Mortgage Lenders and Brokers in Santa Ynez, 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 Ynez, California mortgage lenders include Mechanics BankMechanics Bank3600 Sagunto St, Santa Ynez, CA 93460A+5.0 ★Texas Ratio: 1.81%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, Keypoint Credit UnionKeypoint Credit Union10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611A+5.0 ★Texas Ratio: 3.00%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, Kinecta Federal Credit UnionKinecta Federal Credit Union1040 E Imperial Hwy Ste F3, Brea, CA 92821A+5.0 ★Texas Ratio: 3.82%, and MidFirst BankMidFirst Bank16633 Ventura Blvd, Encino, CA 91436A+5.0 ★Texas Ratio: 4.93%. 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 Ynez, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Santa Ynez 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 Ynez, California
Market share is the lender's share of all home loans closed in Santa Ynez, 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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1 office in Santa Ynez 3600 Sagunto St, Santa Ynez, CA 93460 A+5.0 ★Texas Ratio: 1.81% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
2.9% | 100% | $1,615,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 6 +3 HELOCs |
8.7% | 75% | $696,666 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 4 | 5.8% | 66.7% | $1,345,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
2.9% | 100% | $900,000 | View |
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10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00% |
Conventional, HELOC | 1 +2 HELOCs |
1.4% | 100% | $285,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo | 1 | 1.4% | 100% | $1,505,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional | 1 | 1.4% | 100% | $205,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.4% | 100% | $545,000 | View |
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1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2520 W Olive Ave, Burbank, CA 91505 4527 A+5.0 ★Texas Ratio: 4.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
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 | |
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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 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, Jumbo | 2 | 2.9% | 100% | $1,200,000 | View |
Sierra Pacific Mortgage Co. Inc
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Conventional | 2 | 2.9% | 100% | $420,000 | |
ClearEdge Lending LLC
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Conventional, Jumbo | 2 | 2.9% | 100% | $845,000 | |
Coastal Funding SLC, Inc.
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Conventional, Jumbo | 2 | 2.9% | 100% | $1,155,000 | |
Kind Lending, LLC
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Conventional | 1 | 1.4% | 100% | $575,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 1.4% | 100% | $55,000 | |
loanDepot.com LLC
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Conventional | 1 | 1.4% | 100% | $805,000 | |
Intelliloan, Inc.
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Conventional, Jumbo | 1 | 1.4% | 100% | $1,305,000 | |
Cake Mortgage Corp.
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Conventional, Jumbo | 1 | 1.4% | 100% | $2,205,000 | |
JMAC Lending, Inc.
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Conventional, Jumbo | 1 | 1.4% | 100% | $1,185,000 | |
United Wholesale Mortgage
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Conventional, VA, Jumbo | 6 | 8.7% | 100% | $878,333 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo, HELOC | 3 +1 HELOCs |
4.3% | 100% | $951,666 | |
Rocket Mortgage
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Conventional | 3 | 4.3% | 75% | $258,333 | |
Prosperity Home Mortgage, LLC
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Conventional | 3 | 4.3% | 75% | $488,333 | |
Originpoint, LLC
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Conventional | 2 | 2.9% | 100% | $525,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 2 | 2.9% | 100% | $1,825,000 | View |
Movement Mortgage, LLC
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Conventional, Jumbo | 2 | 2.9% | 100% | $870,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional, Jumbo | 2 | 2.9% | 100% | $810,000 | View |
Discover Bank
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Conventional | 2 | 2.9% | 66.7% | $135,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
1.4% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 0.01% |
Conventional, Jumbo | 1 | 1.4% | 100% | $1,725,000 | View |
Newrez LLC
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Conventional | 1 | 1.4% | 25% | $755,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 1.4% | 100% | $815,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 1.4% | 100% | $745,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 1.4% | 50% | $725,000 | |
Utah Power Credit Union
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Conventional | 1 | 1.4% | 100% | $875,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.4% | 100% | $85,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional, Jumbo | 1 | 1.4% | 100% | $915,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 1.4% | 100% | $205,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 1.4% | 100% | $745,000 | |
Flyhomes Mortgage LLC
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Conventional | 1 | 1.4% | 100% | $395,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Gte 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 Ynez 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 Ynez, California
Looking for mortgage lenders near me or mortgage brokers near me in Santa Ynez? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Santa Ynez in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Santa Ynez, CA
Use these to narrow the list above. Each category shows how many Santa Ynez, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Santa Ynez, CA
Independent mortgage companies closed 60.9 percent of home loans in Santa Ynez, California in 2025, banks 29 percent and credit unions 10.1 percent. Change Lending was the largest mortgage company, Mechanics Bank the largest bank and The Golden 1 Credit Union the largest credit union. Among lenders headquartered in California, Mechanics Bank led with 2 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 Ynez, CA
By home loans closed in 2025, Mechanics Bank was the largest mortgage lender in Santa Ynez, California with 2 loans, about 2.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
1 lenders closed FHA loans in Santa Ynez, California in 2025, led by CrossCountry Mortgage, LLC with 1. 1 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.
Yes. 14 banks and 15 credit unions closed home loans in Santa Ynez, California in 2025, alongside 26 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 Ynez, 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 Ynez, 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 Ynez. 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.
