What loan types does Sesloc offer?

Sesloc offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Sesloc offer mortgages?

Sesloc offers mortgages in 1 states: CA.

How competitive are Sesloc's mortgage rates?

Sesloc has an overall pricing score of 52/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Sesloc?

Sesloc is a Credit Union headquartered in San Luis Obispo, CA.

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Sesloc

Credit Union•San Luis Obispo, CAHQ•Direct•Reviews near you on Google

Sesloc has 62 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Sound

3/5

Conventional

Place

Exceptional

5/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Sesloc performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 5.1 bps below market avg

3/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

57 loans · 0.02% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

39 loans · 0.02% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

23 loans · 0.14% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 1 markets

Exceptional

Top 20% of lenders

5/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Sound	57	91.9%	-0.019%Below	$864Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume57

Mix91.9%

Spread

-0.019%Below

Fees

$864Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Sound	Sound	39	62.9%	-0.017%Below	$465Fees
Refinance	Sound	Sound	—	Sound	23	37.1%	-0.140%Below	$1,481Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Sound

Volume39

Mix62.9%

Spread

-0.017%Below

Fees

$465Fees

Refinance

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume23

Mix37.1%

Spread

-0.140%Below

Fees

$1,481Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

109

Volume

$31 million

Pricing & Closing

Avg Rate Spread

-0.051%

vs. market APOR

Avg Net Fees

$750

Origination − Credits

Pullthrough Rate

56.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$514,194

Avg Borrower Income

$211,613

Avg Property Value

$923,871

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

< 5050+None

West1

Top Metro Areas by Place Specialization Score

San Luis Obispo, CAMetro

Volume 52Mix 83.87% of portfolio

81/100

Exceptional

Top States by Place Specialization Score

CaliforniaState

Volume 62Mix 100.00% of portfolio

61/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.