{
  "canonical_url": "https://lendb.ai/in/california/san-luis-obispo-county/conventional-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 153 funded conventional home loans in San Luis Obispo County, CA in 2025, 2,713 loans in all, per HMDA, FFIEC/CFPB data. The most active were Guaranteed Rate (Rate) (363), United Wholesale Mortgage (362) and Rocket Mortgage (227). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near San Luis Obispo County are linked below.",
  "county": {
    "fips": "06079",
    "name": "San Luis Obispo County",
    "state": "CA"
  },
  "loan_type": "conventional",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 153,
    "lenders_10": 41,
    "loans": 2713,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 2611,
      "name": "Guaranteed Rate (Rate)",
      "slug": "guaranteed-rate-2611",
      "canonical_url": "https://lendb.ai/lender/guaranteed-rate-2611",
      "loans": 363,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3038,
      "name": "United Wholesale Mortgage (broker finder)",
      "slug": "united-wholesale-mortgage-3038",
      "canonical_url": "https://lendb.ai/lender/united-wholesale-mortgage-3038",
      "loans": 362,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 227,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 251821,
      "name": "Coastal Funding SLC, Inc.",
      "slug": "coastal-funding-slc-inc-251821",
      "canonical_url": "https://lendb.ai/lender/coastal-funding-slc-inc-251821",
      "loans": 165,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 174457,
      "name": "loanDepot",
      "slug": "loandepot-174457",
      "canonical_url": "https://lendb.ai/lender/loandepot-174457",
      "loans": 144,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3029,
      "name": "CrossCountry Mortgage",
      "slug": "crosscountry-mortgage-3029",
      "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
      "loans": 102,
      "includes_brokered": false,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 2080420,
            "full_name": "Jeff Meyers",
            "canonical_url": "https://lendb.ai/lo/jeff-meyers-2080420",
            "branch_city": "San Luis Obispo",
            "branch_state": "CA"
          },
          {
            "nmls_id": 373607,
            "full_name": "Ken Neate",
            "canonical_url": "https://lendb.ai/lo/ken-neate-373607",
            "branch_city": "Paso Robles",
            "branch_state": "CA"
          }
        ]
      }
    },
    {
      "nmls_id": 35953,
      "name": "Pennymac",
      "slug": "pennymac-35953",
      "canonical_url": "https://lendb.ai/lender/pennymac-35953",
      "loans": 95,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3925,
      "name": "Kind Lending, LLC",
      "slug": "kind-lending-3925",
      "canonical_url": "https://lendb.ai/lender/kind-lending-3925",
      "loans": 78,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 399798,
      "name": "JPMorgan Chase Bank (Chase Home Lending)",
      "slug": "chase-399798",
      "canonical_url": "https://lendb.ai/lender/chase-399798",
      "loans": 67,
      "includes_brokered": false,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 1547403,
            "full_name": "Michael McAvoy",
            "canonical_url": "https://lendb.ai/lo/michael-mcavoy-1547403",
            "branch_city": "Morro Bay",
            "branch_state": "CA"
          },
          {
            "nmls_id": 693333,
            "full_name": "Garet Pyle",
            "canonical_url": "https://lendb.ai/lo/garet-pyle-693333",
            "branch_city": "Paso Robles",
            "branch_state": "CA"
          }
        ]
      }
    },
    {
      "nmls_id": 6666,
      "name": "Envoy Mortgage",
      "slug": "envoy-mortgage-6666",
      "canonical_url": "https://lendb.ai/lender/envoy-mortgage-6666",
      "loans": 58,
      "includes_brokered": false,
      "loan_officers": {
        "total": 3,
        "people": [
          {
            "nmls_id": 1494541,
            "full_name": "Juan Ramirez",
            "canonical_url": "https://lendb.ai/lo/juan-ramirez-1494541",
            "branch_city": "Arroyo Grande",
            "branch_state": "CA"
          },
          {
            "nmls_id": 633240,
            "full_name": "Eddie San Jose",
            "canonical_url": "https://lendb.ai/lo/eddie-san-jose-633240",
            "branch_city": "Morro Bay",
            "branch_state": "CA"
          },
          {
            "nmls_id": 229186,
            "full_name": "Steve Dinielli",
            "canonical_url": "https://lendb.ai/lo/stephen-dinielli-229186",
            "branch_city": "Morro Bay",
            "branch_state": "CA"
          }
        ]
      }
    }
  ],
  "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans."
}