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mortgage lenders · HMDA 2023–2025

Mortgage lenders in Santa Barbara County, California

Fat Boy Data analyzed home purchase mortgage activity in Santa Barbara County, California to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 6,114 applications were decided by 300 lenders between 2023 and 2025.

Santa Barbara County at a glance

300Active lenders56 with 20+ decisions
89.0%Market approval rate5,440 of 6,114 decided
$575KTypical loanmedian lender, $10K brackets
95%Borrower take-up5,175 loans funded

How Santa Barbara County compares

Approval rate compared
Santa Barbara County89.0%California88.4%All 616 counties87.6%
Typical loan compared
Santa Barbara County$575KCalifornia$555KAll 616 counties$335K

What the data shows

Guaranteed Rate, Inc. made the most home purchase mortgages in Santa Barbara County, CA, 325 of them.

Coastal Funding Slc, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 62.

Approval rate of all 56 lenders with 20+ decisions here
0%25%50%75%100%21St Mortgage Corporation: 42% approved of 71Flagstar Bank, National Association: 52% approved of 21Credit Human Federal Credit Union: 55% approved of 62Triad Financial Services, Inc.: 63% approved of 167Newrez LLC: 68% approved of 28Murphy Bank: 74% approved of 43Montecito Bank & Trust: 77% approved of 149BMO Bank National Association: 77% approved of 26Bank of America, National Association: 78% approved of 104Wells Fargo Bank, National Association: 81% approved of 84Fairway Independent Mortgage Corporation: 82% approved of 28U.S. Bank National Association: 82% approved of 136Ocmbc, Inc.: 83% approved of 46Leaderone Financial Corporation: 83% approved of 29PNC Bank, National Association: 83% approved of 41Kind Lending, LLC: 84% approved of 208Pennymac Loan Services, LLC: 84% approved of 57Navy Federal Credit Union: 85% approved of 34Freedom Mortgage Corporation: 87% approved of 61Nexera Holding LLC: 87% approved of 23Mortgage Research Center, LLC: 88% approved of 56Citadel Servicing Corporation: 88% approved of 24Plaza Home Mortgage, Inc.: 88% approved of 26Prosperity Home Mortgage, LLC: 89% approved of 63The Loan Store, Inc.: 89% approved of 54American Financial Network, Inc.: 89% approved of 27Rocket Mortgage, LLC: 89% approved of 237United Wholesale Mortgage, LLC: 89% approved of 811JPMorgan Chase Bank, National Association: 90% approved of 132American Pacific Mortgage Corporation: 91% approved of 23Cmg Mortgage, Inc.: 92% approved of 169Golden Empire Mortgage, Inc.: 92% approved of 86Sierra Pacific Mortgage Company, Inc.: 92% approved of 53Citibank, National Association: 95% approved of 41Charles Schwab Bank, SSB: 95% approved of 21MidFirst Bank: 95% approved of 44Coasthills: 96% approved of 24Clearedge Lending LLC: 96% approved of 24Morgan Stanley Private Bank, National Association: 96% approved of 50Community West Bank: 96% approved of 25Orange County's Federal Credit Union: 97% approved of 30First Colony Mortgage Corporation: 97% approved of 32Loandepot.Com, LLC: 97% approved of 229Movement Mortgage, LLC: 97% approved of 204Originpoint LLC: 98% approved of 85Guild Mortgage Company LLC: 98% approved of 189Crosscountry Mortgage, LLC: 99% approved of 151Guaranteed Rate, Inc.: 99% approved of 331Homeowners Financial Group USA, LLC: 99% approved of 134Coastal Funding Slc, Inc.: 100% approved of 62Community West Bank, National Association: 100% approved of 59Cornerstone Capital Bank, Ssb: 100% approved of 53Nations Lending Corporation: 100% approved of 52Paramount Residential Mortgage Group, Inc.: 100% approved of 47Envoy Mortgage, Ltd: 100% approved of 45V.I.P. Mortgage, Inc.: 100% approved of 23

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Mortgage lenders in Santa Barbara County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only89%723 / 81199%$565K719
2Guaranteed Rate, Inc.99%327 / 33199%$645K325
3Rocket Mortgage, LLC89%211 / 23799%$575K208
4Loandepot.Com, LLC97%222 / 22999%$535K220
5Kind Lending, LLC84%174 / 20898%$505K171

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 295 more lenders.

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You are seeing the 5 largest home purchase mortgage lenders in Santa Barbara County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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