Mortgage Lenders and Brokers in Pismo Beach, 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
Pismo Beach, California mortgage lenders include Murphy BankMurphy Bank5180 N Palm Ave, Fresno, CA 93704A+5.0 ★Texas Ratio: 2.25%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, Educational Employees Credit UnionEducational Employees Credit Union1660 Herndon Ave Ste 101, Clovis, CA 93611A+5.0 ★Texas Ratio: 0.58%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, CoastHills Credit UnionCoastHills Credit Union1580 W Branch St, Arroyo Grande, CA 93420 1819, Community West Bank, A California Banking CorporationCommunity West Bank, A California Banking Corporation9201 Camino Media Suite 100, Bakersfield, CA 93311A+5.0 ★Texas Ratio: 4.14%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, Sesloc Credit UnionSesloc Credit Union1399 E Grand Ave, Arroyo Grande, CA 93420 2421, and US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%. 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 Pismo Beach, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Pismo Beach 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 Pismo Beach, California
Market share is the lender's share of all home loans closed in Pismo Beach, 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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5180 N Palm Ave, Fresno, CA 93704 A+5.0 ★Texas Ratio: 2.25% |
Conventional | 4 | 4.2% | 100% | $280,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 4 | 4.2% | 66.7% | $1,185,000 | View |
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1660 Herndon Ave Ste 101, Clovis, CA 93611 A+5.0 ★Texas Ratio: 0.58% |
Conventional, HELOC | 2 +5 HELOCs |
2.1% | 100% | $465,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 2 +3 HELOCs |
2.1% | 100% | $1,885,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
2.1% | 100% | $1,655,000 | View |
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1580 W Branch St, Arroyo Grande, CA 93420 1819 |
Conventional | 2 | 2.1% | 100% | $155,000 | View |
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9201 Camino Media Suite 100, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 2 | 2.1% | 100% | $420,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 2.1% | 100% | $490,000 | View |
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1399 E Grand Ave, Arroyo Grande, CA 93420 2421 |
Conventional, HELOC | 1 +10 HELOCs |
1.1% | 100% | $105,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 1 +2 HELOCs |
1.1% | 100% | $1,405,000 | View |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
Conventional, Jumbo | 1 | 1.1% | 50% | $1,035,000 | View |
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19197 Town Center Dr, Apple Valley, CA 92308 A+5.0 ★Texas Ratio: 0.53% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,505,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,425,000 | |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 1.1% | 100% | $175,000 | View |
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255 E River Park Cir, Fresno, CA 93720 A+5.0 ★Texas Ratio: 1.78% |
Conventional | 1 | 1.1% | 100% | $125,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
HELOC | 0 +4 HELOCs |
0% | n/a | 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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9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Coastal Funding SLC, Inc.
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Conventional | 7 | 7.4% | 100% | $666,428 | |
loanDepot.com LLC
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Conventional, HELOC | 3 +2 HELOCs |
3.2% | 100% | $668,333 | |
Golden Empire Mortgage, Inc.
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Conventional, Jumbo | 2 | 2.1% | 100% | $940,000 | |
Guild Mortgage Company
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Conventional | 2 | 2.1% | 100% | $845,000 | |
AmWest Funding Corp
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Conventional, Jumbo | 2 | 2.1% | 100% | $555,000 | |
Paramount Residential Mortgage
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Conventional, Jumbo | 2 | 2.1% | 100% | $975,000 | |
Watermark Capital, Inc.
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Conventional | 1 | 1.1% | 100% | $805,000 | |
Kind Lending, LLC
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Conventional | 1 | 1.1% | 50% | $685,000 | |
Pennymac Loan Services LLC
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VA, Jumbo | 1 | 1.1% | 33.3% | $1,275,000 | |
Dignified Home Loans LLC
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Conventional | 1 | 1.1% | 100% | $315,000 | |
American Internet Mortgage, Inc.
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Conventional | 1 | 1.1% | 100% | $505,000 | |
Hometown Equity Mortgage, LLC
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Conventional, Jumbo | 1 | 1.1% | 100% | $1,475,000 | |
American Pacific Mortgage Corporation
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VA | 1 | 1.1% | 100% | $255,000 | |
Summit Funding.Inc
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Conventional | 1 | 1.1% | 100% | $505,000 | |
New American Funding, LLC.
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Conventional, Jumbo | 1 | 1.1% | 100% | $1,125,000 | |
ClearEdge Lending LLC
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Conventional, Jumbo | 1 | 1.1% | 100% | $2,475,000 | |
Carrington Mortgage Services LLC
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FHA, Jumbo | 1 | 1.1% | 50% | $985,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, VA, Jumbo | 7 | 7.4% | 87.5% | $749,285 | |
Guaranteed Rate, Inc.
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Conventional, VA, Jumbo | 6 | 6.3% | 100% | $756,666 | |
United Wholesale Mortgage
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Conventional, VA, Jumbo, HELOC | 4 +1 HELOCs |
4.2% | 100% | $1,105,000 | |
CrossCountry Mortgage, LLC
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Conventional | 4 | 4.2% | 100% | $605,000 | |
Movement Mortgage, LLC
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Conventional, Jumbo | 2 | 2.1% | 100% | $825,000 | |
Deephaven Mortgage LLC
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Conventional, Jumbo | 2 | 2.1% | 100% | $930,000 | |
Union Home Mortgage Corp.
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Conventional, Jumbo | 2 | 2.1% | 100% | $1,190,000 | |
Primelending
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Conventional | 1 | 1.1% | 100% | $685,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 1.1% | 100% | $845,000 | View |
Everett Financial, Inc.
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Conventional | 1 | 1.1% | 100% | $765,000 | |
Newrez LLC
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VA, Jumbo | 1 | 1.1% | 100% | $1,455,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 1.1% | 100% | $305,000 | |
Altitude Financial Corporation
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Conventional | 1 | 1.1% | 100% | $575,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.1% | 100% | $205,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,315,000 | View |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 1.1% | 100% | $675,000 | |
The Loan Store, Inc
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Conventional | 1 | 1.1% | 100% | $585,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,055,000 | View |
Spring Eq, LLC
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Conventional | 1 | 1.1% | 50% | $105,000 | |
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.02% |
HELOC | 0 +1 HELOCs |
0% | 100% | View | |
Quorum Federal 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 | ||
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Gte 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 |
Pismo Beach 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 Pismo Beach, California
Looking for mortgage lenders near me or mortgage brokers near me in Pismo Beach? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Pismo Beach in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Pismo Beach, CA
Use these to narrow the list above. Each category shows how many Pismo Beach, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Pismo Beach, CA
Independent mortgage companies closed 70.5 percent of home loans in Pismo Beach, California in 2025, banks 24.2 percent and credit unions 5.3 percent. Change Lending was the largest mortgage company, Murphy Bank the largest bank and Educational Employees Credit Union the largest credit union. Among lenders headquartered in California, Murphy Bank led with 4 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 Pismo Beach, CA
By home loans closed in 2025, Murphy Bank was the largest mortgage lender in Pismo Beach, California with 4 loans, about 4.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
1 lenders closed FHA loans in Pismo Beach, California in 2025, led by Carrington Mortgage Services LLC with 1. 6 lenders closed VA loans, led by Pennymac Loan Services LLC. 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. 19 banks and 12 credit unions closed home loans in Pismo Beach, California in 2025, alongside 37 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 Pismo Beach, 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 Pismo Beach, 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 Pismo Beach. 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.
