Home purchase lenders in Santa Barbara County
2,195 home purchase mortgages were made in Santa Barbara County, California, in 2025, by 264 lenders. The median rate their borrowers got was 6.500% on a median loan of $615,000. Of 2,615 decisions, 304 were denials — 11.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 235 | 6.500% | $595,000 | 11.6% |
| GUARANTEED RATE, INC. | 144 | 6.625% | $685,000 | 1.4% |
| OriginPoint, LLC | 85 | 6.750% | $985,000 | 1.2% |
| Loandepot.Com, LLC | 73 | 6.375% | $565,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 71 | 6.875% | $635,000 | 1.4% |
| Rocket Mortgage, LLC | 67 | 6.375% | $595,000 | 11.5% |
| KIND LENDING, LLC | 66 | 6.500% | $485,000 | 16.9% |
| CMG MORTGAGE, INC. | 62 | 6.625% | $715,000 | 5.2% |
| MOVEMENT MORTGAGE, LLC | 61 | 6.750% | $685,000 | 1.4% |
| JPMorgan Chase Bank, National Association | 55 | 6.125% | $695,000 | 1.8% |
| U.S. Bank National Association | 52 | 5.990% | $945,000 | 20.9% |
| GUILD MORTGAGE COMPANY | 50 | 6.375% | $605,000 | 3.6% |
| Montecito Bank & Trust | 48 | Not published | $310,000 | 24.2% |
| Wells Fargo Bank, National Association | 41 | 5.750% | $1,165,000 | 10.9% |
| Kiavi Funding, Inc. | 39 | 10.700% | $735,000 | 2.4% |
| THE LOAN STORE, INC. | 36 | 6.433% | $585,000 | 8.9% |
| COASTAL FUNDING SLC, INC. | 36 | 6.625% | $530,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 35 | 6.625% | $805,000 | 10.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 32 | 6.125% | $520,000 | 13.5% |
| ORANGE COUNTY'S CREDIT UNION | 29 | 6.125% | $585,000 | 3.3% |
| CORNERSTONE CAPITAL BANK, SSB | 26 | 6.500% | $600,000 | 0.0% |
| Bank of America, National Association | 25 | 5.875% | $1,285,000 | 31.6% |
| 549300U4NMMQ8OEM3D10 | 25 | Not published | $225,000 | 3.5% |
| TRIAD FINANCIAL SERVICES, INC. | 24 | 8.710% | $200,000 | 44.4% |
| Morgan Stanley Private Bank, National Association | 24 | 5.750% | $1,435,000 | 4.0% |
| FREEDOM MORTGAGE CORPORATION | 23 | 6.250% | $565,000 | 20.7% |
| PENNYMAC LOAN SERVICES, LLC | 23 | 6.375% | $745,000 | 14.8% |
| Citibank, National Association | 22 | 5.875% | $1,490,000 | 4.2% |
| LEADERONE FINANCIAL CORPORATION | 21 | 5.990% | $495,000 | 16.0% |
| MidFirst Bank | 21 | 6.000% | $1,075,000 | 0.0% |
| CLEAREDGE LENDING LLC | 20 | 7.063% | $655,000 | 4.8% |
| FIRST COLONY MORTGAGE CORPORATION | 19 | 6.375% | $585,000 | 4.6% |
| V.I.P. MORTGAGE, INC. | 19 | 6.375% | $375,000 | 0.0% |
| Commerce Home Mortgage, Inc. | 17 | 8.125% | $1,045,000 | 0.0% |
| Mortgage Research Center, LLC | 16 | 6.125% | $675,000 | 15.8% |
| Murphy Bank | 15 | 7.600% | $265,000 | 19.2% |
| Sierra Pacific Mortgage Company, Inc. | 14 | 6.563% | $565,000 | 6.7% |
| 21st Mortgage Corporation | 13 | 10.250% | $165,000 | 55.2% |
| Paramount Residential Mortgage Group, Inc. | 13 | 6.250% | $625,000 | 0.0% |
| Charles Schwab Bank, SSB | 13 | 5.125% | $1,245,000 | 0.0% |
| Navy Federal Credit Union | 12 | 6.313% | $650,000 | 0.0% |
| A&D Mortgage LLC | 12 | 6.375% | $590,000 | 7.7% |
| LENDSURE MORTGAGE CORP. | 11 | 7.500% | $705,000 | 0.0% |
| RESICENTRAL, LLC | 10 | 6.433% | $580,000 | 0.0% |
| Mechanics Bank | 10 | 6.188% | $830,000 | 0.0% |
| OCMBC, INC. | 9 | Under 10 loans | Under 10 loans | 15.4% |
| CHAMPIONS FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 40.0% |
| NEXERA HOLDING LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| BMO Bank National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 56.0% |
| NEWREZ LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Citadel Servicing Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 8 | Under 10 loans | Under 10 loans | 11.1% |
| JMAC LENDING, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| ENVOY MORTGAGE, LTD | 8 | Under 10 loans | Under 10 loans | 0.0% |
| THE GOLDEN 1 | 7 | Under 10 loans | Under 10 loans | 22.2% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| American Riviera Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| GENWAY HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| City National Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 10.0% |
| Axos Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| HOMEXPRESS MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 22.2% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| ALAMEDA MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 73.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| KINECTA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DIGNIFIED HOME LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COASTHILLS CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SCHOOLSFIRST | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SESLOC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Logan Finance Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 20.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| CAKE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYPOINT Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Lending Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Utah Mortgage Loan Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers and Merchants Bank of Long Beach | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALTECH EMPLOYEES FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL COAST LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| East West Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 66.7% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arixa Enhanced Income Fund, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AUGUSTA FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900T8N4RLS6G3BF64 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Schaumburg Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lake Forest Bank & Trust Company, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fremont Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISION ONE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peak Residential Lending Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE CAPITAL PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MACKILLIE INCORPORATED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pacific Premier Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEO-CORP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wheaton Bank & Trust, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Utah Power Federally Insured State-Chartered Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMJ FINANCIAL GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Customers Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 64 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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. 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.