2,080,000 | 867.4% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $4,135,000 | $2,080,000 | -49.7% | 0.1% |
| Northpointe Bank | $175,000 | $2,075,000 | 1,085.7% | 0.1% |
| HomeTrust Bank | $1,255,000 | $2,070,000 | 64.9% | 0.1% |
| Logan Finance Corporation | $1,145,000 | $2,055,000 | 79.5% | 0.1% |
| GEORGIA'S OWN | $1,770,000 | $2,050,000 | 15.8% | 0.1% |
| Carrington Mortgage Services, LLC | $490,000 | $2,035,000 | 315.3% | 0.1% |
| Greenbox Loans, Inc. | $355,000 | $2,015,000 | 467.6% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $2,030,000 | $2,015,000 | -0.7% | 0.1% |
| TOTAL MORTGAGE SERVICES, LLC | $2,005,000 | n/a | 0.1% | |
| NBKC BANK | $640,000 | $1,980,000 | 209.4% | 0.1% |
| SPRING EQ, LLC | $480,000 | $1,920,000 | 300.0% | 0.1% |
| First Federal Bank | $1,915,000 | n/a | 0.1% | |
| ADVANCIAL | $1,895,000 | n/a | 0.1% | |
| BAY EQUITY LLC | $3,945,000 | $1,875,000 | -52.5% | 0.1% |
| Watermark Capital, Inc. | $615,000 | $1,865,000 | 203.3% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $2,965,000 | $1,820,000 | -38.6% | 0.1% |
| ZILLOW HOME LOANS, LLC | $255,000 | $1,810,000 | 609.8% | 0.1% |
| FIRST COLONY MORTGAGE CORPORATION | $905,000 | $1,790,000 | 97.8% | 0.1% |
| 21ST MORTGAGE CORPORATION | $690,000 | $1,750,000 | 153.6% | 0.1% |
| AUGUSTA FINANCIAL, INC. | $1,740,000 | n/a | 0.1% | |
| Franklin Loan Corporation | $1,390,000 | $1,725,000 | 24.1% | 0.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $1,680,000 | n/a | 0.1% | |
| JMJ FINANCIAL GROUP | $575,000 | $1,655,000 | 187.8% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $495,000 | $1,615,000 | 226.3% | 0.1% |
| The Huntington National Bank | $1,615,000 | n/a | 0.1% | |
| American Mortgage & Equity Consultants, Inc. | $465,000 | $1,575,000 | 238.7% | 0.1% |
| Umpqua Bank | $7,785,000 | $1,560,000 | -80.0% | 0.1% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $1,140,000 | $1,555,000 | 36.4% | 0.1% |
| Farmers Bank & Trust | $2,530,000 | $1,530,000 | -39.5% | 0.1% |
| Community West Bank | $4,340,000 | $1,485,000 | -65.8% | 0.1% |
| Performance Financial, Inc. | $965,000 | $1,480,000 | 53.4% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $770,000 | $1,450,000 | 88.3% | 0.1% |
| NMSI, INC. | $2,185,000 | $1,430,000 | -34.6% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $2,400,000 | $1,380,000 | -42.5% | 0.1% |
| CORNERSTONE HOME LENDING, INC. | $1,325,000 | n/a | 0.1% | |
| Bethpage Federal Credit Union | $3,585,000 | $1,275,000 | -64.4% | 0.1% |
| Coastal Community Bank | $1,035,000 | $1,275,000 | 23.2% | 0.1% |
| FIRST TECHNOLOGY | $75,000 | $1,275,000 | 1,600.0% | 0.1% |
| Ally Bank | $1,710,000 | $1,190,000 | -30.4% | 0.1% |
| Fremont Bank | $3,135,000 | $1,180,000 | -62.4% | 0.1% |
| QUORUM FEDERAL CREDIT UNION | $1,180,000 | n/a | 0.1% | |
| STAR ONE CREDIT UNION | $1,070,000 | $1,180,000 | 10.3% | 0.1% |
| MICHIGAN MUTUAL, INC. | $295,000 | $1,145,000 | 288.1% | 0.1% |
| GENEVA FINANCIAL, LLC | $1,110,000 | n/a | 0.1% | |
| KINECTA | $11,665,000 | $1,070,000 | -90.8% | 0.1% |
| Provident Credit Union | $735,000 | $1,065,000 | 44.9% | 0.1% |
| BAY-VALLEY MORTGAGE GROUP | $605,000 | $1,060,000 | 75.2% | 0.1% |
| ALTITUDE FINANCIAL CORPORATION | $1,035,000 | n/a | 0.0% | |
| VAL-CHRIS INVESTMENTS, INC. | $1,210,000 | $1,035,000 | -14.5% | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | $810,000 | $1,020,000 | 25.9% | 0.0% |
| Vellum Mortgage, Inc. | $1,005,000 | n/a | 0.0% | |
| WESCOM CENTRAL CREDIT UNION | $310,000 | $1,005,000 | 224.2% | 0.0% |
| PACIFIC SERVICE | $2,435,000 | $990,000 | -59.3% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $1,095,000 | $935,000 | -14.6% | 0.0% |
| Nations Lending Corporation | $1,115,000 | $930,000 | -16.6% | 0.0% |
| Citizens Business Bank | $915,000 | n/a | 0.0% | |
| BETTER MORTGAGE CORPORATION | $3,140,000 | $905,000 | -71.2% | 0.0% |
| First Western Trust Bank | $905,000 | n/a | 0.0% | |
| LADERA LENDING, INC. | $1,050,000 | $890,000 | -15.2% | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $4,535,000 | $860,000 | -81.0% | 0.0% |
| Truity Federal Credit Union | $855,000 | n/a | 0.0% | |
| AmeriHome Mortgage Company, LLC | $205,000 | $845,000 | 312.2% | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | $835,000 | n/a | 0.0% | |
| NFM, INC. | $1,520,000 | $835,000 | -45.1% | 0.0% |
| UNCLE Credit Union | $835,000 | n/a | 0.0% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $835,000 | n/a | 0.0% | |
| INFINITY EQUITY GROUP, INC. | $355,000 | $815,000 | 129.6% | 0.0% |
| MLD MORTGAGE INC. | $815,000 | n/a | 0.0% | |
| Home Mortgage Alliance Corp | $810,000 | n/a | 0.0% | |
| MID-VALLEY SERVICES, INC. | $690,000 | $805,000 | 16.7% | 0.0% |
| Pacific Lending LLC | $805,000 | n/a | 0.0% | |
| Utah Mortgage Loan Corporation | $785,000 | $805,000 | 2.5% | 0.0% |
| SAFE CREDIT UNION | $205,000 | $800,000 | 290.2% | 0.0% |
| LOANPAL, LLC | $1,030,000 | $795,000 | -22.8% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $625,000 | $760,000 | 21.6% | 0.0% |
| Plains Commerce Bank | $1,445,000 | $755,000 | -47.8% | 0.0% |
| Prosperity Home Mortgage, LLC | $200,000 | $750,000 | 275.0% | 0.0% |
| VENTURA COUNTY | $1,230,000 | $730,000 | -40.7% | 0.0% |
| General Mortgage Capital Corporation | $515,000 | $725,000 | 40.8% | 0.0% |
| Boeing Employees Credit Union | $350,000 | $700,000 | 100.0% | 0.0% |
| Bank of Hope | $695,000 | n/a | 0.0% | |
| EQUITY WAVE LENDING, INC. | $95,000 | $685,000 | 621.1% | 0.0% |
| Raymond James Bank | $685,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $685,000 | n/a | 0.0% | |
| Cathay Bank | $675,000 | n/a | 0.0% | |
| JMAC LENDING, INC. | $1,100,000 | $675,000 | -38.6% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $355,000 | $665,000 | 87.3% | 0.0% |
| SUMMIT FUNDING, INC. | $665,000 | n/a | 0.0% | |
| FBC MORTGAGE, LLC | $3,335,000 | $655,000 | -80.4% | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | $645,000 | n/a | 0.0% | |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $625,000 | $625,000 | 0.0% | 0.0% |
| The Federal Savings Bank | $2,325,000 | $625,000 | -73.1% | 0.0% |
| Farmers and Merchants Bank of Long Beach | $615,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $685,000 | $605,000 | -11.7% | 0.0% |
| NexBank | $675,000 | $605,000 | -10.4% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,240,000 | $600,000 | -51.6% | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | $930,000 | $595,000 | -36.0% | 0.0% |
| Bank of Stockton | $595,000 | n/a | 0.0% | |
| HOMESIDE FINANCIAL, LLC | $85,000 | $595,000 | 600.0% | 0.0% |
| NEW DAY FINANCIAL, LLC | $595,000 | n/a | 0.0% | |
| Shea Mortgage Inc. | $1,825,000 | $595,000 | -67.4% | 0.0% |
| Strong Home Mortgage, LLC | $595,000 | n/a | 0.0% | |
| First Federal Bank, A FSB | $585,000 | n/a | 0.0% | |
| CLEARPATH LENDING | $505,000 | $565,000 | 11.9% | 0.0% |
| SUMMIT MORTGAGE CORPORATION | $565,000 | n/a | 0.0% | |
| TECHNOLOGY | $485,000 | $565,000 | 16.5% | 0.0% |
| KEYPOINT | $545,000 | n/a | 0.0% | |
| STANFORD Federal Credit Union | $595,000 | $545,000 | -8.4% | 0.0% |
| AMERISAVE MORTGAGE CORPORATION | $1,925,000 | $530,000 | -72.5% | 0.0% |
| Comerica Bank | $1,405,000 | $520,000 | -63.0% | 0.0% |
| Firefighters First Federal Credit Union | $1,225,000 | $505,000 | -58.8% | 0.0% |
| Pacific Premier Bank | $505,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $385,000 | $475,000 | 23.4% | 0.0% |
| TJC Mortgage, Inc. | $475,000 | n/a | 0.0% | |
| COMMUNITY MORTGAGE FUNDING, LLC | $465,000 | n/a | 0.0% | |
| North American Savings Bank, F.S.B. | $465,000 | n/a | 0.0% | |
| North Coast Financial, Inc. | $225,000 | $460,000 | 104.4% | 0.0% |
| Ameris Bank | $450,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $445,000 | n/a | 0.0% | |
| GEO-CORP, INC. | $445,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $435,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $1,335,000 | $425,000 | -68.2% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $415,000 | n/a | 0.0% | |
| Noble Federal Credit Union | $805,000 | $415,000 | -48.4% | 0.0% |
| USAlliance Federal Credit Union | $410,000 | n/a | 0.0% | |
| FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers | $405,000 | n/a | 0.0% | |
| Northwest Farm Credit Services, FLCA | $2,345,000 | $405,000 | -82.7% | 0.0% |
| United States Senate Federal Credit Union | $480,000 | $400,000 | -16.7% | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | $375,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $375,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $760,000 | $375,000 | -50.7% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $640,000 | $355,000 | -44.5% | 0.0% |
| Meridian Bank Corporation | $355,000 | n/a | 0.0% | |
| SAMMAMISH MORTGAGE COMPANY | $355,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $345,000 | n/a | 0.0% | |
| Truist | $3,280,000 | $320,000 | -90.2% | 0.0% |
| AHL FUNDING | $315,000 | n/a | 0.0% | |
| MERIWEST | $310,000 | n/a | 0.0% | |
| Citizens Bank | $1,735,000 | $305,000 | -82.4% | 0.0% |
| LOS ANGELES POLICE Federal Credit Union | $35,000 | $305,000 | 771.4% | 0.0% |
| MACKILLIE INCORPORATED | $3,630,000 | $305,000 | -91.6% | 0.0% |
| RADIUS FINANCIAL GROUP INC. | $305,000 | n/a | 0.0% | |
| USE Credit Union | $295,000 | n/a | 0.0% | |
| Santa Barbara Teachers Federal Credit Union | $255,000 | $280,000 | 9.8% | 0.0% |
| CITYWIDE HOME LOANS, LLC | $265,000 | n/a | 0.0% | |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $1,030,000 | $265,000 | -74.3% | 0.0% |
| 1ST UNITED SERVICES CREDIT UNION | $155,000 | $255,000 | 64.5% | 0.0% |
| Arvest Bank | $255,000 | n/a | 0.0% | |
| CHEVRON | $25,000 | $255,000 | 920.0% | 0.0% |
| Credit Union of Southern California | $255,000 | $255,000 | 0.0% | 0.0% |
| First-Citizens Bank & Trust Company | $1,100,000 | $255,000 | -76.8% | 0.0% |
| LANTZMAN MANAGEMENT, INC. | $2,270,000 | $255,000 | -88.8% | 0.0% |
| MYPOINT Credit Union | $255,000 | n/a | 0.0% | |
| PATELCO | $2,090,000 | $255,000 | -87.8% | 0.0% |
| PremierOne Credit Union | $255,000 | n/a | 0.0% | |
| San Joaquin Power Employees Credit Union | $180,000 | $255,000 | 41.7% | 0.0% |
| CBC Federal Credit Union | $235,000 | n/a | 0.0% | |
| BAY | $215,000 | n/a | 0.0% | |
| California Coast Credit Union | $135,000 | $210,000 | 55.6% | 0.0% |
| MORTGAGE CAPITAL PARTNERS, INC. | $425,000 | $205,000 | -51.8% | 0.0% |
| SEA WEST COAST GUARD FEDERAL CREDIT UNION | $125,000 | $205,000 | 64.0% | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | $195,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $325,000 | $185,000 | -43.1% | 0.0% |
| San Mateo Credit Union | $165,000 | n/a | 0.0% | |
| SANTA CLARA COUNTY | $155,000 | n/a | 0.0% | |
| F&A Federal Credit Union | $1,365,000 | $125,000 | -90.8% | 0.0% |
| PACIFIC HOME LOANS, INC. | $125,000 | n/a | 0.0% | |
| DELTA COMMUNITY CREDIT UNION | $85,000 | n/a | 0.0% | |
| SAN DIEGO COUNTY CREDIT UNION | $85,000 | n/a | 0.0% | |
| A&D Mortgage LLC | $1,510,000 | $75,000 | -95.0% | 0.0% |
| ORANGE COUNTY'S CREDIT UNION | $420,000 | $65,000 | -84.5% | 0.0% |
| American Airlines Federal Credit Union | $105,000 | $55,000 | -47.6% | 0.0% |
| CALTECH EMPLOYEES FEDERAL CREDIT UNION | $1,520,000 | $55,000 | -96.4% | 0.0% |
| POPA FEDERAL CREDIT UNION | $55,000 | n/a | 0.0% | |
| REDWOOD | $650,000 | $35,000 | -94.6% | 0.0% |
| THRIVENT Federal Credit Union | $25,000 | n/a | 0.0% |
SAN LUIS OBISPO - PASO ROBLES's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 12.0% market share. In second place, with 11.1%, is GUARANTEED RATE, INC., having originated $231,680,000 in loans. In third place, with 5.3%, is COASTAL FUNDING SLC, INC., having originated $109,915,000 in loans. In fourth place, with 4.7%, is JPMorgan Chase Bank, having originated $98,460,000 in loans. In fifth place, with 4.2%, is QUICKEN LOANS, LLC, having originated $88,135,000 in loans.
SAN LUIS OBISPO - PASO ROBLES Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - SAN LUIS OBISPO - PASO ROBLES (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $748,750 (7.9%) | $1,048,991 (3.7%) | 2.78 | 775 |
| 2018-02-01 | $744,950 (6.5%) | $1,006,055 (-2.7%) | 2.70 | 810 |
| 2018-03-01 | $737,500 (2.7%) | $998,946 (-4.7%) | 2.59 | 865 |
| 2018-04-01 | $749,900 (4.9%) | $1,022,003 (-1.5%) | 2.54 | 929 |
| 2018-05-01 | $775,000 (4.0%) | $1,057,840 (0.1%) | 2.59 | 963 |
| 2018-06-01 | $765,000 (2.1%) | $1,052,570 (1.4%) | 2.55 | 1,033 |
| 2018-07-01 | $749,500 (0.3%) | $1,025,471 (1.0%) | 2.50 | 1,078 |
| 2018-08-01 | $744,000 (2.6%) | $1,006,735 (-1.3%) | 2.49 | 1,076 |
| 2018-09-01 | $729,900 (1.4%) | $999,817 (-4.2%) | 2.45 | 1,063 |
| 2018-10-01 | $713,750 (-1.5%) | $980,884 (-7.1%) | 2.42 | 1,028 |
| 2018-11-01 | $699,475 (-3.9%) | $982,683 (-8.1%) | 2.37 | 988 |
| 2018-12-01 | $695,000 (-6.4%) | $993,670 (-7.3%) | 2.40 | 918 |
| 2019-01-01 | $699,000 (-6.6%) | $1,001,876 (-4.5%) | 2.41 | 877 |
| 2019-02-01 | $699,995 (-6.0%) | $996,058 (-1.0%) | 2.36 | 880 |
| 2019-03-01 | $699,000 (-5.2%) | $1,009,799 (1.1%) | 2.29 | 928 |
| 2019-04-01 | $709,250 (-5.4%) | $1,037,896 (1.6%) | 2.25 | 994 |
| 2019-05-01 | $727,000 (-6.2%) | $979,960 (-7.4%) | 2.27 | 1,042 |
| 2019-06-01 | $729,270 (-4.7%) | $968,845 (-8.0%) | 2.28 | 1,059 |
| 2019-07-01 | $743,500 (-0.8%) | $978,936 (-4.5%) | 2.33 | 1,086 |
| 2019-08-01 | $741,727 (-0.3%) | $966,229 (-4.0%) | 2.35 | 1,074 |
| 2019-09-01 | $732,318 (0.3%) | $948,449 (-5.1%) | 2.34 | 1,029 |
| 2019-10-01 | $725,000 (1.6%) | $936,334 (-4.5%) | 2.34 | 990 |
| 2019-11-01 | $729,900 (4.4%) | $944,356 (-3.9%) | 2.39 | 914 |
| 2019-12-01 | $729,498 (5.0%) | $942,923 (-5.1%) | 2.43 | 805 |
| 2020-01-01 | $732,610 (4.8%) | $945,906 (-5.6%) | 2.45 | 773 |
| 2020-02-01 | $749,000 (7.0%) | $976,297 (-2.0%) | 2.45 | 772 |
| 2020-03-01 | $749,000 (7.2%) | $1,019,595 (1.0%) | 2.35 | 812 |
| 2020-04-01 | $749,000 (5.6%) | $1,005,757 (-3.1%) | 2.35 | 830 |
| 2020-05-01 | $765,000 (5.2%) | $1,035,600 (5.7%) | 2.33 | 847 |
| 2020-06-01 | $777,000 (6.5%) | $1,031,544 (6.5%) | 2.29 | 795 |
| 2020-07-01 | $793,343 (6.7%) | $1,063,026 (8.6%) | 2.30 | 735 |
| 2020-08-01 | $799,990 (7.9%) | $1,119,965 (15.9%) | 2.29 | 668 |
| 2020-09-01 | $799,250 (9.1%) | $1,162,562 (22.6%) | 2.29 | 587 |
| 2020-10-01 | $819,900 (13.1%) | $1,168,062 (24.8%) | 2.35 | 526 |
| 2020-11-01 | $799,000 (9.5%) | $1,165,262 (23.4%) | 2.34 | 491 |
| 2020-12-01 | $817,500 (12.1%) | $1,184,791 (25.7%) | 2.43 | 429 |
| 2021-01-01 | $847,000 (15.6%) | $1,250,624 (32.2%) | 2.53 | 372 |
| 2021-02-01 | $825,000 (10.2%) | $1,262,324 (29.3%) | 2.40 | 311 |
| 2021-03-01 | $842,850 (12.5%) | $1,279,845 (25.5%) | 2.39 | 301 |
| 2021-04-01 | $897,000 (19.8%) | $1,425,972 (41.8%) | 2.43 | 307 |
| 2021-05-01 | $886,500 (15.9%) | $1,431,031 (38.2%) | 2.36 | 344 |
| 2021-06-01 | $892,000 (14.8%) | $1,440,471 (39.6%) | 2.35 | 348 |
| 2021-07-01 | $889,000 (12.1%) | $1,362,149 (28.1%) | 2.35 | 385 |
| 2021-08-01 | $888,000 (11.0%) | $1,411,259 (26.0%) | 2.37 | 356 |
| 2021-09-01 | $901,750 (12.8%) | $1,446,565 (24.4%) | 2.40 | 348 |
| 2021-10-01 | $950,000 (15.9%) | $1,567,842 (34.2%) | 2.53 | 300 |
| 2021-11-01 | $957,625 (19.9%) | $1,573,505 (35.0%) | 2.56 | 288 |
| 2021-12-01 | $986,250 (20.6%) | $1,601,964 (35.2%) | 2.67 | 235 |
| 2022-01-01 | $1,049,500 (23.9%) | $1,941,953 (55.3%) | 2.84 | 200 |
| 2022-02-01 | $975,000 (18.2%) | $1,839,763 (45.7%) | 2.54 | 211 |
| 2022-03-01 | $991,375 (17.6%) | $1,750,484 (36.8%) | 2.48 | 238 |
| 2022-04-01 | $999,450 (11.4%) | $1,653,293 (15.9%) | 2.38 | 254 |
| 2022-05-01 | $996,250 (12.4%) | $1,595,536 (11.5%) | 2.28 | 337 |
| 2022-06-01 | $997,249 (11.8%) | $1,539,960 (6.9%) | 2.22 | 413 |
| 2022-07-01 | $925,000 (4.1%) | $1,409,572 (3.5%) | 2.08 | 478 |
| 2022-08-01 | $914,750 (3.0%) | $1,427,903 (1.2%) | 2.11 | 481 |
| 2022-09-01 | $949,500 (5.3%) | $1,463,864 (1.2%) | 2.22 | 449 |
| 2022-10-01 | $929,000 (-2.2%) | $1,425,999 (-9.1%) | 2.19 | 456 |
| 2022-11-01 | $950,000 (-0.8%) | $1,460,384 (-7.2%) | 2.28 | 454 |
| 2022-12-01 | $954,500 (-3.2%) | $1,467,141 (-8.4%) | 2.36 | 400 |
| 2023-01-01 | $952,000 (-9.3%) | $1,283,047 (-33.9%) | 2.36 | 353 |
| 2023-02-01 | $949,000 (-2.7%) | $1,329,969 (-27.7%) | 2.29 | 341 |
| 2023-03-01 | $980,000 (-1.2%) | $1,359,082 (-22.4%) | 2.31 | 316 |
| 2023-04-01 | $995,000 (-0.5%) | $1,370,944 (-17.1%) | 2.31 | 323 |
| 2023-05-01 | $992,625 (-0.4%) | $1,380,794 (-13.5%) | 2.25 | 342 |
| 2023-06-01 | $1,015,000 (1.8%) | $1,444,641 (-6.2%) | 2.28 | 356 |
| 2023-07-01 | $1,075,000 (16.2%) | $1,505,893 (6.8%) | 2.44 | 363 |
| 2023-08-01 | $1,124,950 (23.0%) | $1,541,112 (7.9%) | 2.58 | 405 |
| 2023-09-01 | $1,100,000 (15.9%) | $1,579,983 (7.9%) | 2.56 | 429 |
| 2023-10-01 | $1,000,000 (7.6%) | $1,534,693 (7.6%) | 2.35 | 444 |
| 2023-11-01 | $999,000 (5.2%) | $1,505,755 (3.1%) | 2.38 | 455 |
| 2023-12-01 | $999,000 (4.7%) | $1,555,375 (6.0%) | 2.44 | 395 |
| 2024-01-01 | $997,000 (4.7%) | $1,568,222 (22.2%) | 2.43 | 355 |
| 2024-02-01 | $1,029,250 (8.5%) | $1,618,761 (21.7%) | 2.48 | 344 |
| 2024-03-01 | $999,000 (1.9%) | $1,580,777 (16.3%) | 2.35 | 377 |
| 2024-04-01 | $1,100,000 (10.6%) | $1,611,617 (17.6%) | 2.56 | 420 |
| 2024-05-01 | $1,174,875 (18.4%) | $1,696,251 (22.9%) | 2.67 | 441 |
| 2024-06-01 | $1,195,000 (17.7%) | $1,698,612 (17.6%) | 2.72 | 462 |
| 2024-07-01 | $1,155,500 (7.5%) | $1,707,080 (13.4%) | 2.64 | 517 |
| 2024-08-01 | $1,125,000 (0.0%) | $1,673,700 (8.6%) | 2.62 | 529 |
| 2024-09-01 | $1,110,000 (0.9%) | $1,595,915 (1.0%) | 2.61 | 588 |
| 2024-10-01 | $1,160,000 (16.0%) | $1,641,701 (7.0%) | 2.73 | 582 |
| 2024-11-01 | $1,149,000 (15.0%) | $1,640,748 (9.0%) | 2.76 | 557 |
| 2024-12-01 | $1,098,500 (10.0%) | $1,603,337 (3.1%) | 2.73 | 477 |
| 2025-01-01 | $1,099,250 (10.3%) | $1,622,642 (3.5%) | 2.74 | 458 |
| 2025-02-01 | $1,125,000 (9.3%) | $1,643,054 (1.5%) | 2.73 | 450 |
| 2025-03-01 | $1,100,000 (10.1%) | $1,603,328 (1.4%) | 2.59 | 516 |
| 2025-04-01 | $1,152,500 (4.8%) | $1,626,380 (0.9%) | 2.67 | 595 |
SAN LUIS OBISPO - PASO ROBLES's median listing price for 2025-04-01 was $1,152,500, a difference of
$52,500
(4.8%) versus the prior year and
$52,500 versus the prior month.
SAN LUIS OBISPO - PASO ROBLES's median listing price comes in at 267% of the national average.
SAN LUIS OBISPO - PASO ROBLES's average listing price for 2025-04-01 was $1,626,380, a difference of $14,763 (0.9%) versus the prior year and $23,052 versus the prior month.
For the 2025-04-01 period, SAN LUIS OBISPO - PASO ROBLES had 595 MLS listings, a difference of 79 listings (15%) versus the prior month and 175 listings (42%) versus the prior year.
SAN LUIS OBISPO - PASO ROBLES's median listing price comes in at 267% of the national average.
SAN LUIS OBISPO - PASO ROBLES's average listing price for 2025-04-01 was $1,626,380, a difference of $14,763 (0.9%) versus the prior year and $23,052 versus the prior month.
For the 2025-04-01 period, SAN LUIS OBISPO - PASO ROBLES had 595 MLS listings, a difference of 79 listings (15%) versus the prior month and 175 listings (42%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - SAN LUIS OBISPO - PASO ROBLES (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 75 days | 1,956 sqft |
| 2018-02-01 | 62 days | 1,932 sqft |
| 2018-03-01 | 46 days | 1,929 sqft |
| 2018-04-01 | 44 days | 1,985 sqft |
| 2018-05-01 | 43 days | 2,013 sqft |
| 2018-06-01 | 47 days | 2,001 sqft |
| 2018-07-01 | 51 days | 1,934 sqft |
| 2018-08-01 | 54 days | 1,950 sqft |
| 2018-09-01 | 57 days | 1,926 sqft |
| 2018-10-01 | 61 days | 1,906 sqft |
| 2018-11-01 | 65 days | 1,902 sqft |
| 2018-12-01 | 71 days | 1,886 sqft |
| 2019-01-01 | 74 days | 1,881 sqft |
| 2019-02-01 | 64 days | 1,908 sqft |
| 2019-03-01 | 57 days | 1,908 sqft |
| 2019-04-01 | 57 days | 1,912 sqft |
| 2019-05-01 | 53 days | 1,930 sqft |
| 2019-06-01 | 59 days | 1,923 sqft |
| 2019-07-01 | 64 days | 1,981 sqft |
| 2019-08-01 | 67 days | 1,966 sqft |
| 2019-09-01 | 72 days | 1,925 sqft |
| 2019-10-01 | 75 days | 1,892 sqft |
| 2019-11-01 | 77 days | 1,890 sqft |
| 2019-12-01 | 88 days | 1,893 sqft |
| 2020-01-01 | 84 days | 1,879 sqft |
| 2020-02-01 | 75 days | 1,882 sqft |
| 2020-03-01 | 59 days | 1,883 sqft |
| 2020-04-01 | 64 days | 1,897 sqft |
| 2020-05-01 | 74 days | 1,930 sqft |
| 2020-06-01 | 91 days | 1,949 sqft |
| 2020-07-01 | 76 days | 1,938 sqft |
| 2020-08-01 | 64 days | 1,908 sqft |
| 2020-09-01 | 67 days | 1,931 sqft |
| 2020-10-01 | 66 days | 1,946 sqft |
| 2020-11-01 | 72 days | 1,947 sqft |
| 2020-12-01 | 79 days | 1,926 sqft |
| 2021-01-01 | 84 days | 1,904 sqft |
| 2021-02-01 | 73 days | 1,927 sqft |
| 2021-03-01 | 52 days | 1,891 sqft |
| 2021-04-01 | 49 days | 1,992 sqft |
| 2021-05-01 | 44 days | 1,971 sqft |
| 2021-06-01 | 43 days | 1,889 sqft |
| 2021-07-01 | 39 days | 1,861 sqft |
| 2021-08-01 | 45 days | 1,834 sqft |
| 2021-09-01 | 46 days | 1,846 sqft |
| 2021-10-01 | 46 days | 1,921 sqft |
| 2021-11-01 | 47 days | 1,879 sqft |
| 2021-12-01 | 54 days | 1,881 sqft |
| 2022-01-01 | 62 days | 1,974 sqft |
| 2022-02-01 | 42 days | 1,921 sqft |
| 2022-03-01 | 35 days | 1,877 sqft |
| 2022-04-01 | 36 days | 1,867 sqft |
| 2022-05-01 | 32 days | 1,889 sqft |
| 2022-06-01 | 37 days | 1,877 sqft |
| 2022-07-01 | 39 days | 1,859 sqft |
| 2022-08-01 | 50 days | 1,865 sqft |
| 2022-09-01 | 55 days | 1,895 sqft |
| 2022-10-01 | 55 days | 1,865 sqft |
| 2022-11-01 | 60 days | 1,788 sqft |
| 2022-12-01 | 68 days | 1,768 sqft |
| 2023-01-01 | 77 days | 1,800 sqft |
| 2023-02-01 | 72 days | 1,806 sqft |
| 2023-03-01 | 59 days | 1,868 sqft |
| 2023-04-01 | 56 days | 1,848 sqft |
| 2023-05-01 | 46 days | 1,833 sqft |
| 2023-06-01 | 43 days | 1,827 sqft |
| 2023-07-01 | 45 days | 1,847 sqft |
| 2023-08-01 | 47 days | 1,966 sqft |
| 2023-09-01 | 54 days | 1,916 sqft |
| 2023-10-01 | 58 days | 1,901 sqft |
| 2023-11-01 | 59 days | 1,871 sqft |
| 2023-12-01 | 70 days | 1,807 sqft |
| 2024-01-01 | 78 days | 1,790 sqft |
| 2024-02-01 | 63 days | 1,768 sqft |
| 2024-03-01 | 51 days | 1,808 sqft |
| 2024-04-01 | 49 days | 1,837 sqft |
| 2024-05-01 | 45 days | 1,886 sqft |
| 2024-06-01 | 54 days | 1,902 sqft |
| 2024-07-01 | 53 days | 1,920 sqft |
| 2024-08-01 | 57 days | 1,927 sqft |
| 2024-09-01 | 58 days | 1,879 sqft |
| 2024-10-01 | 61 days | 1,932 sqft |
| 2024-11-01 | 70 days | 1,867 sqft |
| 2024-12-01 | 85 days | 1,857 sqft |
| 2025-01-01 | 86 days | 1,864 sqft |
| 2025-02-01 | 78 days | 1,934 sqft |
| 2025-03-01 | 57 days | 1,915 sqft |
| 2025-04-01 | 53 days | 1,915 sqft |
SAN LUIS OBISPO - PASO ROBLES's median listing age (time on market) for 2025-04-01 was 53 days.
This
is 9%
longer
than the same period one year ago.
SAN LUIS OBISPO - PASO ROBLES's median square footage for active listings during the 2025-04-01 period was 1,915 sqft. One year prior, the average listing was 1,837 sqft.
SAN LUIS OBISPO - PASO ROBLES's median square footage for active listings during the 2025-04-01 period was 1,915 sqft. One year prior, the average listing was 1,837 sqft.
SAN LUIS OBISPO-PASO ROBLES, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,114 | $1,390,120,000 | $657,578 |
| Cash Out Refi | 653 | $213,085,000 | $326,317 |
| Refi | 511 | $334,815,000 | $655,215 |
| Home Improvement | 480 | $77,810,000 | $162,104 |
| Other | 392 | $74,190,000 | $189,260 |
| NA | 5 | $1,205,000 | $241,000 |
San Luis Obispo - Paso Robles's most frequently cited loan purpose was Home Purchase, with 2,114 originations. The 2nd most popular reason was Cash Out Refi, with 653 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,572 | $911,620,000 | $579,911 |
| Over 8% | 1,123 | $251,095,000 | $223,593 |
| 7-8% | 921 | $541,035,000 | $587,443 |
| 5-6% | 458 | $348,660,000 | $761,266 |
| 4-5% | 20 | $10,500,000 | $525,000 |
| 2.5-3% | 17 | $5,475,000 | $322,059 |
| <2.5% | 12 | $1,540,000 | $128,333 |
| 3-4% | 8 | $3,530,000 | $441,250 |
During 2024, San Luis Obispo - Paso Robles's most frequently originated rate bucket was 6-7%, with 1,572 originations.
Loan Sizing (SAN LUIS OBISPO-PASO ROBLES, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $600k-1000k | 1,077 | $807,595,000 | $749,856 |
| $400k-600k | 915 | $453,195,000 | $495,295 |
| $200k-400k | 811 | $233,845,000 | $288,342 |
| $100k-200k | 558 | $76,880,000 | $137,778 |
| $100,000 or less | 506 | $31,300,000 | $61,858 |
| $Over $1MM | 288 | $488,410,000 | $1,695,868 |
SAN LUIS OBISPO - PASO ROBLES's loan sizing saw the bucket of loans from $600k-1000k with 1,077 originations, totaling $807,595,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| Under 20% | 989 | $114,275,000 | $115,546 |
| 60-80% | 982 | $797,790,000 | $812,413 |
| 80-100% | 853 | $600,095,000 | $703,511 |
| 20-40% | 654 | $208,000,000 | $318,043 |
| 40-60% | 553 | $314,225,000 | $568,219 |
| Over 100% | 18 | $13,980,000 | $776,667 |
SAN LUIS OBISPO - PASO ROBLES's loan sizing saw loans grouped in the Under 20% Loan-to-value bucket with 989 originations, totaling $114,275,000 in origination value.