Mortgage Lenders and Brokers in Goleta, California
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Goleta, California mortgage lenders include Montecito Bank and TrustMontecito Bank and Trust6900 Hollister Ave, Goleta, CA 93117A+5.0 ★Texas Ratio: 1.23%, Community West Bank, A California Banking CorporationCommunity West Bank, A California Banking Corporation445 Pine Ave, Goleta, CA 93117A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA195 N Fairview Ave, Goleta, CA 93117A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA5787 Calle Real, Goleta, CA 93117A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA5892 Calle Real, Goleta, CA 93117A+5.0 ★Texas Ratio: 4.14%, US Bank, N.A.US Bank, N.A.299 N Fairview Ave, Goleta, CA 93117A+5.0 ★Texas Ratio: 2.85%, Murphy BankMurphy Bank5180 N Palm Ave, Fresno, CA 93704A+5.0 ★Texas Ratio: 2.25%, Orange County'S FCUOrange County'S FCU2390 E Orangewood Ave Ste 106, Anaheim, CA 92806A+5.0 ★Texas Ratio: 4.43%, Citibank, NACitibank, NA5837 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 2.82%, and Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Goleta, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Goleta are listed first, then lenders elsewhere in California, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Goleta, California
Market share is the lender's share of all home loans closed in Goleta, California. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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2 offices in Goleta 6900 Hollister Ave, Goleta, CA 93117 A+5.0 ★Texas Ratio: 1.23% |
Conventional, Jumbo | 22 | 8.4% | 66.7% | $363,636 | View |
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1 office in Goleta 445 Pine Ave, Goleta, CA 93117 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 5 | 1.9% | 83.3% | $337,000 | View |
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1 office in Goleta 195 N Fairview Ave, Goleta, CA 93117 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 5 | 1.9% | 83.3% | $825,000 | View |
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2 offices in Goleta 5787 Calle Real, Goleta, CA 93117 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 4 +1 HELOCs |
1.5% | 80% | $1,875,000 | View |
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1 office in Goleta 5892 Calle Real, Goleta, CA 93117 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 2 +3 HELOCs |
0.8% | 66.7% | $955,000 | View |
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2 offices in Goleta 299 N Fairview Ave, Goleta, CA 93117 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +7 HELOCs |
0.4% | 100% | $325,000 | View |
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5180 N Palm Ave, Fresno, CA 93704 A+5.0 ★Texas Ratio: 2.25% |
Conventional | 8 | 3.1% | 71.4% | $307,500 | View |
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2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43% |
Conventional, Jumbo | 6 | 2.3% | 100% | $580,000 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 4 | 1.5% | 100% | $1,332,500 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 1.1% | 75% | $665,000 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo, HELOC | 2 +3 HELOCs |
0.8% | 100% | $1,070,000 | View |
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145 Santa Felicia Dr, Goleta, CA 93117 2804 A+5.0 ★Texas Ratio: 3.82% |
Conventional, Jumbo, HELOC | 2 +2 HELOCs |
0.8% | 100% | $765,000 | View |
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2255 N Ontario St, Burbank, CA 91504 A5.0 ★Texas Ratio: 12.30% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
0.8% | 100% | $740,000 | View |
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16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93% |
Conventional | 2 | 0.8% | 100% | $370,000 | View |
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1307B N H St, Lompoc, CA 93436 3312 A+5.0 ★Texas Ratio: 0.02% |
Conventional | 2 | 0.8% | 100% | $215,000 | View |
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7062 Market Place Dr, Goleta, CA 93117 5902 A+5.0 ★Texas Ratio: 3.00% |
Conventional, HELOC | 1 +8 HELOCs |
0.4% | 100% | $155,000 | View |
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5676 Calle Real, Goleta, CA 93117 A+5.0 ★Texas Ratio: 5.50% |
Conventional, Jumbo, HELOC | 1 +8 HELOCs |
0.4% | 100% | $965,000 | View |
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2421 E Coast Hwy, Corona Del Mar, CA 92625 A+5.0 ★Texas Ratio: 0.06% |
Conventional, Jumbo | 1 | 0.4% | 100% | $2,005,000 | View |
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2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
Conventional | 1 | 0.4% | 100% | $805,000 | View |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
Conventional, Jumbo | 1 | 0.4% | 100% | $935,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2625 CORPORATE Pl, MONTEREY PARK, CA 91754 A+5.0 ★Texas Ratio: 1.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
loanDepot.com LLC
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Conventional, VA, Jumbo | 15 | 5.7% | 94.1% | $715,666 | |
Pennymac Loan Services LLC
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Conventional, VA, Jumbo | 12 | 4.6% | 92.9% | $709,166 | |
Land Home Financial Services,
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Conventional | 2 | 0.8% | 100% | $555,000 | |
Arcstone Financial Inc
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Conventional | 2 | 0.8% | 100% | $375,000 | |
Resicentral LLC
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Conventional | 1 | 0.4% | 100% | $505,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.4% | 100% | $655,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 0.4% | 100% | $535,000 | |
AmWest Funding Corp
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,105,000 | |
Royal Pacific Funding
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Conventional | 1 | 0.4% | 100% | $155,000 | |
Dignified Home Loans LLC
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Conventional | 1 | 0.4% | 100% | $805,000 | |
Greenbox Loans
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Conventional | 1 | 0.4% | 100% | $905,000 | |
Lendsure Mortgage Corp.
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,105,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.4% | 100% | $345,000 | |
ClearEdge Lending LLC
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Conventional | 1 | 0.4% | 100% | $655,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.4% | 100% | $455,000 | |
JMAC Lending, Inc.
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,725,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Originpoint, LLC
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Conventional, Jumbo, HELOC | 22 +1 HELOCs |
8.4% | 100% | $891,818 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo | 18 | 6.9% | 100% | $896,111 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 18 | 6.9% | 83.3% | $560,000 | |
United Wholesale Mortgage
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Conventional, Jumbo, HELOC | 13 +3 HELOCs |
5% | 82.4% | $848,846 | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 10 | 3.8% | 100% | $917,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional, Jumbo | 9 | 3.4% | 100% | $503,888 | View |
Movement Mortgage, LLC
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Conventional, Jumbo | 6 | 2.3% | 100% | $896,666 | |
Prosperity Home Mortgage, LLC
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Conventional, Jumbo | 6 | 2.3% | 100% | $1,028,333 | |
Newrez LLC
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Conventional | 3 | 1.1% | 75% | $321,666 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 3 | 1.1% | 100% | $655,000 | View |
First Colony Mortgage Corporat
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Conventional | 3 | 1.1% | 100% | $331,666 | |
Spring Eq, LLC
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Conventional, Jumbo, HELOC | 2 +4 HELOCs |
0.8% | 40% | $390,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, Jumbo, HELOC | 2 +1 HELOCs |
0.8% | 100% | $870,000 | |
Oaktree Funding Corp
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Conventional, Jumbo | 2 | 0.8% | 100% | $330,000 | |
21St Mortgage
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Conventional | 2 | 0.8% | 33.3% | $380,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +3 HELOCs |
0.4% | 100% | $125,000 | View |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.4% | 100% | $905,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional, Jumbo | 1 | 0.4% | 100% | $935,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,105,000 | View |
Freedom Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $705,000 | |
Success Lending, LLC
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Conventional | 1 | 0.4% | 100% | $585,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.4% | 80% | $295,000 | |
Nqm Funding, LLC
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,245,000 | |
Summit Mortgage Bankers, Inc.
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,125,000 | |
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A5.0 ★Texas Ratio: 8.00% |
Conventional | 1 | 0.4% | 100% | $735,000 | View |
Credit Human Federal Credit Un
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Conventional | 1 | 0.4% | 100% | $455,000 | |
Nfm, Inc
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Conventional | 1 | 0.4% | 100% | $555,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.4% | 100% | $915,000 | |
Deseret First Credit Union
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Conventional | 1 | 0.4% | 100% | $355,000 | |
Mit Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $875,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $475,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.4% | 100% | $705,000 | View |
Logan Finance Corporation
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,115,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,455,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.4% | 50% | $805,000 | View |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.4% | 100% | $895,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.4% | 100% | $205,000 | View |
Leaderone Financial Corp.
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Conventional | 1 | 0.4% | 100% | $305,000 | |
Village Capital & Investment
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FHA | 1 | 0.4% | 100% | $805,000 | |
Alliant Credit Union
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Angel Oak Mortgage Solutions LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Goleta Mortgage Rate Trends
Daily average mortgage rates for California compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Goleta, California
Looking for mortgage lenders near me or mortgage brokers near me in Goleta? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Goleta in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Goleta, CA
Use these to narrow the list above. Each category shows how many Goleta, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Goleta, CA
Independent mortgage companies closed 63.2 percent of home loans in Goleta, California in 2025, banks 28.7 percent and credit unions 8 percent. loanDepot.com LLC was the largest mortgage company, Montecito Bank and Trust the largest bank and Orange County'S FCU the largest credit union. Among lenders headquartered in California, Montecito Bank and Trust led with 22 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in California. County documentary transfer tax of $1.10 per $1,000 (0.11 percent), with many cities adding their own transfer tax (for example San Francisco and Los Angeles at much higher rates); no mortgage recording tax.
More California Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Goleta, CA
By home loans closed in 2025, Montecito Bank and Trust was the largest mortgage lender in Goleta, California with 22 loans, about 8.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
2 lenders closed FHA loans in Goleta, California in 2025, led by Rocket Mortgage with 1. 4 lenders closed VA loans, led by Pennymac Loan Services LLC. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 22 banks and 19 credit unions closed home loans in Goleta, California in 2025, alongside 46 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Goleta, California during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Goleta, California for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Goleta. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
