Mortgage lenders in Santa Barbara County
5,402 mortgages were made in Santa Barbara County, California, in 2025, by 406 lenders. The median rate their borrowers got was 6.750% on a median loan of $505,000. Of 7,379 decisions, 1,608 were denials — 21.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 510 | 6.375% | $550,000 | 16.7% |
| Rocket Mortgage, LLC | 283 | 6.875% | $375,000 | 19.7% |
| GUARANTEED RATE, INC. | 250 | 6.625% | $695,000 | 7.2% |
| Loandepot.Com, LLC | 191 | 6.625% | $415,000 | 16.6% |
| U.S. Bank National Association | 152 | 6.970% | $475,000 | 45.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 139 | 6.875% | $615,000 | 3.4% |
| JPMorgan Chase Bank, National Association | 122 | 6.250% | $685,000 | 9.5% |
| Bank of America, National Association | 119 | 5.990% | $290,000 | 39.5% |
| OriginPoint, LLC | 111 | 6.750% | $885,000 | 5.9% |
| KIND LENDING, LLC | 104 | 6.625% | $420,000 | 21.7% |
| MOVEMENT MORTGAGE, LLC | 96 | 6.750% | $685,000 | 5.1% |
| GUILD MORTGAGE COMPANY | 88 | 6.500% | $435,000 | 2.1% |
| CMG MORTGAGE, INC. | 86 | 6.625% | $715,000 | 6.6% |
| SESLOC | 78 | 7.500% | $155,000 | 36.3% |
| PENNYMAC LOAN SERVICES, LLC | 74 | 6.562% | $520,000 | 15.0% |
| COASTHILLS CREDIT UNION | 74 | 7.250% | $140,000 | 11.5% |
| SPRING EQ, LLC | 72 | 8.513% | $130,000 | 59.0% |
| Montecito Bank & Trust | 63 | Not published | $325,000 | 26.9% |
| Wells Fargo Bank, National Association | 60 | 5.750% | $1,040,000 | 23.1% |
| FINANCE OF AMERICA REVERSE LLC | 60 | 9.402% | $745,000 | 7.7% |
| NEWREZ LLC | 54 | 6.688% | $490,000 | 37.5% |
| COASTAL FUNDING SLC, INC. | 54 | 6.625% | $515,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 53 | 5.875% | $575,000 | 16.2% |
| THE GOLDEN 1 | 53 | 7.750% | $270,000 | 42.0% |
| Prosperity Home Mortgage, LLC | 52 | 6.625% | $880,000 | 10.2% |
| FIGURE LENDING LLC | 51 | 8.800% | $85,000 | 24.7% |
| THE LOAN STORE, INC. | 50 | 6.688% | $550,000 | 13.5% |
| KEYPOINT Credit Union | 50 | 6.490% | $205,000 | 18.0% |
| CORNERSTONE CAPITAL BANK, SSB | 47 | 6.625% | $545,000 | 0.0% |
| MidFirst Bank | 44 | 6.438% | $990,000 | 4.3% |
| Navy Federal Credit Union | 42 | 7.750% | $240,000 | 26.7% |
| Morgan Stanley Private Bank, National Association | 42 | 5.813% | $1,455,000 | 6.7% |
| Third Federal Savings and Loan Association of Cleveland | 41 | 6.990% | $205,000 | 19.6% |
| Kiavi Funding, Inc. | 41 | 10.450% | $735,000 | 2.3% |
| BMO Bank National Association | 40 | 8.430% | $450,000 | 28.8% |
| GOLDEN EMPIRE MORTGAGE, INC. | 37 | 6.125% | $515,000 | 14.0% |
| CLEAREDGE LENDING LLC | 36 | 7.188% | $655,000 | 16.3% |
| Charles Schwab Bank, SSB | 36 | 5.500% | $1,185,000 | 5.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 35 | 7.250% | $605,000 | 25.5% |
| Coastal Community Bank | 34 | 9.990% | $95,000 | 4.7% |
| NATIONSTAR MORTGAGE LLC | 33 | 8.375% | $155,000 | 29.8% |
| Citibank, National Association | 33 | 5.875% | $1,475,000 | 14.6% |
| KINECTA | 32 | 6.740% | $270,000 | 8.3% |
| 549300U4NMMQ8OEM3D10 | 32 | Not published | $210,000 | 5.4% |
| OCMBC, INC. | 31 | 7.250% | $375,000 | 9.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 31 | 7.499% | $455,000 | 18.4% |
| Citadel Servicing Corporation | 31 | 7.250% | $755,000 | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 31 | 6.375% | $575,000 | 8.1% |
| ORANGE COUNTY'S CREDIT UNION | 30 | 6.125% | $575,000 | 3.2% |
| QUORUM FEDERAL CREDIT UNION | 28 | 8.750% | $185,000 | 34.8% |
| ALLIANT CREDIT UNION | 28 | 7.750% | $190,000 | 30.0% |
| Santa Barbara Teachers Federal Credit Union | 27 | Not published | $155,000 | 6.3% |
| Mechanics Bank | 26 | 7.063% | $290,000 | 39.5% |
| Broker Solutions, Inc. | 25 | 6.625% | $475,000 | 16.1% |
| Commerce Home Mortgage, Inc. | 25 | 8.125% | $955,000 | 10.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 25 | 9.590% | $205,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 24 | 8.710% | $200,000 | 44.4% |
| Mortgage Research Center, LLC | 24 | 5.990% | $645,000 | 49.0% |
| LEADERONE FINANCIAL CORPORATION | 22 | 5.990% | $495,000 | 24.1% |
| NEXERA HOLDING LLC | 22 | 7.125% | $645,000 | 26.7% |
| V.I.P. MORTGAGE, INC. | 22 | 6.313% | $410,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 21 | 7.290% | $135,000 | 27.6% |
| Sierra Pacific Mortgage Company, Inc. | 21 | 6.625% | $525,000 | 8.7% |
| CHAMPIONS FUNDING, LLC | 20 | 7.563% | $490,000 | 39.4% |
| UBS Bank USA | 20 | 5.750% | $1,855,000 | 9.1% |
| SCHOOLSFIRST | 20 | 5.563% | $190,000 | 4.8% |
| PENTAGON FEDERAL CREDIT UNION | 19 | 7.625% | $305,000 | 36.4% |
| Paramount Residential Mortgage Group, Inc. | 19 | 6.250% | $595,000 | 0.0% |
| Greenbox Loans, Inc. | 19 | 8.500% | $905,000 | 0.0% |
| City National Bank | 18 | 5.710% | $2,075,000 | 18.2% |
| Hometown Equity Mortgage, LLC | 17 | 7.250% | $605,000 | 51.4% |
| PNC Bank, National Association | 17 | 7.940% | $480,000 | 39.3% |
| Murphy Bank | 17 | 7.700% | $255,000 | 17.9% |
| LONGBRIDGE FINANCIAL, LLC | 17 | 8.990% | $575,000 | 5.3% |
| Easy Street Capital, LLC | 17 | 10.000% | $2,235,000 | 0.0% |
| A&D Mortgage LLC | 16 | 6.375% | $590,000 | 52.9% |
| American Riviera Bank | 16 | Not published | $860,000 | 20.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 16 | 7.688% | $280,000 | 0.0% |
| JMAC LENDING, INC. | 16 | 6.813% | $640,000 | 5.9% |
| 21st Mortgage Corporation | 15 | 10.250% | $165,000 | 51.6% |
| SUN WEST MORTGAGE COMPANY, INC. | 14 | 6.158% | $620,000 | 25.8% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 14 | 6.433% | $585,000 | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 14 | 8.063% | $700,000 | 44.0% |
| AAA CAPITAL INVESTMENT, INC. | 14 | 7.625% | $405,000 | 4.2% |
| AMWEST FUNDING CORP. | 14 | 7.625% | $380,000 | 12.5% |
| LENDSURE MORTGAGE CORP. | 14 | 7.625% | $860,000 | 0.0% |
| Lendage, LLC | 14 | 10.500% | $95,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 13 | 8.750% | $305,000 | 43.5% |
| First Bank | 12 | 8.375% | $255,000 | 43.5% |
| RESICENTRAL, LLC | 12 | 6.490% | $550,000 | 7.1% |
| PLAZA HOME MORTGAGE, INC. | 11 | 7.875% | $455,000 | 38.9% |
| HOMEXPRESS MORTGAGE CORP. | 11 | 7.125% | $875,000 | 38.9% |
| ENVOY MORTGAGE, LTD | 11 | 6.875% | $405,000 | 0.0% |
| NexBank | 11 | 6.000% | $915,000 | 0.0% |
| CAKE MORTGAGE CORP. | 10 | 7.375% | $535,000 | 16.7% |
| CONVENTUS LLC | 10 | 8.490% | $600,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 9 | Under 10 loans | Under 10 loans | 69.1% |
| Comerica Bank | 9 | Under 10 loans | Under 10 loans | 47.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 40.0% |
| NQM FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| VAL-CHRIS INVESTMENTS, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 8 | Under 10 loans | Under 10 loans | 79.5% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 51.8% |
| AMERICAN HERITAGE LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 28.6% |
| WESCOM CENTRAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 18.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| ROYAL PACIFIC FUNDING CORP. | 8 | Under 10 loans | Under 10 loans | 16.7% |
| Axos Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| FRANKLIN LOAN CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Goldman Sachs Bank USA | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 76.9% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PLANET HOME LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| GENWAY HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERITRUST MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| FlexPoint, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Umpqua Bank | 6 | Under 10 loans | Under 10 loans | 53.8% |
| OAKTREE FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GENEVA FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| DIGNIFIED HOME LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LANTZMAN MANAGEMENT, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 67.7% |
| Truist Bank | 5 | Under 10 loans | Under 10 loans | 50.0% |
| ALAMEDA MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CBC Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AUGUSTA FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Farmers and Merchants Bank of Long Beach | 5 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 33.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Bethpage Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| SOUTH RIVER MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 4 | Under 10 loans | Under 10 loans | 44.4% |
| VISTA POINT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Financial Partners Credit Union | 4 | Under 10 loans | Under 10 loans | 16.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| First-Citizens Bank & Trust Company | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Royal Business Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| STAR ONE Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 62.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HIGHTECHLENDING INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Logan Finance Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOGIX FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Patelco Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SmartFi Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Arixa Enhanced Income Fund, L.P. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Utah Mortgage Loan Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| F&A Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL COAST LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 57.1% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LADERA LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NuVision Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AHL FUNDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fremont Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VENTURA COUNTY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 549300MPZDD9EFQ1E963 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 25.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 206 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Santa Barbara County
87 FDIC-insured branches from 20 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Montecito Bank & Trust | 12 | $1.5 billion |
| Mechanics Bank | 12 | $1.1 billion |
| U.S. Bank National Association | 11 | $1.6 billion |
| JPMorgan Chase Bank, National Association | 9 | $2.6 billion |
| Wells Fargo Bank, National Association | 9 | $2.2 billion |
| Bank of America, National Association | 7 | $2.1 billion |
| American Riviera Bank | 4 | $780.3 million |
| Community West Bank | 4 | $321.0 million |
| Banc of California | 3 | $313.1 million |
| First Bank | 3 | $175.1 million |
| Columbia Bank | 2 | $619.5 million |
| Community Bank of Santa Maria | 2 | $350.4 million |
| Bank of the Sierra | 2 | $44.8 million |
| The Northern Trust Company | 1 | $135.4 million |
| Farmers and Merchants Bank of Long Beach | 1 | $102.0 million |
| MidFirst Bank | 1 | $66.4 million |
| BMO Bank National Association | 1 | $55.2 million |
| Citizens Business Bank, National Association | 1 | $32.0 million |
| Poppy Bank | 1 | $26.4 million |
| CalPrivate Bank | 1 | $9.1 million |
Closed since the 2025 survey
2 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Pacific Premier Bank, National Association, 1035 State St, Santa Barbara
- Pacific Premier Bank, National Association, 1825 S Broadway, Santa Maria
Get told when this changes
When the next year’s lending figures are out for Santa Barbara County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.