Mortgage lending in San Luis Obispo County
4,840 mortgages were originated in San Luis Obispo County, California, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 4,840
- Median rate
- 6.750%
- Median lender fees
- $5,685
- Median loan amount
- $455,000
- Median spread over APOR
- 0.260
- Paid discount points
- 28.7%
- Received lender credits
- 26.8%
- Purchases / refinances
- 43.1% / 35.1%
- Conventional / FHA / VA
- 89.7% / 6.1% / 4.1%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 66.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,000,500
- FHA limit
- $1,000,500
This is a high-cost area: loans above $832,750 are still agency-backed here, as high-balance, where a plain conforming loan would stop. How limits work
Who lent here
Lenders with at least 50 loans in San Luis Obispo County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 505 | $6,773 | 6.500% |
| GUARANTEED RATE, INC. | 435 | $5,712 | 6.625% |
| SESLOC | 387 | $2,354 | 7.500% |
| Rocket Mortgage, LLC | 248 | $4,525 | 6.625% |
| COASTAL FUNDING SLC, INC. | 177 | $5,287 | 6.875% |
| Loandepot.Com, LLC | 166 | $5,262 | 6.750% |
| CROSSCOUNTRY MORTGAGE, INC. | 125 | $6,119 | 6.750% |
| THE GOLDEN 1 | 120 | — | 7.750% |
| PENNYMAC LOAN SERVICES, LLC | 112 | $5,774 | 6.750% |
| Bank of America, National Association | 105 | — | 6.125% |
What lenders charged here
Lender fees on a $455,000 loan, based on what was actually charged in San Luis Obispo County — not a rule of thumb.
From 3,223 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers