Banking Services

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American Riviera Bank
Address: 1085 Higuera Street Suite 110

American Riviera Bank opened for business on July 18, 2006 in Santa Barbara, California with the support of approximately 400 local shareholders. The Bank is a full service community bank, focused on serving the lending and deposit needs of businesses and consumers in our community. The Bank has five full-service branches, located downtown in Santa Barbara, the upper village of Montecito, near the Calle Real Shopping Center in Goleta, in downtown San Luis Obispo and downtown Paso Robles. In addition, the Bank has Residential Lending and Commercial Lending offices in Downtown Santa Barbara, and a Loan Production Office in San Luis Obispo.

As a state-chartered non-member bank, the Bank is subject to regulation by the California Department of Business Oversight (the “DBO”), and the Federal Deposit Insurance Corporation (the “FDIC”). The Bank’s deposits are insured by the FDIC up to applicable legal limits.

Phone: (805) 540-6230
Arroyo View Financial Incorporated
Address: 860 Pacific Street Suite 103

Contact us directly and let us know how we can help you in your home buying or refinance process.

Phone: (805) 783-1010
Bank of the Sierra
Address: 500 Marsh Street

Since its founding in 1977, Bank of the Sierra has grown to become the largest independent bank in California’s southern San Joaquin Valley, with over $2 billion in assets. With full-service branches across the region, we provide a wide range of retail and commercial banking services to the communities of the South Central Valley, the Central Coast, and select Southern California locations including Ventura County and the Santa Clara Valley. Offering more than just financial services, Bank of the Sierra is committed to providing the benefits of local banking with a focus on improving the communities we serve.

Phone: (805) 541-0400
Coast Hills Federal Credit Union
Address: 751 Marsh Street Suite 100

Established in 1958 to serve the needs of military personnel at Vandenberg Air Force Base, we now proudly serve the entire Central Coast region.

Who can join CoastHills? It’s simple. We’re the credit union for anyone who lives, works, worships or attends school in the entire California Central Coast, from Santa Cruz County through Ventura County.

Phone: (805) 733-7604
Guaranteed Rate Inc.
Address: 1065 Higuera Street Suite 100

Purchasing a home is a big deal, whether it’s your first home or fifth move. We get it. That’s why we built a mortgage company that places you and your needs at the center of everything we do.

Our Promise
Low, low rates and the ultimate in technology, service and advice. Our founder, Victor Ciardelli, designed Guaranteed Rate’s revolutionary, market-disrupting model to do just that:

Give you a low, low rate on the right mortgage product, along with transparent, fair fees.
Leverage cutting-edge technology to streamline the mortgage process and simplify every step.
Provide unmatched service and expert advice to help you find the perfect mortgage.

Phone: (805) 335-8743
Pacific Premier Bank
Address: 1144 Morro Street

At Pacific Premier, it’s not business as usual. We work hard every day to set ourselves apart, and our dedication to our clients is standard operating procedure. We also take pride in the communities where we work, do business, and live including Los Angeles, Orange, Riverside, San Bernardino, San Diego, Santa Barbara, San Luis Obispo, Arizona, Nevada, and Washington. We partner with community based organizations and other stakeholders to strengthen our communities and foster growth.

Founded in 1983, Pacific Premier Bank® is headquartered in Irvine, California, serving businesses and individuals throughout the United States. With approximately $20.5 billion in total assets1, we’re one of the strongest-performing, diversified, and fastest-growing banks in the nation. Our commitment to providing unparalleled client service, supporting the businesses and individuals in the communities we serve, and enhancing shareholder value drives everything we do.

We offer a full array of deposit and loan products and services for commercial businesses, nonprofit organizations, and consumers. We specialize in servicing small and middle-market businesses and professionals who need a broad range of loan, deposit, and treasury management products.

Phone: (805) 762-4734
Pacific Western Bank
Address: 1001 Marsh Street

We’re more than a bank; we’re an advocate for every client’s vision. By investing in people, we grow more than money. We build the kind of deeply invested relationships that put the power of people in a world of numbers.

Phone: (805) 541-9200
Primary Residential Mortgage Inc.
Address: 1042 Pacific Street Suite F

At Primary Residential Mortgage San Luis Obispo, we’re dedicated to ensuring that each customer has a great experience. Our local home loan originators have decades of combined experience in the mortgage industry and can help you with a variety of needs, from helping you find the right mortgage based on your financial factors to closing things out and getting you in the perfect home for you and your family.

Looking for local expertise that’s backed by the power of a nationwide mortgage company? You’ve come to the right place. Our staff has the benefit of being backed by one of the largest mortgage companies in the nation, but they also provide important local knowledge that can help you avoid issues other companies won’t be aware of until it’s too late. We make the mortgage process as simple and convenient as possible. Contact us today to find out more about what we can do for you.

Phone: (805) 546-0290
Secured Capital Financial
Address: 531 Marsh Street Suite A

Secured Capital Financial and its subsidiary Second Chance Finance was established in downtown San Luis Obispo, CA in 1997. We are a full service mortgage brokerage qualified to arrange any type of loan involving real estate.

We quickly realized that borrowers that had a problem with income, credit and/or the subject property had unique situations. Our “can-do” attitude reflects our perseverance in finding the right financing for the particular needs of the borrower. Therefore, we specialize in helping those who have had a problem obtaining financing.

That doesn’t mean that all of our borrowers have problems. We have access to institutional lenders with very competitive rates and many have welcomed our expertise in obtaining the best loan available for them.

We pride ourselves with our customer service and work as a team on each loan. Staying in contact and keeping our clients informed every step of the way is how we operate. There are no up-front fees and also no false promises. Working side-by-side with our borrowers to help them obtain the financing they desire is something we really enjoy.

When you communicate with us you will experience personalized and friendly service in a very casual and down-to-earth atmosphere. Discussing your loan needs, answering questions and explaining the financing process is what we do. Via the telephone, email or in our office, we welcome all inquiries.

Phone: (805) 594-1050
SLO Broker
Address: 1009 Morro Street Suite 206

Real Estate Agent

Phone: (805) 452-1413
SLO Credit Union
Address: 1220 Osos Street

In 1953, four local but separate credit unions came together to form the Credit Union Center, becoming the only one of its kind in the country. Separately, each one struggled to maintain office hours and operating staff. Today, these four have merged into one strong entity known simply as the SLO Credit Union. That early spirit of cooperation is our core guiding principle, providing lower loan rates, higher dividends, and friendly, efficient service to our membership. This is your credit union. We take pride in getting to know you, so we can give all our members exceptional service with a warm and personal touch.

Phone: (805) 543-5839
Sunrise Mortgage & Investment Company
Address: 1065 Higuera Street Suite 200

At Sunrise Mortgage, relationships drive everything we do – from who we hire to the clients we represent and the vast network of lenders we’ve established. We are a full service mortgage banking firm, originating and servicing commercial real estate loans nationwide through our extensive institutional lender network. Sunrise delivers tailor-made capital solutions to achieve investment strategies. From originating, closing, to servicing we have a dedicated and collaborative team assembled to ensure the certainty of execution and personal touch throughout the life of the loan.

Phone: (805) 781-6160
Wells Fargo Bank
Address: 665 Marsh Street

Wells Fargo & Company is a diversified, community-based financial services company with $2.0 trillion in assets. We provide banking, investments, mortgage, and consumer and commercial finance through more than 8,300 locations, 13,000 ATMs, the internet and mobile banking, and have offices in 42 countries and territories. With approximately 263,000 team members, we serve one in three households in the U.S.

Phone: (805) 541-4212