Mortgage Lenders and Brokers in Cayucos, California
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Cayucos, California mortgage lenders include Sesloc Credit UnionSesloc Credit Union1399 E Grand Ave, Arroyo Grande, CA 93420 2421, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.31924 Crown Valley Rd, Acton, CA 93510A+5.0 ★Texas Ratio: 3.72%, Citizens Business Bank, NACitizens Business Bank, NA19197 Town Center Dr, Apple Valley, CA 92308A+5.0 ★Texas Ratio: 0.53%, Mechanics BankMechanics Bank801 San Pablo Ave, Albany, CA 94706A+5.0 ★Texas Ratio: 1.81%, Murphy BankMurphy Bank5180 N Palm Ave, Fresno, CA 93704A+5.0 ★Texas Ratio: 2.25%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, and Firefighters First Federal Credit UnionFirefighters First Federal Credit Union7900 Downing Ave, Bakersfield, CA 93308A+5.0 ★Texas Ratio: 1.69%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Cayucos, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cayucos are listed first, then lenders elsewhere in California, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Cayucos, California
Market share is the lender's share of all home loans closed in Cayucos, California. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1399 E Grand Ave, Arroyo Grande, CA 93420 2421 |
Conventional, HELOC | 2 +2 HELOCs |
6.7% | 100% | $655,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 2 | 6.7% | 66.7% | $1,605,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 2 | 6.7% | 100% | $810,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 3.3% | 66.7% | $815,000 | View |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
Conventional | 1 | 3.3% | 100% | $905,000 | View |
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19197 Town Center Dr, Apple Valley, CA 92308 A+5.0 ★Texas Ratio: 0.53% |
Conventional | 1 | 3.3% | 100% | $855,000 | View |
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801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 1 | 3.3% | 100% | $605,000 | View |
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5180 N Palm Ave, Fresno, CA 93704 A+5.0 ★Texas Ratio: 2.25% |
Conventional | 1 | 3.3% | 100% | $685,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Coastal Funding SLC, Inc.
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Conventional | 3 | 10% | 100% | $671,666 | |
Resicentral LLC
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Conventional | 1 | 3.3% | 100% | $795,000 | |
United Wholesale Mortgage
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Conventional | 3 | 10% | 100% | $761,666 | |
Rocket Mortgage
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Conventional | 2 | 6.7% | 66.7% | $235,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
3.3% | 100% | $75,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 3.3% | 100% | $875,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 3.3% | 100% | $35,000 | |
Newrez LLC
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Conventional | 1 | 3.3% | 100% | $715,000 | |
Envoy Mortgage, Ltd
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Conventional, Jumbo | 1 | 3.3% | 100% | $2,105,000 | |
Ameritrust Mortgage Corporation
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Conventional | 1 | 3.3% | 100% | $845,000 | |
Peoples Mortgage Company
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Conventional | 1 | 3.3% | 100% | $365,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 3.3% | 100% | $525,000 | |
The Loan Store, Inc
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Conventional | 1 | 3.3% | 100% | $175,000 | |
Champions Funding, LLC
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Conventional | 1 | 3.3% | 100% | $525,000 | |
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A-4.8 ★Texas Ratio: 12.33% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Cayucos Mortgage Rate Trends
Daily average mortgage rates for California compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Cayucos, California
Looking for mortgage lenders near me or mortgage brokers near me in Cayucos? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cayucos in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cayucos, CA
Use these to narrow the list above. Each category shows how many Cayucos, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Cayucos, CA
Independent mortgage companies closed 63.3 percent of home loans in Cayucos, California in 2025, banks 30 percent and credit unions 6.7 percent. Coastal Funding SLC, Inc. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Sesloc Credit Union the largest credit union. Among lenders headquartered in California, Sesloc Credit Union led with 2 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in California. County documentary transfer tax of $1.10 per $1,000 (0.11 percent), with many cities adding their own transfer tax (for example San Francisco and Los Angeles at much higher rates); no mortgage recording tax.
More California Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Cayucos, CA
By home loans closed in 2025, Sesloc Credit Union was the largest mortgage lender in Cayucos, California with 2 loans, about 6.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 11 banks and 4 credit unions closed home loans in Cayucos, California in 2025, alongside 14 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Cayucos, California during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Cayucos, California for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Cayucos. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
