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Mortgage Lenders and Brokers in Santa Barbara, California

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Santa Barbara, California mortgage lenders include US Bank, N.A.US Bank, N.A.220 Nogales Ave, Santa Barbara, CA 93105A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1200 State St, Santa Barbara, CA 93101A+5.0 ★Texas Ratio: 3.68%, Montecito Bank and TrustMontecito Bank and Trust5486 Calle Real, Santa Barbara, CA 93111A+5.0 ★Texas Ratio: 1.23%, Bank of America NABank of America NA1096 Coast Village Rd, Santa Barbara, CA 93108A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA101 N Milpas St, Santa Barbara, CA 93103A+5.0 ★Texas Ratio: 5.36%, MidFirst BankMidFirst Bank16633 Ventura Blvd, Encino, CA 91436A+5.0 ★Texas Ratio: 4.93%, Santa Barbara Teachers Federal Credit UnionSanta Barbara Teachers Federal Credit Union3970 La Colina Rd, Santa Barbara, CA 93110 1563A+5.0 ★Texas Ratio: 0.02%, American Riviera BankAmerican Riviera Bank1033 Anacapa St, Santa Barbara, CA 93101A+5.0 ★Texas Ratio: 5.04%, Mechanics BankMechanics Bank2222 Bath St, Santa Barbara, CA 93105A+5.0 ★Texas Ratio: 1.81%, and BMO Harris Bank NABMO Harris Bank NA1036 State St, Santa Barbara, CA 93101A+5.0 ★Texas Ratio: 3.54%. 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 Santa Barbara, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Santa Barbara 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 Santa Barbara, California

Market share is the lender's share of all home loans closed in Santa Barbara, 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
US Bank, N.A. 4 offices in Santa Barbara 220 Nogales Ave, Santa Barbara, CA 93105 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	29 +9 HELOCs	4.5%	71.4%	$1,341,551	View
JPMorgan Chase Bank, NA 2 offices in Santa Barbara 1200 State St, Santa Barbara, CA 93101 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	20 +1 HELOCs	3.1%	100%	$1,332,000	View
Montecito Bank and Trust 5 offices in Santa Barbara 5486 Calle Real, Santa Barbara, CA 93111 A+5.0 ★Texas Ratio: 1.23%	Conventional, Jumbo	20	3.1%	74.1%	$876,000	View
Bank of America NA 3 offices in Santa Barbara 1096 Coast Village Rd, Santa Barbara, CA 93108 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	18 +16 HELOCs	2.8%	90%	$2,003,888	View
Wells Fargo Bank NA 3 offices in Santa Barbara 101 N Milpas St, Santa Barbara, CA 93103 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	18	2.8%	81.8%	$1,602,777	View
MidFirst Bank 1 office in Santa Barbara 16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93%	Conventional, Jumbo, HELOC	14 +4 HELOCs	2.2%	93.3%	$1,959,285	View
Santa Barbara Teachers Federal Credit Union 3970 La Colina Rd, Santa Barbara, CA 93110 1563 A+5.0 ★Texas Ratio: 0.02%	Conventional	5	0.8%	100%	$219,000	View
American Riviera Bank 1033 Anacapa St, Santa Barbara, CA 93101 A+5.0 ★Texas Ratio: 5.04%	Conventional, Jumbo	5	0.8%	62.5%	$1,063,000	View
Mechanics Bank 3 offices in Santa Barbara 2222 Bath St, Santa Barbara, CA 93105 A+5.0 ★Texas Ratio: 1.81%	Conventional, Jumbo, HELOC	3 +3 HELOCs	0.5%	100%	$975,000	View
BMO Harris Bank NA 1 office in Santa Barbara 1036 State St, Santa Barbara, CA 93101 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	2 +15 HELOCs	0.3%	50%	$1,460,000	View
Farmers and Merchants Bank of Long Beach 1 office in Santa Barbara 33 E Carrillo St, Santa Barbara, CA 93101 A+5.0 ★Texas Ratio: 0.06%	Conventional	1	0.2%	100%	$515,000	View
Columbia Bank 1 office in Santa Barbara 1035 State St, Santa Barbara, CA 93101 A+5.0 ★Texas Ratio: 2.28%	HELOC	0 +3 HELOCs	0%	n/a		View
First Bank 1 office in Santa Barbara 3304 State St, Santa Barbara, CA 93105 A+5.0 ★Texas Ratio: 4.74%	HELOC	0 +2 HELOCs	0%	n/a		View
Orange County'S FCU 2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43%	Conventional, Jumbo, HELOC	13 +1 HELOCs	2%	92.9%	$655,000	View
Citibank, NA 5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	13	2%	92.9%	$2,224,230	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	11	1.7%	91.7%	$1,814,090	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo, HELOC	6 +2 HELOCs	0.9%	85.7%	$3,213,333	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, Jumbo, HELOC	3 +9 HELOCs	0.5%	60%	$941,666	View
Citizens Bank, NA 750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo	3	0.5%	100%	$3,255,000	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional, Jumbo	3	0.5%	100%	$388,333	View
Keypoint Credit Union 10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00%	Conventional, HELOC	2 +17 HELOCs	0.3%	100%	$195,000	View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.3%	100%	$1,065,000	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.3%	100%	$1,165,000	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, Jumbo	2	0.3%	66.7%	$1,310,000	View
Caltech Employees Federal Credit Union 528 Foothill Blvd, La Canada, CA 91011 A+5.0 ★Texas Ratio: 0.08%	Conventional, Jumbo	2	0.3%	100%	$1,730,000	View
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional, Jumbo	2	0.3%	100%	$1,710,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	1 +6 HELOCs	0.2%	100%	$945,000	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, Jumbo, HELOC	1 +3 HELOCs	0.2%	100%	$1,605,000	View
Valley Strong Credit Union 8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47%	Conventional	1	0.2%	100%	$405,000	View
Bny Mellon, N.A. 2029 Century Park E, Los Angeles, CA 90067 A+5.0 ★Texas Ratio: 0.37%	Conventional, Jumbo	1	0.2%	100%	$1,175,000	View
San Francisco Fire Credit Union 3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32%	Conventional	1	0.2%	100%	$205,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional, Jumbo	1	0.2%	50%	$1,445,000
Royal Business Bank 901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57%	Conventional, Jumbo	1	0.2%	100%	$2,645,000	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	1	0.2%	66.7%	$695,000	View
Los Angeles Police FCU 1880 Academy Dr, Los Angeles, CA 90012 1001 A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.2%	100%	$105,000	View
Bay Federal Credit Union 48 Rancho Del Mar, Aptos, CA 95003 A+5.0 ★Texas Ratio: 1.88%	Conventional	1	0.2%	100%	$45,000	View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	Conventional, Jumbo	1	0.2%	100%	$1,145,000	View
CTBC Bank USA 56 E Duarte Rd, Arcadia, CA 91006 A5.0 ★Texas Ratio: 8.76%	Conventional, Jumbo	1	0.2%	50%	$1,805,000	View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	Conventional, Jumbo	1	0.2%	100%	$1,525,000	View
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.2%	100%	$855,000	View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	HELOC	0 +9 HELOCs	0%	n/a		View
Ventura County Credit Union 520 Arneill Rd, Camarillo, CA 93010 6414 B4.6 ★Texas Ratio: 19.65%	HELOC	0 +2 HELOCs	0%	n/a		View
Oceanair Federal Credit Union 300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19%	HELOC	0 +2 HELOCs	0%	n/a		View
California Coast Credit Union 386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25%	HELOC	0 +1 HELOCs	0%	n/a		View
Hsbc Bank USA, NA 1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86%	HELOC	0 +1 HELOCs	0%	n/a		View
Logix Federal Credit Union 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
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	HELOC	0 +1 HELOCs	0%	n/a		View
Fifth Third Bank, National Association 2416 Central Ave, Alameda, CA 94501 A+5.0 ★Texas Ratio: 3.22%	HELOC	0 +1 HELOCs	0%	n/a		View
Wescom Central Credit Union ★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66%	HELOC	0 +1 HELOCs	0%	n/a		View
Patelco Credit Union 2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65%	HELOC	0 +1 HELOCs	0%	n/a		View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	HELOC	0 +1 HELOCs	0%	n/a		View
loanDepot.com LLC	Conventional, Jumbo	16	2.5%	100%	$854,375
Greenbox Loans	Conventional, Jumbo	9	1.4%	100%	$1,357,222
Nexera Holding LLC	Conventional, Jumbo	7	1.1%	77.8%	$1,216,428
Pennymac Loan Services LLC	Conventional, Jumbo	5	0.8%	71.4%	$1,117,000
New American Funding, LLC.	Conventional, Jumbo	5	0.8%	100%	$1,727,000
ClearEdge Lending LLC	Conventional, Jumbo	5	0.8%	62.5%	$1,411,000
Golden Empire Mortgage, Inc.	Conventional	4	0.6%	80%	$600,000
Land Home Financial Services,	Conventional	4	0.6%	100%	$962,500
Flexpoint, Inc.	Conventional, Jumbo	3	0.5%	100%	$415,000
Cake Mortgage Corp.	Conventional, Jumbo	3	0.5%	100%	$1,321,666
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional	2	0.3%	100%	$460,000	View
Stg Mortgage Inc	Conventional, Jumbo	2	0.3%	100%	$1,610,000
Hometown Equity Mortgage, LLC	Conventional, Jumbo	2	0.3%	66.7%	$1,950,000
Citadel Servicing Corporation	Conventional, Jumbo	2	0.3%	100%	$1,270,000
AmWest Funding Corp	Conventional, Jumbo, HELOC	1 +2 HELOCs	0.2%	100%	$2,155,000
Cornerstone First Mortgage, LLC	Conventional, Jumbo	1	0.2%	100%	$1,205,000
AmeriHome Mortgage Company, LLC	Conventional	1	0.2%	100%	$745,000
Augusta Financial, Inc.	Conventional, Jumbo	1	0.2%	50%	$2,205,000
Resicentral LLC	Conventional	1	0.2%	100%	$105,000
Guild Mortgage Company	Conventional	1	0.2%	100%	$665,000
American Financial Network, Inc.	Conventional, Jumbo	1	0.2%	100%	$1,045,000
Googain, Inc.	Conventional	1	0.2%	100%	$1,005,000
Royal Pacific Funding	Conventional, Jumbo	1	0.2%	100%	$1,045,000
Provident Funding Associates	Conventional	1	0.2%	100%	$395,000
Lendsure Mortgage Corp.	Conventional, Jumbo	1	0.2%	100%	$2,105,000
American Pacific Mortgage Corporation	Conventional, Jumbo	1	0.2%	100%	$1,665,000
Ardri LLC	Conventional, Jumbo	1	0.2%	100%	$965,000
Vista Point Mortgage, LLC	Conventional, Jumbo	1	0.2%	50%	$755,000
Marquee Capital Fund 1, LLC.	Conventional, Jumbo	1	0.2%	100%	$1,405,000
Figure Lending LLC	HELOC	0 +7 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +1 HELOCs	0%	n/a
Guaranteed Rate, Inc.	Conventional, VA, Jumbo	46	7.1%	98%	$1,241,956
CrossCountry Mortgage, LLC	Conventional, Jumbo, HELOC	31 +1 HELOCs	4.8%	100%	$1,295,000
Originpoint, LLC	Conventional, VA, Jumbo, HELOC	30 +1 HELOCs	4.6%	100%	$1,124,666
Rocket Mortgage	Conventional, FHA, Jumbo	30	4.6%	81.6%	$564,666
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	29 +7 HELOCs	4.5%	87.9%	$1,077,413
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	21	3.2%	100%	$1,414,523	View
Movement Mortgage, LLC	Conventional, Jumbo, HELOC	18 +1 HELOCs	2.8%	91.3%	$1,040,000
Prosperity Home Mortgage, LLC	Conventional, VA, Jumbo	18	2.8%	85.7%	$1,358,888
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional, VA, Jumbo	17	2.6%	100%	$649,117	View
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, Jumbo, HELOC	16 +3 HELOCs	2.5%	95.2%	$923,125	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	14	2.2%	93.8%	$1,386,428	View
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	9	1.4%	100%	$1,550,555	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	8	1.2%	100%	$1,018,750	View
Spring Eq, LLC	Conventional, HELOC	6 +4 HELOCs	0.9%	50%	$298,333
The Loan Store, Inc	Conventional, Jumbo, HELOC	4 +2 HELOCs	0.6%	100%	$1,245,000
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	4	0.6%	100%	$2,342,500	View
Emporium Tpo LLC	Conventional, Jumbo	4	0.6%	100%	$1,697,500
Ameritrust Mortgage Corporation	Conventional, Jumbo	4	0.6%	100%	$1,397,500
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo	4	0.6%	100%	$1,717,500	View
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo, HELOC	3 +3 HELOCs	0.5%	75%	$885,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	3	0.5%	75%	$1,255,000	View
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, HELOC	2 +4 HELOCs	0.3%	100%	$835,000
Newrez LLC	Conventional, Jumbo	2	0.3%	66.7%	$975,000
NOVA Financial & Investment Corporation	Conventional, Jumbo	2	0.3%	100%	$1,295,000
VanDyk Mortgage Corporation	Conventional, Jumbo	2	0.3%	100%	$1,155,000
First Colony Mortgage Corporat	Conventional	2	0.3%	100%	$680,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +13 HELOCs	0.2%	100%	$65,000	View
Fourleaf Federal Credit Union	Conventional, Jumbo	1	0.2%	100%	$1,255,000
Lakeview Loan Servicing, LLC	Conventional	1	0.2%	50%	$265,000
Freedom Mortgage Corporation	Conventional	1	0.2%	100%	$155,000
Sage Home Loans Corporation	Conventional	1	0.2%	100%	$865,000
Triad Financial Services, Inc.	Conventional	1	0.2%	50%	$215,000
PHH Mortgage Corporation	Conventional	1	0.2%	100%	$805,000
Granite Bank A5.0 ★Texas Ratio: 13.85%	Conventional	1	0.2%	100%	$735,000	View
Deephaven Mortgage LLC	Conventional	1	0.2%	100%	$665,000
Nqm Funding, LLC	Conventional	1	0.2%	100%	$575,000
AAFMAA Mortgage Services LLC	VA	1	0.2%	100%	$805,000
Discover Bank	Conventional	1	0.2%	16.7%	$85,000
Credit Human Federal Credit Un	Conventional	1	0.2%	66.7%	$155,000
Union Home Mortgage Corp.	Conventional	1	0.2%	100%	$905,000
Nfm, Inc	Conventional, Jumbo	1	0.2%	100%	$1,165,000
Foundation Mortgage Corporation	Conventional, Jumbo	1	0.2%	100%	$1,135,000
Schaumburg Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 0.87%	Conventional, Jumbo	1	0.2%	100%	$1,705,000	View
Lake Forest Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.75%	Conventional, Jumbo	1	0.2%	100%	$1,505,000	View
Nationstar Mortgage	Conventional	1	0.2%	100%	$75,000
Logan Finance Corporation	Conventional, Jumbo	1	0.2%	100%	$1,405,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	1	0.2%	100%	$5,005,000	View
Mutual of Omaha Mortgage	Conventional	1	0.2%	100%	$785,000
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	1	0.2%	100%	$405,000	View
Champions Funding, LLC	Conventional	1	0.2%	100%	$735,000
Flyhomes Mortgage LLC	Conventional, Jumbo	1	0.2%	100%	$1,545,000
Quorum Federal Credit Union	HELOC	0 +7 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +7 HELOCs	0%	n/a
Alliant Credit Union	HELOC	0 +5 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +5 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +5 HELOCs	0%	n/a		View
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +4 HELOCs	0%	n/a		View
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +2 HELOCs	0%	n/a		View
Better Mortgage Corporation	HELOC	0 +2 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
WSFS bank A+5.0 ★Texas Ratio: 3.10%	HELOC	0 +2 HELOCs	0%	n/a		View
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Oaktree Funding Corp	HELOC	0 +1 HELOCs	0%	n/a
Bell Bank A+5.0 ★Texas Ratio: 3.66%	HELOC	0 +1 HELOCs	0%	n/a		View
Bank Fund Staff Federal Credit	HELOC	0 +1 HELOCs	0%	n/a
Connexus Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Busey Bank A+5.0 ★Texas Ratio: 2.31%	HELOC	0 +1 HELOCs	0%	n/a		View
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	HELOC	0 +1 HELOCs	0%	n/a		View
First Technology Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Santa Barbara Mortgage Rate Trends

Daily average mortgage rates for California compared with the national average, updated every evening.

30-Year Fixed CA Avg

7.345%

▲ 0.089 vs 7 days ago

15-Year Fixed CA Avg

6.901%

▲ 0.040 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Santa Barbara, California

Looking for mortgage lenders near me or mortgage brokers near me in Santa Barbara? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Santa Barbara in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Santa Barbara, CA

Use these to narrow the list above. Each category shows how many Santa Barbara, CA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 71 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 47 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 33 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 2 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 6 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 81 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 66 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Santa Barbara, CA

Independent mortgage companies closed 55.8 percent of home loans in Santa Barbara, California in 2025, banks 38.4 percent and credit unions 5.8 percent. Change Lending was the largest mortgage company, US Bank, N.A. the largest bank and Santa Barbara Teachers Federal Credit Union the largest credit union. Among lenders headquartered in California, Montecito Bank and Trust led with 20 loans.

55.8%

Mortgage companies

38.4%

Banks

5.8%

Credit unions

FHA loans

VA 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

All California lenders 861 lenders Los Angeles 480 lenders San Diego 411 lenders San Jose 294 lenders Fresno 260 lenders San Francisco 277 lenders Sacramento 300 lenders Bakersfield 258 lenders Menifee 239 lenders Long Beach 284 lenders Oakland 265 lenders Santa Clarita 265 lenders Stockton 212 lenders

Frequently Asked Questions About Mortgage Lenders in Santa Barbara, CA

Who is the largest mortgage lender in Santa Barbara, CA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Santa Barbara, California with 29 loans, about 4.5 percent of the market. The largest lender headquartered in California was Montecito Bank and Trust with 20 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Santa Barbara, CA mortgage lenders offer FHA, VA and USDA loans?

2 lenders closed FHA loans in Santa Barbara, California in 2025, led by Rocket Mortgage with 2. 6 lenders closed VA loans, led by United Wholesale Mortgage. 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.

Are credit unions and local banks included in this Santa Barbara, CA lender list?

Yes. 47 banks and 33 credit unions closed home loans in Santa Barbara, California in 2025, alongside 71 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.

How are mortgage lenders in Santa Barbara, CA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Santa Barbara, 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 Santa Barbara, 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 Santa Barbara. 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.