Mortgage Lenders and Brokers in Santa Maria, 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
Santa Maria, California mortgage lenders include CoastHills Credit UnionCoastHills Credit Union1203 S BROADWAY, SANTA MARIA, CA 93454 6609, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA401 S Broadway, Santa Maria, CA 93454A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.2340 S Broadway, Santa Maria, CA 93454A+5.0 ★Texas Ratio: 2.85%, Bank of America NABank of America NA2060 S Broadway, Santa Maria, CA 93454A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA2445 S Broadway, Santa Maria, CA 93454A+5.0 ★Texas Ratio: 5.36%, Community West Bank, A California Banking CorporationCommunity West Bank, A California Banking Corporation122 E Betteravia Rd, Santa Maria, CA 93454A+5.0 ★Texas Ratio: 4.14%, Montecito Bank and TrustMontecito Bank and Trust2125 South Broadway, Santa Maria, CA 93454A+5.0 ★Texas Ratio: 1.23%, Mechanics BankMechanics Bank1110 E Clark Ave, Santa Maria, CA 93455A+5.0 ★Texas Ratio: 1.81%, First BankFirst Bank2027 A South Broadway, Santa Maria, CA 93454A+5.0 ★Texas Ratio: 4.74%, and Sesloc Credit UnionSesloc Credit Union2506 S Broadway, Santa Maria, CA 93454. 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 Maria, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Santa Maria 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 Maria, California
Market share is the lender's share of all home loans closed in Santa Maria, 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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1203 S BROADWAY, SANTA MARIA, CA 93454 6609 |
Conventional | 30 | 3.8% | 88.6% | $211,666 | View |
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2 offices in Santa Maria 401 S Broadway, Santa Maria, CA 93454 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 12 +2 HELOCs |
1.5% | 100% | $343,333 | View |
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1 office in Santa Maria 2340 S Broadway, Santa Maria, CA 93454 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 7 +3 HELOCs |
0.9% | 38.9% | $296,428 | View |
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2 offices in Santa Maria 2060 S Broadway, Santa Maria, CA 93454 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 5 +17 HELOCs |
0.6% | 71.4% | $309,000 | View |
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3 offices in Santa Maria 2445 S Broadway, Santa Maria, CA 93454 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 4 | 0.5% | 50% | $372,500 | View |
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1 office in Santa Maria 122 E Betteravia Rd, Santa Maria, CA 93454 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 3 | 0.4% | 100% | $91,666 | View |
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1 office in Santa Maria 2125 South Broadway, Santa Maria, CA 93454 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 3 | 0.4% | 100% | $65,000 | View |
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2 offices in Santa Maria 1110 E Clark Ave, Santa Maria, CA 93455 A+5.0 ★Texas Ratio: 1.81% |
Conventional, HELOC | 2 +4 HELOCs |
0.3% | 100% | $420,000 | View |
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1 office in Santa Maria 2027 A South Broadway, Santa Maria, CA 93454 A+5.0 ★Texas Ratio: 4.74% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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2506 S Broadway, Santa Maria, CA 93454 |
Conventional, HELOC | 12 +22 HELOCs |
1.5% | 72.2% | $181,666 | View |
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2615 S Miller St Ste 110, Santa Maria, CA 93455 1775 A+5.0 ★Texas Ratio: 0.02% |
Conventional | 7 | 0.9% | 100% | $79,285 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 6 | 0.8% | 60% | $115,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
FHA, VA | 5 | 0.6% | 80% | $515,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 4 | 0.5% | 80% | $700,000 | View |
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10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00% |
Conventional | 2 | 0.3% | 100% | $265,000 | View |
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5180 N Palm Ave, Fresno, CA 93704 A+5.0 ★Texas Ratio: 2.25% |
Conventional | 2 | 0.3% | 80% | $85,000 | View |
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840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
Conventional | 2 | 0.3% | 100% | $70,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 1 +4 HELOCs |
0.1% | 100% | $45,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 1 +3 HELOCs |
0.1% | 100% | $505,000 | View |
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1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.1% | 100% | $395,000 | View |
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3279 Ramos Cir, Sacramento, CA 95827 2500 A+5.0 ★Texas Ratio: 1.10% |
FHA | 1 | 0.1% | 100% | $605,000 | View |
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750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44% |
Conventional | 1 | 0.1% | 100% | $375,000 | View |
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1880 Academy Dr, Los Angeles, CA 90012 1001 A+5.0 ★Texas Ratio: 2.38% |
Conventional | 1 | 0.1% | 100% | $35,000 | View |
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510 Canal St Ste R, King City, CA 93930 3443 |
Conventional | 1 | 0.1% | 100% | $745,000 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 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 | |
loanDepot.com LLC
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Conventional, FHA, VA | 61 | 7.8% | 86.1% | $357,622 | |
Guild Mortgage Company
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Conventional, FHA, VA, Jumbo | 35 | 4.5% | 97.4% | $473,000 | |
Kind Lending, LLC
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Conventional, FHA, VA, HELOC | 27 +1 HELOCs |
3.4% | 84.8% | $399,814 | |
Golden Empire Mortgage, Inc.
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Conventional, FHA, VA | 18 | 2.3% | 90% | $338,333 | |
Coastal Funding SLC, Inc.
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Conventional, FHA, VA | 17 | 2.2% | 100% | $463,235 | |
Pennymac Loan Services LLC
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Conventional, FHA | 14 | 1.8% | 77.8% | $292,142 | |
Residential Wholesale Mortgage
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Conventional, FHA | 8 | 1% | 100% | $522,500 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA | 8 | 1% | 88.9% | $411,250 | View |
Paramount Residential Mortgage
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Conventional, FHA | 7 | 0.9% | 100% | $499,285 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA, VA | 6 | 0.8% | 85.7% | $460,000 | |
New American Funding, LLC.
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Conventional, FHA | 6 | 0.8% | 85.7% | $535,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 6 | 0.8% | 85.7% | $300,000 | |
JMAC Lending, Inc.
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Conventional, FHA | 4 | 0.5% | 100% | $520,000 | |
AmWest Funding Corp
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Conventional, FHA, HELOC | 3 +1 HELOCs |
0.4% | 100% | $431,666 | |
Royal Pacific Funding
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Conventional, FHA | 3 | 0.4% | 60% | $601,666 | |
Greenbox Loans
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Conventional | 3 | 0.4% | 100% | $385,000 | |
Hometown Equity Mortgage, LLC
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Conventional | 3 | 0.4% | 75% | $365,000 | |
ClearEdge Lending LLC
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Conventional | 3 | 0.4% | 100% | $475,000 | |
Nexera Holding LLC
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Conventional | 3 | 0.4% | 75% | $255,000 | |
Carrington Mortgage Services LLC
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Conventional, VA | 3 | 0.4% | 33.3% | $511,666 | |
Resicentral LLC
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Conventional, FHA | 2 | 0.3% | 100% | $365,000 | |
AdvantageFirst Lending Inc
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FHA, VA | 2 | 0.3% | 66.7% | $470,000 | |
American Financial Network, Inc.
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FHA | 2 | 0.3% | 66.7% | $635,000 | |
Franklin Loan Corporation
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Conventional | 2 | 0.3% | 100% | $255,000 | |
American Pacific Mortgage Corporation
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Conventional, VA | 2 | 0.3% | 66.7% | $465,000 | |
Cake Mortgage Corp.
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Conventional | 2 | 0.3% | 100% | $335,000 | |
ML Mortgage Corp.
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Conventional | 1 | 0.1% | 100% | $195,000 | |
Alameda Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $395,000 | |
AAA Capital Investment, Inc
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Conventional, Jumbo | 1 | 0.1% | 100% | $1,025,000 | |
ResMac Inc
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Conventional | 1 | 0.1% | 100% | $465,000 | |
Bay-Valley Mortgage Group
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Conventional | 1 | 0.1% | 100% | $395,000 | |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.1% | 100% | $625,000 | |
New Wave Lending Group Inc
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Conventional | 1 | 0.1% | 100% | $305,000 | |
Dignified Home Loans LLC
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Conventional | 1 | 0.1% | 100% | $425,000 | |
Provident Funding Associates
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Conventional | 1 | 0.1% | 100% | $345,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.1% | 100% | $645,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.1% | 100% | $495,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $475,000 | |
Vista Point Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $235,000 | |
Figure Lending LLC
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HELOC | 0 +16 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +6 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 131 +20 HELOCs |
16.7% | 86.2% | $520,496 | |
Rocket Mortgage
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Conventional, FHA, VA | 70 | 8.9% | 80.2% | $339,285 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, HELOC | 22 +5 HELOCs |
2.8% | 88% | $514,545 | |
The Loan Store, Inc
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Conventional, FHA, VA, HELOC | 13 +4 HELOCs |
1.7% | 93.3% | $596,538 | |
Nationstar Mortgage
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Conventional, FHA | 13 | 1.7% | 81.2% | $192,692 | |
Newrez LLC
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Conventional, VA | 12 | 1.5% | 52.2% | $240,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 12 | 1.5% | 86.7% | $474,166 | |
Movement Mortgage, LLC
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Conventional, FHA, HELOC | 10 +2 HELOCs |
1.3% | 86.7% | $497,000 | |
V.I.P. Mortgage, Inc.
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Conventional, FHA | 10 | 1.3% | 100% | $429,000 | |
Envoy Mortgage, Ltd
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Conventional, FHA | 9 | 1.1% | 100% | $397,222 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 8 | 1% | 66.7% | $553,750 | |
Mortgage Research Center
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VA | 8 | 1% | 47.1% | $700,000 | |
Spring Eq, LLC
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Conventional, HELOC | 7 +9 HELOCs |
0.9% | 33.3% | $95,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, VA, USDA, HELOC | 7 +1 HELOCs |
0.9% | 100% | $490,714 | View |
21St Mortgage
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Conventional | 7 | 0.9% | 63.6% | $133,571 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 6 +1 HELOCs |
0.8% | 85.7% | $315,000 | |
Leaderone Financial Corp.
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Conventional, FHA | 6 | 0.8% | 100% | $378,333 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA, VA | 5 | 0.6% | 43.8% | $389,000 | |
Triad Financial Services, Inc.
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Conventional | 4 | 0.5% | 63.6% | $152,500 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA | 3 | 0.4% | 75% | $518,333 | View |
All Credit Considered Mortgage, Inc.
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Conventional | 3 | 0.4% | 100% | $255,000 | |
Amerisave Mortgage Company
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Conventional | 3 | 0.4% | 36.4% | $81,666 | |
Nqm Funding, LLC
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Conventional | 3 | 0.4% | 75% | $375,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 3 | 0.4% | 100% | $548,333 | |
American Financial Resources LLC
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Conventional, FHA | 2 | 0.3% | 100% | $485,000 | |
Equity Prime Mortgage LLC
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FHA | 2 | 0.3% | 100% | $525,000 | |
Discover Bank
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Conventional | 2 | 0.3% | 16.7% | $90,000 | |
Geneva Financial LLC
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Conventional | 2 | 0.3% | 100% | $460,000 | |
Village Capital & Investment
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FHA | 2 | 0.3% | 57.1% | $650,000 | |
Alliant Credit Union
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Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $165,000 | |
HomeBridge Financial Services, Inc
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FHA, HELOC | 1 +1 HELOCs |
0.1% | 100% | $595,000 | |
Originpoint, LLC
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Conventional | 1 | 0.1% | 100% | $495,000 | |
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A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.1% | 100% | $135,000 | View |
Deephaven Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $755,000 | |
Data Mortgage, Inc
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FHA | 1 | 0.1% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.1% | 100% | $515,000 | View |
Obsidian Financial Services
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FHA | 1 | 0.1% | 100% | $565,000 | |
Altitude Financial Corporation
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FHA | 1 | 0.1% | 100% | $405,000 | |
Summit Mortgage Bankers, Inc.
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Conventional | 1 | 0.1% | 100% | $265,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.1% | 66.7% | $105,000 | |
Real Genius LLC
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Conventional | 1 | 0.1% | 100% | $475,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.1% | 16.7% | $605,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.1% | 100% | $555,000 | View |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.1% | 100% | $435,000 | View |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.1% | 100% | $475,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.1% | 100% | $385,000 | View |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.1% | 100% | $635,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.1% | 100% | $445,000 | View |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.1% | 100% | $305,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
FHA | 1 | 0.1% | 100% | $635,000 | View |
American Neighborhood Mortgage Acceptance Company
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FHA | 1 | 0.1% | 100% | $425,000 | |
Quorum Federal Credit Union
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HELOC | 0 +6 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Consolidated Community Credit
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
First Technology Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Santa Maria 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 Santa Maria, California
Looking for mortgage lenders near me or mortgage brokers near me in Santa Maria? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Santa Maria in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Santa Maria, CA
Use these to narrow the list above. Each category shows how many Santa Maria, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Santa Maria, CA
Independent mortgage companies closed 84.7 percent of home loans in Santa Maria, California in 2025, banks 7 percent and credit unions 8.3 percent. Sun West Mortgage Company, Inc was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and CoastHills Credit Union the largest credit union. Among lenders headquartered in California, CoastHills Credit Union led with 30 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 Santa Maria, CA
By home loans closed in 2025, CoastHills Credit Union was the largest mortgage lender in Santa Maria, California with 30 loans, about 3.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Santa Maria, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 86.2 percent, against a 79.5 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
46 lenders closed FHA loans in Santa Maria, California in 2025, led by United Wholesale Mortgage with 56. 23 lenders closed VA loans, led by United Wholesale Mortgage, and 1 closed USDA rural loans. 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 20 credit unions closed home loans in Santa Maria, California in 2025, alongside 85 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 Santa Maria, 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 Maria, 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 Maria. 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.
