County · CA
Multifamily lenders in San Luis Obispo County, CA
12 lenders made 44 multifamily loans in San Luis Obispo County, CA in 2024 and 2025, $206.9M in all. JPMorgan Chase Bank, National Association made the most, with 20. The typical loan was about $1.8M. The county is part of the San Luis Obispo, CA metro area.
- Evidence
- Multifamily loans placed in the county, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Lenders on record
- 12
- HMDA,
- Multifamily loans, 2024-25
- 44
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $207M
- HMDA,
- Typical loan
- $1.8M
- HMDA,
Cite this
Source: The Lender Report, Multifamily lenders in San Luis Obispo County, CA, https://lender.report/lenders-in/california/san-luis-obispo-county/, data as of December 31, 2025.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan |
|---|---|---|---|---|---|---|---|
| JPMorgan Chase Bank, National Association multifamily record | Bank | Columbus, OH | 20 | $103M | 13 | 7 | $1.8M |
| American Riviera Bank multifamily record | Bank | Santa Barbara, CA | 4 | $11.1M | 3 | 1 | $3.5M |
| Sesloc Credit Union multifamily record | Credit union | San Luis Obispo, CA | 4 | $5.70M | 3 | 1 | $1.6M |
| Coasthills Credit Union multifamily record | Credit union | Santa Maria, CA | 3 | $5.90M | 2 | 1 | $2.3M |
| Banner Bank multifamily record | Bank | Walla Walla, WA | 2 | $31.0M | 0 | 2 | $19M |
| City National Bank multifamily record | Bank | Los Angeles, CA | 1 | $27.0M | 1 | 0 | $27M |
| Citizens Bank, National Association multifamily record | Bank | Providence, RI | 1 | $8.00M | 1 | 0 | $8M |
| Greystone Servicing Corporation, Inc. multifamily record | Non-bank | Memphis, TN | 1 | $5.50M | 0 | 1 | $5.5M |
| Citizens Business Bank, National Association multifamily record | Bank | Ontario, CA | 1 | $3.10M | 1 | 0 | $3.1M |
| MidFirst Bank multifamily record | Savings | Oklahoma City, OK | 1 | $1.90M | 1 | 0 | $1.9M |
| Insignia Capital Corp. multifamily record | Non-bank | Beverly Hills, CA | 1 | $1.80M | 1 | 0 | $1.8M |
| Lendsure Mortgage Corp. multifamily record | Non-bank | San Diego, CA | 1 | $820K | 1 | 0 | $820K |
| Loan size | Loans | Lenders |
|---|---|---|
| Under $1M | 7 | 4 |
| $1M to $2.5M | 22 | 5 |
| $2.5M to $5M | 7 | 4 |
| $5M to $10M | 3 | 3 |
| $10M or more | 5 | 3 |
- Lenders made 44 multifamily loans totaling $206.9M in San Luis Obispo County, CA in 2024 and 2025. HMDA,
- 4 of these loans were made by lenders that have since merged or closed. They are counted in the totals here and appear in no lender's row. HMDA,
- 27 of the loans were made in 2025 and 17 in 2024. HMDA,
- The typical loan in San Luis Obispo County, CA was about $1.8M, with the middle half between $1.2M and $4.1M. HMDA,
- 7 of the loans were under $1M, and 8 were $5M or more. HMDA,
- Lenders reported a median rate of 6.14% on 39 loans in San Luis Obispo County, CA, with the middle half between 5.95% and 6.75%. HMDA,
- The median term was 15 years. HMDA,
- The median loan to value was 60%. HMDA,
- 45% of the loans were refinancings and 55% were purchases. HMDA,
- Banks and savings institutions made 30 of the loans, credit unions 7, and non-banks 3. HMDA,
- The five most active lenders made 75.0% of the loans. HMDA,
- The three most active lenders were JPMorgan Chase Bank, National Association with 20, American Riviera Bank with 4, and Sesloc Credit Union with 4. HMDA,
- 7 of the 12 lenders are based in California. The rest are based elsewhere, most often in Ohio, Oklahoma and Rhode Island. HMDA,
- The most common property size was 5 to 24 units, with 34 loans. HMDA,
- San Luis Obispo County, CA is part of the San Luis Obispo-Paso Robles, CA metro area, which has its own page. OMB metro list,
How this list is defined
- Measure
- Multifamily loans made in San Luis Obispo County, CA
- Period
- 2024 and 2025
- Formula
- Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the county, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans in the county.
- Order
- Largest first by loans recorded in the place, then dollars, then name. Payment is not part of the order.
- As of
- 2025
- Source
- HMDA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new loans today.
- What they charge or require beyond the rate and term that HMDA reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
A metro area or county is named for a year only when the public file holds 5 or more multifamily loans there that year, so a small place is never exposed by a count.
SBA loans are on record by state only, so this page has no SBA figures for the county. The state pages carry them.
HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date.
Lenders that merged or stopped filing are left out.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.