Lowest closing cost mortgage lenders in San Luis Obispo County County, California
In San Luis Obispo County, California, homebuyers paid a median of $6,881 in closing costs in 2024 — below the California median of $9,450. The county saw 1,664 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, SESLOC offered the lowest median costs at $4,592, which is $1,653 less than the county median.
Homebuyers in San Luis Obispo County County who chose SESLOC paid $2,289 less in closing costs than the county median.
County Median Costs
$6,881
−27.2% vs California ($9,450)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$2,495
Purchase Originations
1,664
vs California Median
27.2% below
$-2,569
vs National Median
2.1% above
$140
Lender rankings in San Luis Obispo County County
24 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,592 | 6.750% | $675 | 31 | −$1,653 | |
| 2 | $5,056 | 6.875% | $1,995 | 64 | −$1,189 | |
| 3 | $5,113 | 6.875% | $1,050 | 11 | −$1,132 | |
| 4 | $5,186 | 6.500% | $1,391 | 23 | −$1,059 | |
| 5 | $5,387 | 6.625% | $1,782 | 27 | −$858 | |
| 6 | $5,421 | 6.500% | $1,265 | 13 | −$824 | |
| 7 | $5,473 | 6.990% | $2,064 | 53 | −$772 | |
| 8 | $5,654 | 6.875% | $1,640 | 203 | −$591 | |
| 9 | $5,751 | 6.625% | $1,690 | 10 | −$494 | |
| 10 | $5,813 | 6.625% | $1,890 | 55 | −$432 | |
| 11 | $5,831 | 7.000% | $2,100 | 26 | −$414 | |
| 12 | $5,984 | 7.000% | $2,430 | 35 | −$261 | |
| 13 | $6,023 | 6.999% | $2,860 | 27 | −$222 | |
| 14 | $6,048 | 6.625% | $2,570 | 35 | −$197 | |
| 15 | $6,208 | 6.625% | $1,890 | 65 | −$37 | |
| 16 | $6,492 | 7.000% | $3,230 | 120 | +$247 | |
| 17 | $7,678 | 6.000% | $2,328 | 10 | +$1,433 | |
| 18 | $7,710 | 6.625% | $4,760 | 25 | +$1,465 | |
| 19 | $7,855 | 6.875% | $4,663 | 33 | +$1,610 | |
| 20 | $8,014 | 6.625% | $4,012 | 176 | +$1,769 | |
| 21 | $8,322 | 6.808% | $4,654 | 34 | +$2,077 | |
| 22 | $9,981 | 6.500% | $5,959 | 13 | +$3,736 | |
| 23 | $12,159 | 6.500% | $8,406 | 15 | +$5,914 | |
| 24 | $13,814 | 6.625% | $9,675 | 27 | +$7,568 |
Includes lenders with 10+ purchase originations in San Luis Obispo County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in California → Lender Directory
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HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.