Mortgage lending in San Luis Obispo-Paso Robles, CA
4,840 mortgages were originated in the San Luis Obispo-Paso Robles, CA area in 2025, and here is what they cost.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. 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
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $455,000
- Above the going rate (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.
Who lent here
Lenders with at least 50 loans in the San Luis Obispo-Paso Robles, CA area, 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% |