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Pacific Trust Mortgage was founded in San Luis Obispo, CA in 2002.  We solidified our reputation as the lender that exceeds expectations by refining the mortgage process utilizing today’s technology yet maintaining high levels of personal service.   Our correspondent lending model offers business partners and clients two distinct advantages:

  • A diversity of products from multiple investors resulting in strong rates and pricing.
  • The ability to control the process from pre-approval to funding, ensuring a punctual contingency removal and close of escrow.

Our reputation, commitment to service, integrity, and follow-through are at the core of our business.


Stacia was amazing to work with! She is responsive, an excellent communicator as she kept us and our clients updated throughout the entire process. Stacia had the loan completed prior to our contingency periods. Every transaction with Stacia has been a breeze, we look forward to working with her again…Read More

Rating: 5

I wanted to take this opportunity to thank Chris Orsini at Pacific Trust Mortgage.  Chris made the loan process move quickly and smoothly.  We are so excited to be in our new place!  Thanks Chris!

Rating: 5

Darryl Stolz (senior loan officer) went way over the top for my Sons first home purchase.  It was a particularly difficult property to work thru.  There were four of us on the title to make it work.  Darryl held our hand and got us over every hump.  He is courteous,…Read More

Ed Williams
Rating: 5

Working with Brittany has been the perfect combination for our business for the last 5 years and continues to grow strong.  She is very personable, an expert in her field, her customer skills are excellent and she is a necessary asset to anyone's business whether it be to a first…Read More

Patrick A. Rodriguez, Realtor
Rating: 5

Oliver and his team at Pacific Trust and Mortgage were incredibly helpful in our purchase of a second home in the Los Angeles area. They were efficient and moved the process along at a really great pace. Thank you so much for making this easy for us.

Missy Reitner-Cameron
Rating: 5

I have worked with Oliver in several transactions. Oliver is professional and an expert at insuring everything goes smoothly and efficiently. I would highly recommend Pacific Trust Mortgage.

Holly Luban
Rating: 5

This company can get things done right. They are professional and easy to work with. Chris is great and always makes sure we close escrow quick by making the loan process simple.

Brad and Wendy Kreller
Rating: 5

Great company, good rates and bend over backwards to help process the loan. Chris is very knowledgeable and experienced. I always use this company to process my loans.

Patrick B.
Rating: 5

As a first time homebuyer, the guidance and expertise I received from Chris and Pacific Trust Mortgage was instrumental in helping me navigate the process and getting a great loan.  Will definitely use Chris to buy my next home.

Michael T.
Rating: 5

I am a Realtor here in San Luis Obispo and have worked with Chris Orsini many times now.  He has always gone above and beyond for me and my clients.  He is honest, professional, walks my clients through the process patiently, and communicates well with me, which is huge in…Read More

Dawn G.
Rating: 5

Chris is the best in the business.  He leads a great team at Pacific Trust Mortgage who has done my family's financing for years and will continue to do so indefinitely into the future.  Chris is very detail oriented and has a command of the market dynamics.  We were really…Read More

Michael D.
Rating: 5

Chris Orsini helped my husband and I get pre-approved for our mortgage so when the right house came on the market in San Luis Obispo, we we’re ready to put in our offer. And we did just that! We cannot say enough about his knowledge, dependability, and honestly, just overall…Read More

Sabrina Griswold
Rating: 5

We were so lucky to have found Darryl Stolz & Pacific Trust Mortgage! He was incredibly knowledgeable and helpful through every step of purchasing our first home. He helped us feel informed and confident throughout, and we would highly recommend him to anyone (in fact - he also helped our…Read More

Kristina Horton
Rating: 5

Chris Orsini did an amazing job getting us approved to allow us to find our dream home! He was professional, knowledgeable and was very thorough. Chris made the financial side of home buying way less scary. Highly recommend him!

Teah Kerr
Rating: 5

Pacific Trust Mortgage helped our family buy the home of our dreams at this stage in our life!!! We could not have completed the "challenging" transaction without the team at Pacific Trust Mortgage. Darryl Stolz guided us through the process and communicated with us very clearly. He was even available…Read More

Steve Jackson
Rating: 5

My wife and I met Darryl Stolz over five years ago. We were first time home buyers, and we were referred to him by some good friends. We didn't know a whole lot about the buying process, and Darryl was always available, whether we needed to email back and forth…Read More

Joel Klassen Klassen
Rating: 5

I've worked with Stacia Finley on both a refinance and a new mortgage. She is the consummate professional. She has a vast knowledge of financial instruments, both mortgages and otherwise, and shares that information so that her clients make the best possible decisions for their overall financial well-being. She has…Read More

Jennifer Tourkin
Rating: 5

Stacia Finley is always very helpful in all processes from start to finish as well as with any follow-up. Our recent experience with Stacia and Pacific Trust Mortgage to refinance our variable-rate mortgage into a fixed-rate mortgage was smooth and simple (as simple as such can be), and Stacia was…Read More

Dan Robba
Rating: 5

Thank you Chris Orsini and the team at Pacific Trust Mortgage for making my home buying dreams come true!  Chris helped get me pre-approved for a mortgage so that when I found the house I wanted I was ready to submit an offer immediately.  Since this was my first home…Read More

Rick Griswold
Rating: 5

We have used Chris Orsini and Pacific Trust Mortgage for over 10 years. Pacific Trust Mortgage financed our family’s first home in 2003, and they continue to be our lender today. We’ve not only used them for our own financing, but we’ve also referred our friends, family and real estate…Read More

David & Jennifer
Rating: 5
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