SAN LUIS OBISPO - PASO ROBLES Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in San Luis Obispo - Paso Robles averaged 5.56% for the week of 2022-05-19, compared to the national average of 5.25% for the same period.

The average rate for the prior week (2022-05-12) was 5.21% and one month ago for the week of 2022-04-14, the average rate was 5.31%.

San Luis Obispo - Paso Robles's average rate one year ago was 3.15%.

For refis of the same type during the week of 2022-05-19, the average rate was 5.16%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-19 5.25%
San Luis Obispo - Paso Robles 30 Year Fixed Rate 2022-05-19 5.56%
San Luis Obispo - Paso Robles 30 Year Fixed Rate Refi 2022-05-19 5.16%
San Luis Obispo - Paso Robles 15 Year Fixed Rate 2022-05-19 4.7%
San Luis Obispo - Paso Robles 15 Year Fixed Rate Refi 2022-05-19 4.51%
San Luis Obispo - Paso Robles 30 Year FHA 2022-05-19 5.2%
San Luis Obispo - Paso Robles 30 Year FHA Refi 2022-05-19 4.96%
San Luis Obispo - Paso Robles 30 Year USDA 2022-05-19 5.11%
San Luis Obispo - Paso Robles 30 Year USDA Refi 2022-05-19 5.32%
San Luis Obispo - Paso Robles 30 Year VA 2022-05-19 4.99%
San Luis Obispo - Paso Robles 30 Year VA Refi 2022-05-19 5.03%
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 lendor, 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
UNITED WHOLESALE MORTGAGE, LLC 1,112 2.92% $5,677
QUICKEN LOANS, LLC 991 2.94% $4,639
LOANDEPOT.COM, LLC 613 2.94% $5,425
HOME POINT FINANCIAL CORPORATION 556 2.95% $4,479
CENTRAL COAST LENDING, INC. 554 2.95% $4,501
GUARANTEED RATE, INC. 444 2.92% $4,861
CROSSCOUNTRY MORTGAGE, LLC 385 3.12% $5,963
COASTAL FUNDING SLC, INC. 372 3.20% $5,251
Flagstar Bank, FSB 370 2.97% $4,716
KD CAPITAL MORTGAGE CORPORATION 329 2.93% $4,522
CALIBER HOME LOANS, INC. 284 3.05% $4,511
Wells Fargo Bank 279 2.98% $4,085
JPMorgan Chase Bank 264 2.93% $3,955
SESLOC 248 2.97% $3,997
CMG MORTGAGE, INC. 185 2.98% $5,260
DIGNIFIED HOME LOANS, LLC 172 3.11% $5,427
ENVOY MORTGAGE, LTD 170 3.09% $4,883
MEGA CAPITAL FUNDING, INC. 169 2.86% $4,353
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 122 3.07% $6,685
BETTER MORTGAGE CORPORATION 120 2.71% $3,452
AMERICAN PACIFIC MORTGAGE CORPORATION 115 3.05% $4,211
Bank of America 104 2.78% $4,271
NEWREZ LLC 101 3.01% $4,682
AMERISAVE MORTGAGE CORPORATION 96 2.78% $4,452
BROKER SOLUTIONS, INC. 88 2.94% $5,237
GUILD MORTGAGE COMPANY 85 3.03% $5,746
BEST CAPITAL FUNDING 82 2.79% $3,282
FINANCE OF AMERICA MORTGAGE LLC 82 3.00% $5,714
Mr. Cooper ( Nationstar Mortgage ) 80 3.06% $5,169
PENNYMAC LOAN SERVICES, LLC 79 2.92% $5,083
Sierra Pacific Mortgage Company, Inc. 76 3.04% $5,197
U.S. Bank 66 3.01% $5,947
PROVIDENT FUNDING ASSOCIATES, L.P. 62 2.74% $3,467
Golden Empire Mortgage, Inc. 61 3.11% $5,404
STEARNS LENDING, LLC 57 2.98% $4,229
COASTHILLS 55 3.08% $3,218
Fremont Bank 52 2.99% $2,616
MUFG Union Bank 51 2.85% $4,465
Mechanics Bank 46 3.13% $3,375
PRIMELENDING, A PLAINSCAPITAL COMPANY 42 3.14% $5,073
PARKSIDE LENDING, LLC 41 3.04% $5,370
PRIMARY RESIDENTIAL MORTGAGE, INC. 41 3.18% $8,521
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 40 2.92% $5,326
HOMEBRIDGE FINANCIAL SERVICES, INC. 40 3.22% $6,511
COUNTRY CLUB MORTGAGE, INC. 39 3.11% $5,219
Watermark Capital, Inc. 38 2.72% $3,087
Paramount Residential Mortgage Group, Inc. 36 3.12% $4,480
KINGS MORTGAGE SERVICES, INC. 35 3.06% $4,108
THE GOLDEN 1 33 3.14% $4,410
Morgan Stanley Private Bank 32 2.72% $3,911
LADERA LENDING, INC. 32 3.01% $3,636
NETWORK CAPITAL FUNDING CORPORATION 27 2.96% $3,370
LENDUS, LLC 27 3.08% $4,755
AmeriHome Mortgage Company, LLC 27 3.07% $4,088
MUTUAL OF OMAHA MORTGAGE, INC. 25 2.97% $3,005
CELEBRITY HOME LOANS, LLC 24 3.24% $5,848
MASON MCDUFFIE MORTGAGE CORPORATION 23 3.11% $4,752
Charles Schwab Bank, SSB 23 2.37% $4,090
CHERRY CREEK MORTGAGE, LLC 23 3.03% $1,348
Strong Home Mortgage, LLC 23 2.87% $1,895
FREEDOM MORTGAGE CORPORATION 23 2.92% $1,958
MOVEMENT MORTGAGE, LLC 22 2.99% $4,769
Ally Bank 22 2.80% $6,460
ALAMEDA MORTGAGE CORPORATION 21 3.36% $7,314
NBKC BANK 21 2.95% $2,065
Commerce Home Mortgage, Inc. 20 3.39% $6,582
IMPAC MORTGAGE CORP. 20 3.05% $915
North American Savings Bank, F.S.B. 19 2.68% $2,706
LOANPAL, LLC 19 3.02% $8,593
PNC Bank 19 2.87% $3,952
Stifel Bank and Trust 19 2.85% $3,065
Prime Choice Funding Inc. 18 2.79% $3,778
AMERICAN INTERNET MORTGAGE, INC. 18 2.72% $3,079
Wyndham Capital Mortgage, Inc. 18 2.84% $2,078
Bank of the West 18 2.94% $5,108
InterContinental Capital Group, Inc 17 2.81% $4,095
AMERICAN FINANCIAL NETWORK, INC. 17 3.26% $8,235
S1L, Inc. 17 3.19% $4,956
SUMMIT FUNDING, INC. 16 3.16% $4,545
PREMIER MORTGAGE RESOURCES, L.L.C. 16 3.37% $7,254
Nations Lending Corporation 16 2.98% $7,910
BAY EQUITY LLC 16 3.00% $5,647
Shea Mortgage Inc. 15 2.98% $2,911
KINECTA 14 3.11% $5,240
WINNPOINTE CORPORATION 14 2.72% $1,285
FirstBank 13 2.82% $2,140
SOVEREIGN LENDING GROUP INCORPORATED 13 2.77% $4,983
NATIONS DIRECT MORTGAGE, LLC 13 2.80% $5,735
AMERICAN FINANCING CORPORATION 12 2.94% $4,190
WESTERN EXPRESS LENDING 12 3.08% $4,693
Citadel Servicing Corporation 11 4.32% $11,322
PLAZA HOME MORTGAGE, INC. 11 3.14% $3,352
LAKEVIEW LOAN SERVICING, LLC 11 3.22% $2,531
CHURCHILL MORTGAGE CORPORATION 11 3.19% $4,935
City National Bank 11 2.90% $5,095
CORNERSTONE HOME LENDING, INC. 11 3.16% $5,751
NAVY FEDERAL CREDIT UNION 11 2.78% $5,763
LOGIX FEDERAL CREDIT UNION 11 2.83% $3,436
First Republic Bank 11 2.90% $3,998
First Guaranty Mortgage Corporation 10 3.18% $5,875
ANGEL OAK MORTGAGE SOLUTIONS LLC 10 3.60% $10,236
AmRes Corporation 10 3.19% $2,599
ZILLOW HOME LOANS, LLC 10 2.89% $3,178
Carrington Mortgage Services, LLC 9 3.15% $6,530
GUARANTEED RATE AFFINITY, LLC 9 3.01% $4,793
Citibank 9 2.85% $3,876
Citizens Bank 9 2.90% $7,493
THRIVE MORTGAGE, LLC 9 3.07% $8,060
HOMEOWNERS FINANCIAL GROUP USA, LLC 9 3.25% $5,232
OCMBC, INC. 9 2.90% $4,335
Cf Bank 9 2.78% $2,802
Utah Mortgage Loan Corporation 9 3.14% $4,858
GENEVA FINANCIAL, LLC 8 3.25% $9,393
First Savings Bank 8 2.95% $3,887
Prosperity Home Mortgage, LLC 8 2.95% $7,706
DRAPER AND KRAMER MORTGAGE CORP. 8 3.31% $5,000
KELLER MORTGAGE, LLC 8 2.86% $2,892
VALLEY STRONG CREDIT UNION 8 2.70% $4,340
Truist Bank 8 3.06% $7,327
Firefighters First Federal Credit Union 8 2.77% $2,607
JMAC LENDING, INC. 8 2.97% $8,067
MOUNTAIN WEST FINANCIAL, INC. 8 3.04% $4,447
AUGUSTA FINANCIAL, INC. 8 3.20% $7,487
Mortgage Research Center, LLC 7 3.02% $6,669
UBS Bank USA 7 2.98% $4,246
BNC National Bank 7 2.73% $2,883
RESIDENTIAL WHOLESALE MORTGAGE, INC. 7 2.96% $7,723
Barrington Bank & Trust Company, N.A. 7 3.16% $4,349
Axos Bank 7 3.66% $18,838
PHH Mortgage Corporation 7 3.00% $5,852
NEXERA HOLDING LLC 7 2.82% $6,171
Amerifirst Financial, Inc. 7 3.27% $4,823
HOMESIDE FINANCIAL, LLC 7 3.00% $4,523
MID AMERICA MORTGAGE, INC. 7 3.30% $4,697
HOMEXPRESS MORTGAGE CORP. 7 5.25% $14,180
HighTechLending Inc 6 2.90% $3,595
SCHOOLSFIRST 6 3.15% $2,665
Ameris Bank 6 2.87% $3,230
EVERETT FINANCIAL, INC. 6 3.23% $3,060
PREMIER LENDING, INC. 6 3.10% $5,038
CIT Bank 6 3.07% $5,150
ONY GLO, INC. 6 2.77% $6,064
KeyBank 6 2.69% $4,996
General Mortgage Capital Corporation 6 3.13% $3,239
SOFI LENDING CORP. 6 2.88% $3,428
TIAA, FSB 6 3.06% $9,088
PACIFIC SERVICE 5 2.98% $3,294
Arvest Bank 5 3.35% $4,119
GOOGAIN, INC. 5 3.20% $3,215
WESCOM CENTRAL CREDIT UNION 5 2.73% $3,941
LOANSNAP, INC. 5 2.83% $1,625
PATELCO 5 2.94% $6,163
Zions Bancorporation, N.A. 5 3.10% $3,212
Umpqua Bank 5 3.03% $7,483
MLD MORTGAGE INC. 5 2.87% $3,952
ARC HOME LLC 5 3.73% $7,719
Franklin Loan Corporation 5 3.38% $4,521
Luxury Mortgage Corp. 5 3.75% $12,101
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 4 3.09% $11,938
ACADEMY MORTGAGE CORPORATION 4 3.22% $9,276
ARK-LA-TEX FINANCIAL SERVICES, LLC. 4 3.12% $5,841
MORTGAGE MANAGEMENT CONSULTANTS, INC. 4 2.84% $2,640
CUSTOMER SERVICE MORTGAGE CORPORATION 4 3.28% $4,192
GUARANTY HOME MORTGAGE CORPORATION 4 3.22% $4,810
Toyota Financial Savings Bank 4 3.03% $4,499
First Western Trust Bank 4 2.94% $4,218
CITYWIDE HOME LOANS, LLC 4 3.16% $7,251
Century Mortgage Company DBA Century Lending Company 4 2.91% $4,655
MICHIGAN MUTUAL, INC. 4 2.84% $6,045
LENOX FINANCIAL MORTGAGE CORPORATION 4 3.28% $4,920
The Loan Store, Inc. 4 2.84% $3,300
Merchants Bank of Indiana 4 2.63% $3,544
SUN WEST MORTGAGE COMPANY, INC. 4 2.91% $2,293
Provident Credit Union 3 2.83% $4,262
ABSOLUTE HOME MORTGAGE CORPORATION 3 3.21% $7,189
A&D Mortgage LLC 3 3.92% $15,853
ANGEL OAK HOME LOANS LLC 3 3.92% $17,273
AXIA FINANCIAL, LLC 3 3.25% $5,432
BBVA USA 3 3.13% $9,553
CALCON MUTUAL MORTGAGE LLC 3 5.50% $8,468
CHEVRON 3 2.63% $2,198
COAST 2 COAST FUNDING GROUP, INC. 3 2.79% $5,576
Colonial Savings, F.A. 3 3.25% $1,944
DATA MORTGAGE, INC. 3 3.17% $5,518
Equity Prime Mortgage LLC 3 3.04% $8,236
Financial Partners Credit Union 3 2.58% $2,808
First Mortgage Solutions, LLC 3 2.54% $2,463
FISHER FINANCIAL GROUP, INCORPORATED 3 2.58% $2,022
Goldman Sachs Bank USA 3 2.90% $2,879
Greenbox Loans, Inc. 3 4.92% $15,270
HOME APPROVALS DIRECT, INC. 3 3.25% $5,118
Home Mortgage Alliance Corp 3 3.04% $8,866
Hometown Lenders, Inc. 3 3.04% $4,721
LAND HOME FINANCIAL SERVICES, INC. 3 3.00% $6,852
LOANLEADERS OF AMERICA, INC. 3 2.63% $3,370
MONARCH FUNDING CORP. 3 3.29% $4,470
NATIONS RELIABLE LENDING, LLC 3 2.75% $12,520
NEW WAVE LENDING GROUP INC 3 2.92% $6,720
NexBank 3 2.75% $2,815
NMSI, INC. 3 3.17% $11,939
Northwest Farm Credit Services, FLCA 3 3.47% $13,549
Operating Engineers Local Union #3 3 2.38% $4,424
PENTAGON FEDERAL CREDIT UNION 3 2.75% $2,968
PLANET HOME LENDING, LLC 3 3.08% $2,037
1ST RELIANT HOME LOANS, INC. 3 3.08% $3,990
RESIDENTIAL BANCORP. 3 2.88% $6,316
STAR ONE CREDIT UNION 3 3.00% $2,681
Sunflower Bank 3 3.46% $4,049
Third Federal Savings and Loan Association of Cleveland 3 2.54% $1,591
Tri Counties Bank 3 3.58% $2,864
USAA Federal Savings Bank 3 3.21% $2,507
COMMUNITY MORTGAGE FUNDING, LLC 2 2.69% $4,026
First Bank 2 2.88% $7,067
Financial Funding Solutions, Inc. 2 2.69% $1,291
VICTORIA FINANCIAL CORP. 2 3.25% $2,845
MORTGAGE CAPITAL PARTNERS, INC. 2 2.88% $4,856
F&A Federal Credit Union 2 2.93% $1,352
ATHAS CAPITAL GROUP, INC. 2 4.13% $20,700
NFM, INC. 2 2.88% $10,500
Kwik Mortgage Corporation 2 3.19% $2,112
TECHNOLOGY 2 2.94% $3,214
Quontic Bank 2 5.31% $13,011
The Central Trust Bank 2 2.75% $2,406
Raymond James Bank 2 3.19% $2,019
PANORAMA MORTGAGE GROUP, LLC 2 3.06% $4,686
REDWOOD 2 2.88% $1,086
CAPSTONE DIRECT, INC. 2 2.94% $4,916
The Northern Trust Company 2 2.88% $5,364
AHL FUNDING 2 2.81% $10,466
CANOPY MORTGAGE, LLC 2 3.00% $5,884
EMM LOANS LLC 2 2.75% $8,105
Florida Capital Bank 2 2.50% $3,975
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 2.56% $3,043
EMBRACE HOME LOANS, INC. 2 2.63% $8,419
ROYAL UNITED MORTGAGE LLC 2 3.44% $10,547
TRISTAR FINANCE, INC. 2 3.00% $4,217
Educational Employees Credit Union 2 3.38% $2,238
Goldwater Bank, N.A. 2 3.06% $7,638
SAN DIEGO COUNTY CREDIT UNION 2 2.56% $10,125
JMJ FINANCIAL GROUP 2 2.81% $4,171
Hometown Equity Mortgage, LLC 2 2.68% $4,610
SCENIC OAKS FUNDING, INC. 2 2.88% $4,976
DIRECT MORTGAGE, CORP. 2 3.31% $6,609
HomeStreet Bank 2 3.19% $6,433
Servion, Inc. 2 3.19% $5,601
DEL SUR CORPORATION 2 2.75% $7,093
UNIVERSITY CREDIT UNION 2 2.50% $8,666
HOMESTEAD FUNDING CORP. 2 2.75% $3,432
DAS Acquisition Company, LLC 2 3.56% $5,834
NOVA FINANCIAL & INVESTMENT CORPORATION 2 2.69% $3,816
Crestline Funding Corporation 2 2.81% $3,166
PIKE CREEK MORTGAGE SERVICES, INC. 2 4.13% $3,607
NuVision Federal Credit Union 2 2.94% $2,773
SPRING EQ, LLC 2 3.00% $3,323
MEGASTAR FINANCIAL CORP. 2 2.81% $6,590
Lakeview Community Capital, LLC 2 2.99% $4,328
S&S Financial 2 3.19% $4,842
LENDSURE MORTGAGE CORP. 2 4.50% $22,146
LENDERFI, INC. 2 2.56% $1,178
VENTURA COUNTY 2 3.00% $2,441
Platinum Home Mortgage Corporation 2 3.12% $5,179
FIRST ENTERTAINMENT 2 2.81% $4,456
ML Mortgage Corp. 2 3.19% $3,763
GET A RATE LLC 2 2.88% $3,118
FIRST CENTENNIAL MORTGAGE CORPORATION 2 2.81% $4,083
MORTGAGE 2000, INC. 2 2.93% $6,353
SUMMIT MORTGAGE CORPORATION 1 3.38% $5,971
ALLIED MORTGAGE GROUP, INC. 1 2.88% $1,252
Chicago Mortgage Solutions LLC 1 2.74% $940
SYNERGY HOME MORTGAGE, LLC 1 2.75% $2,962
T2 FINANCIAL LLC 1 2.99% $1,702
TCF National Bank 1 3.13% $3,244
Texana Bank 1 2.63% $13,484
The Federal Savings Bank 1 2.88% $7,533
THE FIRST FINANCIAL Federal Credit Union 1 3.13% $0
CBC Federal Credit Union 1 3.13% $26,950
THRIVENT Federal Credit Union 1 3.13% $4,048
CALTECH EMPLOYEES FEDERAL CREDIT UNION 1 3.13% $8,222
TOP FLITE FINANCIAL, INC. 1 2.75% $10,306
CALCULATED RISK ANALYTICS LLC 1 3.88% $10,555
ACCELERATE MORTGAGE, LLC 1 2.99% $15,221
TruHome Solutions, LLC 1 3.00% $2,305
BOKF 1 2.88% $2,246
Boeing Employees Credit Union 1 2.88% $2,884
BNY Mellon 1 2.63% $5,789
UNCLE Credit Union 1 3.25% $3,996
UNIFY FINANCIAL Credit Union 1 2.88% $32,351
United Fidelity Funding Corp. 1 3.00% $2,861
UNITED MORTGAGE CORP. 1 3.38% $3,365
BLUELEAF LENDING, LLC 1 2.99% $4,165
Unitus Community Credit Union 1 4.13% $6,479
21ST MORTGAGE CORPORATION 1 7.29% $6,690
BAY 1 2.50% $20,695
USE Credit Union 1 2.88% $3,679
MANN FINANCIAL INC. 1 3.38% $8,329
MAYO EMPLOYEES FEDERAL CREDIT UNION 1 3.13% $7,354
Magnolia Bank 1 3.50% $5,238
Loan Simple, Inc. 1 2.88% $2,508
LIBERTY HOME MORTGAGE CORPORATION 1 3.38% $3,413
MERIWEST MORTGAGE COMPANY, LLC 1 3.25% $3,555
MidFirst Bank 1 2.50% $6,479
MID-VALLEY SERVICES, INC. 1 3.13% $11,182
LEADERONE FINANCIAL CORPORATION 1 2.87% $7,943
Baxter Credit Union 1 3.13% $3,850
LBS FINANCIAL 1 3.13% $6,016
MORIA DEVELOPMENT, INC. 1 3.13% $5,930
MORTGAGEONE, INC. 1 3.38% $9,975
INTERNATIONAL CITY MORTGAGE, INC. 1 3.88% $3,966
INTERCAP LENDING INC. 1 2.63% $3,209
INTELLILOAN, INC. 1 2.79% $1,255
INLAND BANK & TRUST 1 3.50% $4,108
NATIONAL COOPERATIVE BANK, N.A. 1 2.63% $2,526
HSBC BANK USA, NATIONAL ASSOCIATION 1 2.16% $5,022
HONDA Federal Credit Union 1 3.00% $4,761
Bank of Hope 1 3.13% $4,571
GSF Mortgage Corporation 1 2.88% $1,955
GoPrime Mortgage, Inc. 1 2.63% $3,273
V.I.P. MORTGAGE, INC. 1 3.25% $1,578
Northpointe Bank 1 3.38% $9,772
NORTHROP GRUMMAN Federal Credit Union 1 3.38% $3,110
WALL FINANCIAL, INC. 1 2.88% $11,680
NORWICH COMMERCIAL GROUP, INC. 1 2.75% $2,782
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 2.99% $4,502
ON Q FINANCIAL, INC. 1 2.88% $2,319
OPEN MORTGAGE, LLC 1 2.50% $2,576
Wallick & Volk, Inc. 1 2.75% $3,194
PACIFIC RESIDENTIAL MORTGAGE, LLC 1 3.50% $4,400
FOOTHILL FEDERAL CREDIT UNION 1 3.00% $4,078
FIRST TECHNOLOGY 1 3.13% $7,047
PARTNERS 1 2.63% $5,206
First Option Mortgage, LLC 1 3.13% $5,184
FIRST NATIONS HOME FINANCE CORPORATION 1 3.00% $2,682
Water and Power Community Credit Union 1 3.13% $3,375
First Internet Bank of Indiana 1 2.75% $2,611
Pinnacle Bank 1 3.25% $13,405
Plains Commerce Bank 1 3.38% $14,754
Bank of England 1 3.25% $2,743
FIRST COMMUNITY MORTGAGE, INC. 1 2.63% $2,159
FBC MORTGAGE, LLC 1 2.75% $1,245
FAMILIES AND SCHOOLS TOGETHER FEDERAL CREDIT UNION 1 2.75% $2,546
Evolve Bank & Trust 1 3.25% $3,388
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 2.75% $7,098
RBC Bank, (Georgia) 1 2.75% $4,313
Reliant Bank 1 3.00% $5,721
SACRAMENTO Credit Union 1 3.38% $4,151
San Mateo Credit Union 1 3.13% $0
SANTA CLARA COUNTY 1 2.88% $3,801
SCIENT Federal Credit Union 1 2.88% $2,543
Deere Employees Credit Union 1 2.25% $4,076
Silicon Valley Bank 1 1.88% $11,881
SOUTHLAND CREDIT UNION 1 3.00% $4,870
Credit Union of Southern California 1 2.88% $2,958
SRE MORTGAGE ALLIANCE INC. 1 2.63% $5,026
AMERICAN FINANCIAL RESOURCES, INC. 1 3.50% $4,355
State Department Federal Credit Union 1 2.75% $6,651
Core Bank 1 3.00% $5,152
ST FIN CORP 1 2.63% $13,570
Constant Investments, Inc. 1 2.88% $3,727
Comerica Bank 1 3.13% $1,859
SUMMIT MORTGAGE BANKERS INC. 1 4.38% $4,015

SAN LUIS OBISPO-PASO ROBLES, CA's 360 lenders originated 17,083 loans during 2021. The total origination value was $7,595,545,000, with an average loan value of $444,626.

The top SAN LUIS OBISPO - PASO ROBLES lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 1,112 loans originated. Their average total fees are $5,677, which is $1,038 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee SAN LUIS OBISPO - PASO ROBLES lenders (with over 10 loans originated) are IMPAC MORTGAGE CORP. ($915), WINNPOINTE CORPORATION ($1,285), CHERRY CREEK MORTGAGE, LLC ($1,348), Strong Home Mortgage, LLC ($1,895) and FREEDOM MORTGAGE CORPORATION ($1,958).

The lowest rate SAN LUIS OBISPO - PASO ROBLES lenders (with over 10 loans originated) are Charles Schwab Bank, SSB (2.37%), North American Savings Bank, F.S.B. (2.68%), BETTER MORTGAGE CORPORATION (2.71%), AMERICAN INTERNET MORTGAGE, INC. (2.72%) and Watermark Capital, Inc. (2.72%).

SAN LUIS OBISPO-PASO ROBLES, CA Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
UNITED WHOLESALE MORTGAGE, LLC $675,625,000 $724,080,000 7.2% 9.5%
QUICKEN LOANS, LLC $635,010,000 $587,490,000 -7.5% 7.7%
LOANDEPOT.COM, LLC $208,110,000 $424,465,000 104.0% 5.6%
HOME POINT FINANCIAL CORPORATION $235,700,000 $342,670,000 45.4% 4.5%
GUARANTEED RATE, INC. $164,700,000 $308,885,000 87.5% 4.1%
CENTRAL COAST LENDING, INC. $380,530,000 $305,930,000 -19.6% 4.0%
CROSSCOUNTRY MORTGAGE, LLC $59,650,000 $270,465,000 353.4% 3.6%
Flagstar Bank, FSB $471,320,000 $251,345,000 -46.7% 3.3%
Wells Fargo Bank $336,790,000 $222,680,000 -33.9% 2.9%
COASTAL FUNDING SLC, INC. $232,765,000 $200,485,000 -13.9% 2.6%
CALIBER HOME LOANS, INC. $227,050,000 $193,260,000 -14.9% 2.5%
KD CAPITAL MORTGAGE CORPORATION $176,600,000 $178,695,000 1.2% 2.4%
JPMorgan Chase Bank $131,205,000 $176,205,000 34.3% 2.3%
SESLOC $131,405,000 $117,350,000 -10.7% 1.5%
CMG MORTGAGE, INC. $142,020,000 $113,700,000 -19.9% 1.5%
ENVOY MORTGAGE, LTD $189,565,000 $106,660,000 -43.7% 1.4%
Bank of America $71,220,000 $90,530,000 27.1% 1.2%
DIGNIFIED HOME LOANS, LLC $91,890,000 $86,100,000 -6.3% 1.1%
PENNYMAC LOAN SERVICES, LLC $58,530,000 $85,835,000 46.7% 1.1%
FREEDOM MORTGAGE CORPORATION $107,875,000 $84,320,000 -21.8% 1.1%
BETTER MORTGAGE CORPORATION $38,670,000 $80,275,000 107.6% 1.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $74,555,000 $79,350,000 6.4% 1.0%
MEGA CAPITAL FUNDING, INC. $65,995,000 $78,280,000 18.6% 1.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $78,770,000 $73,420,000 -6.8% 1.0%
U.S. Bank $61,205,000 $70,760,000 15.6% 0.9%
NEWREZ LLC $52,980,000 $62,785,000 18.5% 0.8%
AMERISAVE MORTGAGE CORPORATION $44,950,000 $58,550,000 30.3% 0.8%
Mr. Cooper ( Nationstar Mortgage ) $69,130,000 $57,520,000 -16.8% 0.8%
FINANCE OF AMERICA MORTGAGE LLC $58,720,000 $50,425,000 -14.1% 0.7%
GUILD MORTGAGE COMPANY $54,170,000 $47,890,000 -11.6% 0.6%
BROKER SOLUTIONS, INC. $39,270,000 $47,505,000 21.0% 0.6%
Sierra Pacific Mortgage Company, Inc. $47,425,000 $45,555,000 -3.9% 0.6%
MUFG Union Bank $24,115,000 $45,260,000 87.7% 0.6%
Golden Empire Mortgage, Inc. $63,815,000 $36,310,000 -43.1% 0.5%
City National Bank $4,545,000 $35,530,000 681.7% 0.5%
COASTHILLS $57,785,000 $35,255,000 -39.0% 0.5%
Fremont Bank $46,140,000 $33,855,000 -26.6% 0.4%
BEST CAPITAL FUNDING $16,615,000 $32,880,000 97.9% 0.4%
STEARNS LENDING, LLC $23,450,000 $32,130,000 37.0% 0.4%
Mechanics Bank $65,915,000 $32,120,000 -51.3% 0.4%
PROVIDENT FUNDING ASSOCIATES, L.P. $63,165,000 $30,240,000 -52.1% 0.4%
Morgan Stanley Private Bank $14,415,000 $29,470,000 104.4% 0.4%
Bank of the West $15,140,000 $28,705,000 89.6% 0.4%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $25,735,000 $28,395,000 10.3% 0.4%
HOMEBRIDGE FINANCIAL SERVICES, INC. $37,150,000 $27,910,000 -24.9% 0.4%
COUNTRY CLUB MORTGAGE, INC. $36,705,000 $24,400,000 -33.5% 0.3%
Charles Schwab Bank, SSB $15,115,000 $23,265,000 53.9% 0.3%
Mortgage Research Center, LLC $14,965,000 $23,095,000 54.3% 0.3%
THE GOLDEN 1 $39,675,000 $22,720,000 -42.7% 0.3%
Commerce Home Mortgage, Inc. $21,645,000 $21,300,000 -1.6% 0.3%
Paramount Residential Mortgage Group, Inc. $29,685,000 $20,790,000 -30.0% 0.3%
PRIMARY RESIDENTIAL MORTGAGE, INC. $37,090,000 $20,080,000 -45.9% 0.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $35,940,000 $20,025,000 -44.3% 0.3%
LAKEVIEW LOAN SERVICING, LLC $23,475,000 $19,825,000 -15.5% 0.3%
American Riviera Bank $16,565,000 $19,745,000 19.2% 0.3%
KINGS MORTGAGE SERVICES, INC. $30,310,000 $19,480,000 -35.7% 0.3%
PARKSIDE LENDING, LLC $67,250,000 $18,695,000 -72.2% 0.2%
FINANCE OF AMERICA REVERSE LLC $7,750,000 $18,615,000 140.2% 0.2%
Watermark Capital, Inc. $14,050,000 $17,580,000 25.1% 0.2%
CELEBRITY HOME LOANS, LLC $8,355,000 $17,290,000 106.9% 0.2%
Stifel Bank and Trust $17,255,000 $16,995,000 -1.5% 0.2%
Ally Bank $12,870,000 $16,910,000 31.4% 0.2%
PNC Bank $9,825,000 $15,725,000 60.1% 0.2%
LENDUS, LLC $27,340,000 $15,235,000 -44.3% 0.2%
LADERA LENDING, INC. $20,680,000 $15,160,000 -26.7% 0.2%
Strong Home Mortgage, LLC $17,315,000 $15,050,000 -13.1% 0.2%
First Republic Bank $15,230,000 $14,840,000 -2.6% 0.2%
ALAMEDA MORTGAGE CORPORATION $6,295,000 $14,645,000 132.6% 0.2%
CHERRY CREEK MORTGAGE, LLC $12,675,000 $14,645,000 15.5% 0.2%
AMERICAN ADVISORS GROUP $10,005,000 $14,440,000 44.3% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $19,555,000 $14,005,000 -28.4% 0.2%
North American Savings Bank, F.S.B. $14,790,000 $13,540,000 -8.5% 0.2%
LOANPAL, LLC $21,195,000 $13,360,000 -37.0% 0.2%
First Guaranty Mortgage Corporation $5,130,000 $13,160,000 156.5% 0.2%
MID AMERICA MORTGAGE, INC. $27,750,000 $13,095,000 -52.8% 0.2%
LENDINGHOME FUNDING CORPORATION $5,415,000 $13,025,000 140.5% 0.2%
NAVY FEDERAL CREDIT UNION $17,740,000 $12,945,000 -27.0% 0.2%
MASON MCDUFFIE MORTGAGE CORPORATION $18,875,000 $12,940,000 -31.4% 0.2%
KINECTA $13,650,000 $12,880,000 -5.6% 0.2%
IMPAC MORTGAGE CORP. $15,260,000 $12,710,000 -16.7% 0.2%
AmeriHome Mortgage Company, LLC $700,000 $12,640,000 1,705.7% 0.2%
SUN WEST MORTGAGE COMPANY, INC. $9,820,000 $12,200,000 24.2% 0.2%
NETWORK CAPITAL FUNDING CORPORATION $13,840,000 $12,055,000 -12.9% 0.2%
NBKC BANK $15,560,000 $12,010,000 -22.8% 0.2%
HOMEXPRESS MORTGAGE CORP. $660,000 $11,675,000 1,668.9% 0.2%
SUMMIT FUNDING, INC. $11,955,000 $11,625,000 -2.8% 0.2%
Carrington Mortgage Services, LLC $9,315,000 $11,535,000 23.8% 0.2%
AMERICAN INTERNET MORTGAGE, INC. $11,695,000 $11,495,000 -1.7% 0.2%
Murphy Bank $11,785,000 $11,180,000 -5.1% 0.1%
Wyndham Capital Mortgage, Inc. $16,625,000 $10,620,000 -36.1% 0.1%
NEXERA HOLDING LLC $5,255,000 $10,565,000 101.0% 0.1%
MOVEMENT MORTGAGE, LLC $13,865,000 $10,550,000 -23.9% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $14,600,000 $10,535,000 -27.8% 0.1%
WINNPOINTE CORPORATION $25,850,000 $10,410,000 -59.7% 0.1%
InterContinental Capital Group, Inc $9,605,000 $10,295,000 7.2% 0.1%
PREMIER MORTGAGE RESOURCES, L.L.C. $4,135,000 $10,165,000 145.8% 0.1%
BAY EQUITY LLC $10,325,000 $9,955,000 -3.6% 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $9,880,000 $9,815,000 -0.7% 0.1%
REVERSE MORTGAGE FUNDING LLC $4,665,000 $9,770,000 109.4% 0.1%
NATIONS DIRECT MORTGAGE, LLC $10,240,000 $9,740,000 -4.9% 0.1%
Umpqua Bank $12,330,000 $9,390,000 -23.8% 0.1%
PHH Mortgage Corporation $2,700,000 $9,385,000 247.6% 0.1%
Shea Mortgage Inc. $7,440,000 $9,200,000 23.7% 0.1%
Axos Bank $1,355,000 $8,970,000 562.0% 0.1%
CORNERSTONE HOME LENDING, INC. $9,250,000 $8,730,000 -5.6% 0.1%
Prime Choice Funding Inc. $6,595,000 $8,605,000 30.5% 0.1%
Premier Valley Bank $35,000 $8,580,000 24,414.3% 0.1%
Nations Lending Corporation $3,875,000 $8,550,000 120.6% 0.1%
The Federal Savings Bank $15,875,000 $8,350,000 -47.4% 0.1%
LOGIX FEDERAL CREDIT UNION $3,050,000 $8,285,000 171.6% 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $8,975,000 $8,215,000 -8.5% 0.1%
S1L, Inc. $4,120,000 $8,135,000 97.5% 0.1%
FirstBank $13,660,000 $7,950,000 -41.8% 0.1%
CLEARPATH LENDING $5,970,000 $7,570,000 26.8% 0.1%
VALLEY STRONG CREDIT UNION $6,920,000 $7,405,000 7.0% 0.1%
PLAZA HOME MORTGAGE, INC. $15,695,000 $7,300,000 -53.5% 0.1%
Citadel Servicing Corporation $6,900,000 n/a 0.1%
Citibank $17,010,000 $6,755,000 -60.3% 0.1%
TIAA, FSB $4,680,000 $6,750,000 44.2% 0.1%
Pacific Premier Bank $235,000 $6,740,000 2,768.1% 0.1%
WESTERN EXPRESS LENDING $4,375,000 $6,715,000 53.5% 0.1%
JMAC LENDING, INC. $26,735,000 $6,615,000 -75.3% 0.1%
Prosperity Home Mortgage, LLC $6,065,000 $6,210,000 2.4% 0.1%
CHURCHILL MORTGAGE CORPORATION $8,070,000 $6,200,000 -23.2% 0.1%
BNC National Bank $4,700,000 $6,165,000 31.2% 0.1%
Zions Bancorporation, N.A. $6,050,000 $6,040,000 -0.2% 0.1%
LONGBRIDGE FINANCIAL, LLC $2,300,000 $6,030,000 162.2% 0.1%
Truist Bank $10,365,000 $5,795,000 -44.1% 0.1%
CIT Bank $2,255,000 $5,680,000 151.9% 0.1%
UBS Bank USA $3,810,000 $5,615,000 47.4% 0.1%
SCHOOLSFIRST $6,855,000 $5,590,000 -18.5% 0.1%
Citizens Bank $2,190,000 $5,580,000 154.8% 0.1%
PLANET HOME LENDING, LLC $5,105,000 $5,545,000 8.6% 0.1%
First Savings Bank $8,345,000 $5,415,000 -35.1% 0.1%
USAA Federal Savings Bank $17,735,000 $5,400,000 -69.6% 0.1%
GENEVA FINANCIAL, LLC $2,850,000 $5,330,000 87.0% 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $4,060,000 $5,310,000 30.8% 0.1%
Amerifirst Financial, Inc. $4,490,000 $5,305,000 18.2% 0.1%
Third Federal Savings and Loan Association of Cleveland $1,940,000 $5,270,000 171.6% 0.1%
PENTAGON FEDERAL CREDIT UNION $3,535,000 $5,255,000 48.7% 0.1%
GUARANTEED RATE AFFINITY, LLC $8,100,000 $5,030,000 -37.9% 0.1%
KeyBank $2,625,000 $5,000,000 90.5% 0.1%
Community West Bank $3,555,000 $4,980,000 40.1% 0.1%
AMERICAN FINANCING CORPORATION $3,680,000 $4,930,000 34.0% 0.1%
ZILLOW HOME LOANS, LLC $1,425,000 $4,915,000 244.9% 0.1%
Cf Bank $1,845,000 $4,905,000 165.9% 0.1%
HOMEOWNERS FINANCIAL GROUP USA, LLC $4,245,000 $4,815,000 13.4% 0.1%
NEW DAY FINANCIAL, LLC $4,385,000 $4,715,000 7.5% 0.1%
BM Real Estate Services, Inc. $3,405,000 $4,600,000 35.1% 0.1%
AUGUSTA FINANCIAL, INC. $3,585,000 $4,560,000 27.2% 0.1%
THRIVE MORTGAGE, LLC $125,000 $4,555,000 3,544.0% 0.1%
Utah Mortgage Loan Corporation $1,200,000 $4,515,000 276.3% 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $4,415,000 $4,475,000 1.4% 0.1%
Firefighters First Federal Credit Union $4,485,000 $4,465,000 -0.4% 0.1%
MOUNTAIN WEST FINANCIAL, INC. $6,135,000 $4,350,000 -29.1% 0.1%
ONY GLO, INC. $9,345,000 $4,305,000 -53.9% 0.1%
Toyota Financial Savings Bank $1,695,000 $4,150,000 144.8% 0.1%
HighTechLending Inc $2,360,000 $4,140,000 75.4% 0.1%
Barrington Bank & Trust Company, N.A. $6,880,000 $4,035,000 -41.4% 0.1%
RESIDENTIAL WHOLESALE MORTGAGE, INC. $5,975,000 $4,025,000 -32.6% 0.1%
Lakeview Community Capital, LLC $4,850,000 $3,995,000 -17.6% 0.1%
PACIFIC SERVICE $11,565,000 $3,965,000 -65.7% 0.1%
REDWOOD RESIDENTIAL ACQUISITION CORPORATION $1,005,000 $3,950,000 293.0% 0.1%
PREMIER LENDING, INC. $1,645,000 $3,920,000 138.3% 0.1%
KELLER MORTGAGE, LLC $3,670,000 $3,915,000 6.7% 0.1%
STAR ONE CREDIT UNION $6,055,000 $3,875,000 -36.0% 0.1%
OCMBC, INC. $4,050,000 $3,815,000 -5.8% 0.1%
AMWEST FUNDING CORP. $4,935,000 $3,750,000 -24.0% 0.0%
AmRes Corporation $3,005,000 $3,710,000 23.5% 0.0%
EVERETT FINANCIAL, INC. $5,320,000 $3,595,000 -32.4% 0.0%
BBVA USA $11,480,000 $3,530,000 -69.3% 0.0%
Century Mortgage Company DBA Century Lending Company $3,525,000 n/a 0.0%
Silicon Valley Bank $3,525,000 n/a 0.0%
F&A Federal Credit Union $2,270,000 $3,485,000 53.5% 0.0%
Franklin Loan Corporation $2,435,000 $3,420,000 40.5% 0.0%
PATELCO $2,730,000 $3,375,000 23.6% 0.0%
Arvest Bank $2,745,000 $3,365,000 22.6% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $5,185,000 $3,300,000 -36.4% 0.0%
LOANSNAP, INC. $1,670,000 $3,255,000 94.9% 0.0%
HOMESIDE FINANCIAL, LLC $3,895,000 $3,200,000 -17.8% 0.0%
UNIVERSITY CREDIT UNION $410,000 $3,125,000 662.2% 0.0%
ALLIANT CREDIT UNION $2,420,000 $3,050,000 26.0% 0.0%
Greenbox Loans, Inc. $1,720,000 $3,015,000 75.3% 0.0%
LENDSURE MORTGAGE CORP. $770,000 $2,840,000 268.8% 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $3,150,000 $2,785,000 -11.6% 0.0%
CITYWIDE HOME LOANS, LLC $1,380,000 $2,745,000 98.9% 0.0%
GUARANTY HOME MORTGAGE CORPORATION $2,700,000 n/a 0.0%
Citizens Business Bank $895,000 $2,685,000 200.0% 0.0%
HomeStreet Bank $6,965,000 $2,660,000 -61.8% 0.0%
CUSTOMER SERVICE MORTGAGE CORPORATION $2,780,000 $2,655,000 -4.5% 0.0%
Hometown Equity Mortgage, LLC $2,265,000 $2,620,000 15.7% 0.0%
Ameris Bank $1,590,000 $2,610,000 64.2% 0.0%
WESCOM CENTRAL CREDIT UNION $3,995,000 $2,590,000 -35.2% 0.0%
ALL REVERSE MORTGAGE, INC. $1,285,000 $2,535,000 97.3% 0.0%
The Loan Store, Inc. $840,000 $2,530,000 201.2% 0.0%
Northpointe Bank $6,980,000 $2,525,000 -63.8% 0.0%
ANGEL OAK HOME LOANS LLC $325,000 $2,515,000 673.8% 0.0%
SOFI LENDING CORP. $2,695,000 $2,495,000 -7.4% 0.0%
First Western Trust Bank $2,420,000 $2,490,000 2.9% 0.0%
General Mortgage Capital Corporation $1,395,000 $2,490,000 78.5% 0.0%
MLD MORTGAGE INC. $1,985,000 $2,490,000 25.4% 0.0%
ARC HOME LLC $1,845,000 $2,465,000 33.6% 0.0%
MICHIGAN MUTUAL, INC. $4,780,000 $2,465,000 -48.4% 0.0%
Luxury Mortgage Corp. $2,415,000 n/a 0.0%
LAND HOME FINANCIAL SERVICES, INC. $4,945,000 $2,405,000 -51.4% 0.0%
Northwest Farm Credit Services, FLCA $2,160,000 $2,395,000 10.9% 0.0%
MORTGAGE MANAGEMENT CONSULTANTS, INC. $7,350,000 $2,345,000 -68.1% 0.0%
21ST MORTGAGE CORPORATION $990,000 $2,295,000 131.8% 0.0%
SPRING EQ, LLC $2,270,000 $2,270,000 0.0% 0.0%
Goldman Sachs Bank USA $4,970,000 $2,265,000 -54.4% 0.0%
CALCON MUTUAL MORTGAGE LLC $475,000 $2,165,000 355.8% 0.0%
NMSI, INC. $2,500,000 $2,140,000 -14.4% 0.0%
AXIA FINANCIAL, LLC $285,000 $2,135,000 649.1% 0.0%
CHEVRON $3,910,000 $2,130,000 -45.5% 0.0%
Provident Credit Union $870,000 $2,110,000 142.5% 0.0%
CAPSTONE DIRECT, INC. $2,470,000 $2,105,000 -14.8% 0.0%
OPEN MORTGAGE, LLC $1,135,000 $2,100,000 85.0% 0.0%
GOOGAIN, INC. $2,130,000 $2,065,000 -3.1% 0.0%
QUORUM FEDERAL CREDIT UNION $870,000 $2,050,000 135.6% 0.0%
First Mortgage Solutions, LLC $2,515,000 $2,035,000 -19.1% 0.0%
Educational Employees Credit Union $900,000 $2,030,000 125.6% 0.0%
A&D Mortgage LLC $2,005,000 n/a 0.0%
The Northern Trust Company $2,220,000 $2,000,000 -9.9% 0.0%
FISHER FINANCIAL GROUP, INCORPORATED $1,590,000 $1,970,000 23.9% 0.0%
LOS ANGELES POLICE Federal Credit Union $2,490,000 $1,960,000 -21.3% 0.0%
ACADEMY MORTGAGE CORPORATION $1,120,000 $1,940,000 73.2% 0.0%
DATA MORTGAGE, INC. $3,205,000 $1,935,000 -39.6% 0.0%
CBC Federal Credit Union $540,000 $1,925,000 256.5% 0.0%
BNY Mellon $1,005,000 $1,875,000 86.6% 0.0%
CALCULATED RISK ANALYTICS LLC $2,190,000 $1,850,000 -15.5% 0.0%
Sunflower Bank $1,825,000 n/a 0.0%
Montecito Bank & Trust $1,510,000 $1,805,000 19.5% 0.0%
LOANLEADERS OF AMERICA, INC. $1,400,000 $1,765,000 26.1% 0.0%
Equity Prime Mortgage LLC $5,200,000 $1,760,000 -66.2% 0.0%
TCF National Bank $7,455,000 $1,745,000 -76.6% 0.0%
INTELLILOAN, INC. $2,730,000 $1,725,000 -36.8% 0.0%
Financial Partners Credit Union $3,305,000 $1,700,000 -48.6% 0.0%
Merchants Bank of Indiana $2,780,000 $1,695,000 -39.0% 0.0%
PCMA, INC. $1,695,000 n/a 0.0%
Home Mortgage Alliance Corp $1,675,000 n/a 0.0%
GEORGIA'S OWN $1,660,000 n/a 0.0%
HOMESTEAD FUNDING CORP. $1,690,000 $1,655,000 -2.1% 0.0%
Colonial Savings, F.A. $1,640,000 n/a 0.0%
Servion, Inc. $20,445,000 $1,640,000 -92.0% 0.0%
Florida Capital Bank $2,180,000 $1,620,000 -25.7% 0.0%
NATIONS RELIABLE LENDING, LLC $1,605,000 n/a 0.0%
WALKER & DUNLOP, LLC $3,105,000 $1,605,000 -48.3% 0.0%
SAN DIEGO COUNTY CREDIT UNION $25,000 $1,600,000 6,300.0% 0.0%
Discover Bank $400,000 $1,595,000 298.8% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $2,430,000 $1,580,000 -35.0% 0.0%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $1,540,000 n/a 0.0%
First Foundation Bank $4,340,000 $1,525,000 -64.9% 0.0%
ATHAS CAPITAL GROUP, INC. $1,130,000 $1,520,000 34.5% 0.0%
NEW WAVE LENDING GROUP INC $1,495,000 $1,515,000 1.3% 0.0%
MidFirst Bank $1,005,000 $1,505,000 49.8% 0.0%
Gateway First Bank $1,485,000 n/a 0.0%
MONARCH FUNDING CORP. $1,455,000 n/a 0.0%
MK LENDING CORP. $540,000 $1,435,000 165.7% 0.0%
Hometown Lenders, Inc. $2,510,000 $1,385,000 -44.8% 0.0%
DEL SUR CORPORATION $1,235,000 $1,370,000 10.9% 0.0%
MORTGAGE CAPITAL PARTNERS, INC. $3,195,000 $1,365,000 -57.3% 0.0%
Community First National Bank $825,000 $1,355,000 64.2% 0.0%
Farmers Bank & Trust $2,655,000 $1,315,000 -50.5% 0.0%
FIRST ENTERTAINMENT $1,310,000 n/a 0.0%
HOME APPROVALS DIRECT, INC. $840,000 $1,305,000 55.4% 0.0%
ACCELERATE MORTGAGE, LLC $1,295,000 n/a 0.0%
NexBank $425,000 $1,295,000 204.7% 0.0%
COMMUNITY MORTGAGE FUNDING, LLC $375,000 $1,265,000 237.3% 0.0%
HONDA Federal Credit Union $255,000 $1,245,000 388.2% 0.0%
PANORAMA MORTGAGE GROUP, LLC $1,710,000 $1,245,000 -27.2% 0.0%
TRIAD FINANCIAL SERVICES, INC. $185,000 $1,245,000 573.0% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $3,430,000 $1,240,000 -63.8% 0.0%
EMBRACE HOME LOANS, INC. $1,360,000 $1,240,000 -8.8% 0.0%
CIVIC FINANCIAL SERVICES, LLC $305,000 $1,220,000 300.0% 0.0%
Operating Engineers Local Union #3 $1,205,000 n/a 0.0%
NFM, INC. $285,000 $1,200,000 321.1% 0.0%
RESIDENTIAL BANCORP. $1,200,000 n/a 0.0%
UNIFY FINANCIAL Credit Union $1,195,000 n/a 0.0%
ABSOLUTE HOME MORTGAGE CORPORATION $945,000 $1,185,000 25.4% 0.0%
First Bank $485,000 $1,185,000 144.3% 0.0%
Tri Counties Bank $34,845,000 $1,180,000 -96.6% 0.0%
Figure Lending LLC $1,195,000 $1,175,000 -1.7% 0.0%
Comerica Bank $910,000 $1,150,000 26.4% 0.0%
Raymond James Bank $1,855,000 $1,150,000 -38.0% 0.0%
Magnolia Bank $2,430,000 $1,145,000 -52.9% 0.0%
Mortgage Bank of California $1,105,000 n/a 0.0%
MORTGAGE 2000, INC. $335,000 $1,100,000 228.4% 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $1,100,000 n/a 0.0%
TRISTAR FINANCE, INC. $1,090,000 n/a 0.0%
Kwik Mortgage Corporation $810,000 $1,055,000 30.2% 0.0%
Luther Burbank Savings $1,055,000 n/a 0.0%
Reliant Bank $1,055,000 n/a 0.0%
FIRST TECHNOLOGY $6,435,000 $1,045,000 -83.8% 0.0%
PACIFIC RESIDENTIAL MORTGAGE, LLC $445,000 $1,040,000 133.7% 0.0%
Goldwater Bank, N.A. $2,045,000 $1,010,000 -50.6% 0.0%
LENDERFI, INC. $4,375,000 $1,010,000 -76.9% 0.0%
1ST RELIANT HOME LOANS, INC. $800,000 $1,005,000 25.6% 0.0%
FJM PRIVATE MORTGAGE FUND, LLC $1,005,000 n/a 0.0%
Crestline Funding Corporation $895,000 $990,000 10.6% 0.0%
Platinum Home Mortgage Corporation $805,000 $990,000 23.0% 0.0%
Bank of Hope $985,000 $985,000 0.0% 0.0%
Provident Savings Bank, F.S.B. $970,000 n/a 0.0%
BAY $550,000 $960,000 74.5% 0.0%
HSBC BANK USA, NATIONAL ASSOCIATION $1,135,000 $955,000 -15.9% 0.0%
Summit Mortgage Corporation $950,000 n/a 0.0%
CANOPY MORTGAGE, LLC $1,485,000 $940,000 -36.7% 0.0%
The Central Trust Bank $255,000 $940,000 268.6% 0.0%
COAST 2 COAST FUNDING GROUP, INC. $375,000 $935,000 149.3% 0.0%
ON Q FINANCIAL, INC. $1,115,000 $910,000 -18.4% 0.0%
WESTCOAST MORTGAGE GROUP AND REALTY COMPANY $630,000 $910,000 44.4% 0.0%
AHL FUNDING $900,000 n/a 0.0%
JMJ FINANCIAL GROUP $1,985,000 $900,000 -54.7% 0.0%
S&S Financial $1,395,000 $890,000 -36.2% 0.0%
Texana Bank $890,000 n/a 0.0%
TOP FLITE FINANCIAL, INC. $675,000 $890,000 31.9% 0.0%
MAYO EMPLOYEES FEDERAL CREDIT UNION $875,000 n/a 0.0%
INTERCAP LENDING INC. $780,000 $865,000 10.9% 0.0%
Banner Bank $305,000 $855,000 180.3% 0.0%
REDWOOD $955,000 $855,000 -10.5% 0.0%
MERIWEST MORTGAGE COMPANY, LLC $1,015,000 $850,000 -16.3% 0.0%
VENTURA COUNTY $765,000 $850,000 11.1% 0.0%
FIRST CENTENNIAL MORTGAGE CORPORATION $1,955,000 $840,000 -57.0% 0.0%
MACKILLIE INCORPORATED $830,000 n/a 0.0%
VICTORIA FINANCIAL CORP. $285,000 $810,000 184.2% 0.0%
First Federal Bank $1,905,000 $805,000 -57.7% 0.0%
SACRAMENTO Credit Union $805,000 n/a 0.0%
Baxter Credit Union $770,000 n/a 0.0%
Financial Funding Solutions, Inc. $295,000 $765,000 159.3% 0.0%
DAS Acquisition Company, LLC $760,000 n/a 0.0%
Boeing Employees Credit Union $775,000 $755,000 -2.6% 0.0%
Alaska USA Federal Credit Union $860,000 $745,000 -13.4% 0.0%
MEGASTAR FINANCIAL CORP. $760,000 $740,000 -2.6% 0.0%
PIKE CREEK MORTGAGE SERVICES, INC. $790,000 $730,000 -7.6% 0.0%
SCENIC OAKS FUNDING, INC. $1,125,000 $730,000 -35.1% 0.0%
NOVA FINANCIAL & INVESTMENT CORPORATION $3,640,000 $710,000 -80.5% 0.0%
CALTECH EMPLOYEES FEDERAL CREDIT UNION $755,000 $705,000 -6.6% 0.0%
Water and Power Community Credit Union $705,000 n/a 0.0%
NATIONAL COOPERATIVE BANK, N.A. $695,000 n/a 0.0%
TECHNOLOGY $105,000 $680,000 547.6% 0.0%
SOUTHLAND CREDIT UNION $665,000 n/a 0.0%
SAN FRANCISCO FIRE CREDIT UNION $530,000 $660,000 24.5% 0.0%
Advisors Mortgage Group, L.L.C. $640,000 n/a 0.0%
SUMMIT MORTGAGE CORPORATION $635,000 n/a 0.0%
United Fidelity Funding Corp. $635,000 n/a 0.0%
EMM LOANS LLC $770,000 $630,000 -18.2% 0.0%
NuVision Federal Credit Union $405,000 $620,000 53.1% 0.0%
MORTGAGEONE, INC. $615,000 n/a 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $690,000 $610,000 -11.6% 0.0%
PARTNERS $710,000 $610,000 -14.1% 0.0%
Meridian Bank Corporation $605,000 n/a 0.0%
MORIA DEVELOPMENT, INC. $870,000 $605,000 -30.5% 0.0%
Pioneer Bank $605,000 n/a 0.0%
BOKF $2,175,000 $595,000 -72.6% 0.0%
Quontic Bank $590,000 n/a 0.0%
MID-VALLEY SERVICES, INC. $4,480,000 $585,000 -86.9% 0.0%
Self-Help Federal Credit Union $585,000 n/a 0.0%
R M K FINANCIAL CORP. $720,000 $580,000 -19.4% 0.0%
FUNDLOANS CAPITAL $335,000 $575,000 71.6% 0.0%
GSF Mortgage Corporation $570,000 n/a 0.0%
BMO Harris Bank $245,000 $565,000 130.6% 0.0%
Plains Commerce Bank $255,000 $565,000 121.6% 0.0%
ML Mortgage Corp. $925,000 $560,000 -39.5% 0.0%
FirstBank $13,660,000 $555,000 -95.9% 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $1,030,000 $550,000 -46.6% 0.0%
SAFE CREDIT UNION $1,410,000 $550,000 -61.0% 0.0%
FOOTHILL FEDERAL CREDIT UNION $1,070,000 $545,000 -49.1% 0.0%
NORTHROP GRUMMAN Federal Credit Union $145,000 $540,000 272.4% 0.0%
SUMMIT MORTGAGE BANKERS INC. $535,000 n/a 0.0%
V.I.P. MORTGAGE, INC. $1,145,000 $535,000 -53.3% 0.0%
BLUELEAF LENDING, LLC $525,000 n/a 0.0%
Constant Investments, Inc. $515,000 $515,000 0.0% 0.0%
Evolve Bank & Trust $665,000 $515,000 -22.6% 0.0%
FAMILIES AND SCHOOLS TOGETHER FEDERAL CREDIT UNION $505,000 n/a 0.0%
LIBERTY HOME MORTGAGE CORPORATION $950,000 $505,000 -46.8% 0.0%
HomeTrust Bank $140,000 $500,000 257.1% 0.0%
INLAND BANK & TRUST $605,000 $495,000 -18.2% 0.0%
LOANFLIGHT LENDING, LLC $2,315,000 $495,000 -78.6% 0.0%
Unitus Community Credit Union $495,000 n/a 0.0%
HARTFORD FUNDING, LTD. $485,000 n/a 0.0%
Platte Valley Bank $485,000 n/a 0.0%
ST FIN CORP $485,000 n/a 0.0%
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $480,000 n/a 0.0%
GET A RATE LLC $480,000 n/a 0.0%
SCIENT Federal Credit Union $475,000 n/a 0.0%
ALLIED MORTGAGE GROUP, INC. $480,000 $470,000 -2.1% 0.0%
DIRECT MORTGAGE, CORP. $470,000 n/a 0.0%
Chicago Mortgage Solutions LLC $465,000 n/a 0.0%
GoPrime Mortgage, Inc. $465,000 n/a 0.0%
CALIFORNIA CREDIT UNION $1,015,000 $460,000 -54.7% 0.0%
First Internet Bank of Indiana $710,000 $455,000 -35.9% 0.0%
UNCLE Credit Union $455,000 n/a 0.0%
United Nations Federal Credit Union $445,000 n/a 0.0%
Wallick & Volk, Inc. $445,000 n/a 0.0%
Pinnacle Bank $435,000 n/a 0.0%
Bank of England $630,000 $430,000 -31.7% 0.0%
RBC Bank, (Georgia) $735,000 $425,000 -42.2% 0.0%
AMCAP MORTGAGE, LTD. $305,000 $415,000 36.1% 0.0%
FIRST COMMUNITY MORTGAGE, INC. $415,000 n/a 0.0%
MIDWEST LOAN SOLUTIONS, INC. $415,000 $415,000 0.0% 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $4,370,000 $415,000 -90.5% 0.0%
San Mateo Credit Union $365,000 $415,000 13.7% 0.0%
KEYPOINT $1,465,000 $410,000 -72.0% 0.0%
SILVER HILL FUNDING, LLC $880,000 $405,000 -54.0% 0.0%
SANTA CLARA COUNTY $400,000 n/a 0.0%
First Option Mortgage, LLC $395,000 n/a 0.0%
MANN FINANCIAL INC. $695,000 $395,000 -43.2% 0.0%
ROYAL UNITED MORTGAGE LLC $760,000 $390,000 -48.7% 0.0%
Manufacturers and Traders Trust Company $580,000 $385,000 -33.6% 0.0%
LBS FINANCIAL $325,000 $375,000 15.4% 0.0%
USE Credit Union $255,000 $375,000 47.1% 0.0%
Deere Employees Credit Union $365,000 n/a 0.0%
SNAPFI, INC. $1,375,000 $365,000 -73.5% 0.0%
SYNERGY HOME MORTGAGE, LLC $355,000 n/a 0.0%
First Western Federal Savings Bank $345,000 n/a 0.0%
NORWICH COMMERCIAL GROUP, INC. $345,000 n/a 0.0%
WALL FINANCIAL, INC. $345,000 n/a 0.0%
First Bank $485,000 $335,000 -30.9% 0.0%
Loan Simple, Inc. $515,000 $315,000 -38.8% 0.0%
Signature Federal Credit Union $310,000 n/a 0.0%
Bethpage Federal Credit Union $35,000 $305,000 771.4% 0.0%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $1,660,000 $305,000 -81.6% 0.0%
KS StateBank $2,860,000 $305,000 -89.3% 0.0%
STANFORD Federal Credit Union $1,375,000 $305,000 -77.8% 0.0%
FAY SERVICING, LLC $295,000 n/a 0.0%
THRIVENT Federal Credit Union $845,000 $295,000 -65.1% 0.0%
Boston Private Bank & Trust Company $285,000 n/a 0.0%
CERTIFIED $650,000 $285,000 -56.2% 0.0%
THE FIRST FINANCIAL Federal Credit Union $135,000 $285,000 111.1% 0.0%
TruHome Solutions, LLC $285,000 n/a 0.0%
NATIONWIDE EQUITIES CORPORATION $275,000 n/a 0.0%
SRE MORTGAGE ALLIANCE INC. $500,000 $275,000 -45.0% 0.0%
T2 FINANCIAL LLC $265,000 $275,000 3.8% 0.0%
State Department Federal Credit Union $265,000 n/a 0.0%
FBC MORTGAGE, LLC $660,000 $255,000 -61.4% 0.0%
FIRST NATIONS HOME FINANCE CORPORATION $235,000 n/a 0.0%
Core Bank $225,000 n/a 0.0%
Credit Union of Southern California $225,000 n/a 0.0%
LEADERONE FINANCIAL CORPORATION $305,000 $225,000 -26.2% 0.0%
Elements Financial Federal Credit Union $205,000 n/a 0.0%
TOWNE MORTGAGE COMPANY $155,000 $205,000 32.3% 0.0%
UNITED MORTGAGE CORP. $315,000 $185,000 -41.3% 0.0%
BAYSHORE MORTGAGE FUNDING, LLC $165,000 n/a 0.0%
INTERNATIONAL CITY MORTGAGE, INC. $165,000 n/a 0.0%
The Huntington National Bank $1,090,000 $165,000 -84.9% 0.0%
HANSCOM $155,000 n/a 0.0%
California Coast Credit Union $145,000 n/a 0.0%
MERIWEST $330,000 $140,000 -57.6% 0.0%
ANDREWS FEDERAL CREDIT UNION $135,000 n/a 0.0%
First City Credit Union $125,000 n/a 0.0%
HOME FUNDING CORPORATION $105,000 n/a 0.0%
Connexus Credit Union $635,000 $90,000 -85.8% 0.0%
American Airlines Federal Credit Union $285,000 $45,000 -84.2% 0.0%
PREMIER AMERICA $505,000 $45,000 -91.1% 0.0%
SEA WEST COAST GUARD FEDERAL CREDIT UNION $525,000 $45,000 -91.4% 0.0%
VA Desert Pacific FCU $45,000 n/a 0.0%
Home Loan Investment Bank, F.S.B. $40,000 n/a 0.0%

SAN LUIS OBISPO - PASO ROBLES's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 9.5% market share. In second place, with 7.7%, is QUICKEN LOANS, LLC, having originated $587,490,000 in loans. In third place, with 5.6%, is LOANDEPOT.COM, LLC, having originated $424,465,000 in loans. In third place, with 4.5%, is HOME POINT FINANCIAL CORPORATION, having originated $342,670,000 in loans. In third place, with 4.1%, is GUARANTEED RATE, INC., having originated $308,885,000 in loans.


SAN LUIS OBISPO-PASO ROBLES, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 8,023 $3,346,985,000 $417,174
Cash Out Refi 4,306 $1,777,000,000 $412,680
Home Purchase 4,124 $2,302,270,000 $558,261
Home Improvement 402 $86,020,000 $213,980
Other 227 $82,315,000 $362,621
NA 1 $955,000 $955,000

San Luis Obispo - Paso Robles's most frequently cited loan purpose was Refi, with 8,023 originations. The 2nd most popular reason was Cash Out Refi, with 4,306 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 8,368 $3,707,300,000 $443,033
3-4% 4,703 $2,226,045,000 $473,324
<2.5% 3,369 $1,446,995,000 $429,503
4-5% 306 $112,010,000 $366,046
5-6% 153 $40,105,000 $262,124
6-7% 46 $11,650,000 $253,261
Over 8% 36 $10,400,000 $288,889
7-8% 25 $6,255,000 $250,200

During 2021, San Luis Obispo - Paso Robles's most frequently originated rate bucket was 2.5-3%, with 8,368 originations.

Loan Sizing (SAN LUIS OBISPO-PASO ROBLES, CA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 6,440 $1,981,050,000 $307,616
$400k-600k 5,914 $2,890,820,000 $488,810
$600k-1000k 2,644 $1,878,630,000 $710,526
$100k-200k 1,282 $197,680,000 $154,197
$Over $1MM 416 $623,210,000 $1,498,101
$100,000 or less 387 $24,155,000 $62,416

SAN LUIS OBISPO - PASO ROBLES's loan sizing saw the bucket of loans from $200k-400k with 6,440 originations, totaling $1,981,050,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 5,534 $2,939,740,000 $531,214
40-60% 4,971 $2,101,025,000 $422,656
80-100% 2,648 $1,478,380,000 $558,301
20-40% 2,586 $744,580,000 $287,927
Under 20% 785 $100,405,000 $127,904
Over 100% 80 $50,360,000 $629,500

SAN LUIS OBISPO - PASO ROBLES's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 5,534 originations, totaling $2,939,740,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)