Mortgage Lenders and Brokers in Los Osos, 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
Los Osos, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1045 Los Osos Valley Rd, Los Osos, CA 93402A+5.0 ★Texas Ratio: 3.68%, Mechanics BankMechanics Bank1001 Los Osos Valley Rd, Los Osos, CA 93402A+5.0 ★Texas Ratio: 1.81%, Sesloc Credit UnionSesloc Credit Union1399 E Grand Ave, Arroyo Grande, CA 93420 2421, Central Coast Lending, Inc.Central Coast Lending, Inc.510 Canal St Ste R, King City, CA 93930 3443, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, and California Credit UnionCalifornia Credit Union633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973A+5.0 ★Texas Ratio: 2.90%. 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 Los Osos, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Los Osos 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 Los Osos, California
Market share is the lender's share of all home loans closed in Los Osos, 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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1 office in Los Osos 1045 Los Osos Valley Rd, Los Osos, CA 93402 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 2% | 100% | $301,666 | View |
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1 office in Los Osos 1001 Los Osos Valley Rd, Los Osos, CA 93402 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 1 | 0.7% | 50% | $125,000 | View |
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1399 E Grand Ave, Arroyo Grande, CA 93420 2421 |
Conventional, HELOC | 6 +15 HELOCs |
4.1% | 75% | $355,000 | View |
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510 Canal St Ste R, King City, CA 93930 3443 |
Conventional | 4 | 2.7% | 100% | $515,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 2% | 100% | $595,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +5 HELOCs |
1.4% | 100% | $545,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 1 +7 HELOCs |
0.7% | 100% | $105,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 1 +4 HELOCs |
0.7% | 100% | $355,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.7% | 100% | $435,000 | View |
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633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90% |
Conventional | 1 | 0.7% | 100% | $385,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.7% | 100% | $505,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.7% | 100% | $505,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.7% | 50% | $105,000 | View |
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1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74% |
Conventional | 1 | 0.7% | 100% | $125,000 | View |
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3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Coastal Funding SLC, Inc.
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Conventional, FHA, VA | 9 | 6.1% | 100% | $621,666 | |
Kind Lending, LLC
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Conventional | 3 | 2% | 75% | $658,333 | |
loanDepot.com LLC
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Conventional | 3 | 2% | 75% | $465,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 2 | 1.4% | 50% | $425,000 | |
Dignified Home Loans LLC
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Conventional | 2 | 1.4% | 100% | $410,000 | |
Hometown Equity Mortgage, LLC
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Conventional, Jumbo | 2 | 1.4% | 100% | $1,025,000 | |
Nexera Holding LLC
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Conventional | 2 | 1.4% | 100% | $515,000 | |
AAA Capital Investment, Inc
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Conventional | 1 | 0.7% | 100% | $515,000 | |
Infinity Equity Group, Inc.
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Conventional | 1 | 0.7% | 100% | $675,000 | |
Golden Empire Mortgage, Inc.
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VA | 1 | 0.7% | 100% | $495,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.7% | 100% | $525,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.7% | 100% | $805,000 | |
Citadel Servicing Corporation
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Conventional, Jumbo | 1 | 0.7% | 100% | $1,425,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.7% | 100% | $525,000 | |
ClearEdge Lending LLC
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Conventional | 1 | 0.7% | 50% | $675,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.7% | 100% | $755,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 33 +1 HELOCs |
22.4% | 91.7% | $589,545 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo, HELOC | 11 +1 HELOCs |
7.5% | 100% | $711,363 | |
Rocket Mortgage
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Conventional | 9 | 6.1% | 81.8% | $362,777 | |
Envoy Mortgage, Ltd
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Conventional | 5 | 3.4% | 100% | $579,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, Jumbo | 4 | 2.7% | 100% | $747,500 | |
Nationstar Mortgage
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Conventional | 3 | 2% | 75% | $381,666 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 3 | 2% | 100% | $531,666 | View |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, HELOC | 2 +1 HELOCs |
1.4% | 100% | $370,000 | View |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 1.4% | 100% | $170,000 | |
Newrez LLC
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Conventional | 2 | 1.4% | 100% | $270,000 | |
Alliant Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.7% | 100% | $875,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional, HELOC | 1 +1 HELOCs |
0.7% | 100% | $545,000 | View |
Arc Home LLC
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Conventional | 1 | 0.7% | 100% | $645,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.7% | 100% | $555,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.7% | 100% | $565,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.7% | 33.3% | $25,000 | |
Mayo Employees Federal Credit Union
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Conventional, Jumbo | 1 | 0.7% | 100% | $1,805,000 | |
Discover Bank
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Conventional | 1 | 0.7% | 100% | $85,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.7% | 100% | $565,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.7% | 100% | $665,000 | |
Mortgage Research Center
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VA | 1 | 0.7% | 100% | $915,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.7% | 100% | $485,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.7% | 50% | $605,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.7% | 50% | $35,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Boeing Employees' Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Los Osos 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 Los Osos, California
Looking for mortgage lenders near me or mortgage brokers near me in Los Osos? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Los Osos in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Los Osos, CA
Use these to narrow the list above. Each category shows how many Los Osos, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Los Osos, CA
Independent mortgage companies closed 81.6 percent of home loans in Los Osos, California in 2025, banks 10.2 percent and credit unions 8.2 percent. Central Coast Lending, 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, Mechanics Bank led with 1 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 Los Osos, CA
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Los Osos, California with 3 loans, about 2 percent of the market. The largest lender headquartered in California was Mechanics Bank with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
5 lenders closed FHA loans in Los Osos, California in 2025, led by Coastal Funding SLC, Inc. with 1. 4 lenders closed VA loans, led by United Wholesale Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 14 banks and 11 credit unions closed home loans in Los Osos, California in 2025, alongside 39 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 Los Osos, 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 Los Osos, 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 Los Osos. 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.
