SANTA MARIA - SANTA BARBARA Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Santa Maria - Santa Barbara averaged 3.25% for the week of 2021-11-24, compared to the national average of 3.1% for the same period.

The average rate for the prior week (2021-11-18) was 3.25% and one month ago for the week of 2021-10-21, the average rate was 3.14%.

Santa Maria - Santa Barbara's average rate one year ago was 2.87%.

For refis of the same type during the week of 2021-11-24, the average rate was 3.12%.

Loan Type Date Rate
US 30 Year Fixed Rate 2021-11-24 3.1%
Santa Maria - Santa Barbara 30 Year Fixed Rate 2021-11-24 3.25%
Santa Maria - Santa Barbara 30 Year Fixed Rate Refi 2021-11-24 3.12%
Santa Maria - Santa Barbara 15 Year Fixed Rate 2021-11-24 2.84%
Santa Maria - Santa Barbara 15 Year Fixed Rate Refi 2021-11-24 2.49%
Santa Maria - Santa Barbara 30 Year FHA 2021-11-24 3.45%
Santa Maria - Santa Barbara 30 Year FHA Refi 2021-11-24 3.25%
Santa Maria - Santa Barbara 30 Year USDA 2021-11-24 3.36%
Santa Maria - Santa Barbara 30 Year USDA Refi 2021-11-24 3.28%
Santa Maria - Santa Barbara 30 Year VA 2021-11-24 3.24%
Santa Maria - Santa Barbara 30 Year VA Refi 2021-11-24 2.68%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within SANTA MARIA-SANTA BARBARA, CA.

SANTA MARIA - SANTA BARBARA Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the SANTA MARIA-SANTA BARBARA, CA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2020 Avg. 30yFix Rate 2020 Avg. Total Fees
QUICKEN LOANS, LLC 1,076 3.17% $5,405
UNITED WHOLESALE MORTGAGE, LLC 882 3.03% $5,583
Wells Fargo Bank, National Association 529 3.25% $3,889
HOMEBRIDGE FINANCIAL SERVICES, INC. 436 3.35% $6,349
CORNERSTONE HOME LENDING, INC. 428 3.12% $6,005
LOANDEPOT.COM, LLC 424 3.10% $4,788
JPMorgan Chase Bank, National Association 318 3.17% $5,289
CALIBER HOME LOANS, INC. 305 3.35% $4,552
GUILD MORTGAGE COMPANY 299 3.35% $4,941
FINANCE OF AMERICA MORTGAGE LLC 286 3.18% $5,269
HOMEOWNERS FINANCIAL GROUP USA, LLC 278 3.20% $5,171
LENDUS, LLC 259 3.30% $4,282
Sierra Pacific Mortgage Company, Inc. 229 3.08% $3,303
Bank of America, National Association 216 3.11% $5,032
DRAPER AND KRAMER MORTGAGE CORP. 215 3.27% $4,685
BROKER SOLUTIONS, INC. 214 3.24% $4,522
First Republic Bank 211 2.97% $5,979
COASTHILLS 203 3.19% $2,816
HOME POINT FINANCIAL CORPORATION 171 3.27% $4,521
GUARANTEED RATE, INC. 169 3.43% $4,821
CROSSCOUNTRY MORTGAGE, LLC 158 3.24% $4,885
Prosperity Home Mortgage, LLC 150 3.27% $5,508
MUFG Union Bank, National Association 141 3.33% $3,867
Fremont Bank 125 3.23% $3,546
ENVOY MORTGAGE, LTD 110 3.30% $4,086
PARKSIDE LENDING, LLC 102 3.29% $4,440
Flagstar Bank, FSB 100 3.27% $4,859
STEARNS LENDING, LLC 98 3.04% $4,575
COASTAL FUNDING SLC, INC. 97 3.42% $5,202
NEWREZ LLC 87 3.46% $4,456
MEGA CAPITAL FUNDING, INC. 86 3.16% $3,674
NATIONSTAR MORTGAGE LLC 81 3.34% $5,939
S1L, Inc. 76 3.11% $4,237
AMERICAN PACIFIC MORTGAGE CORPORATION 74 3.30% $5,499
Charles Schwab Bank, SSB 70 2.83% $3,310
Morgan Stanley Private Bank, National Association 70 2.87% $5,040
PENNYMAC LOAN SERVICES, LLC 68 3.14% $4,612
U.S. Bank National Association 62 3.21% $4,353
MUTUAL OF OMAHA MORTGAGE, INC. 60 3.40% $4,581
CMG MORTGAGE, INC. 60 3.23% $4,880
AMERISAVE MORTGAGE CORPORATION 58 2.84% $5,474
KINECTA 58 3.31% $4,599
BETTER MORTGAGE CORPORATION 56 2.83% $3,793
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 52 3.16% $5,094
Citibank, National Association 51 2.82% $6,007
CIT Bank, National Association 51 3.62% $5,812
CELEBRITY HOME LOANS, LLC 49 2.91% $4,191
CENTRAL COAST LENDING, INC. 45 3.11% $4,286
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 44 3.05% $3,912
First Bank 44 3.03% $4,243
BEST CAPITAL FUNDING 43 2.96% $3,761
Golden Empire Mortgage, Inc. 43 2.99% $8,135
PROVIDENT FUNDING ASSOCIATES, L.P. 43 3.03% $3,219
LADERA LENDING, INC. 41 3.15% $3,873
Bank of the West 40 3.39% $7,417
Barrington Bank & Trust Company, N.A. 38 3.14% $5,411
KEYPOINT 37 3.14% $4,366
DIGNIFIED HOME LOANS, LLC 36 3.25% $6,005
WINNPOINTE CORPORATION 36 2.88% $197
City National Bank 35 3.07% $5,736
Stifel Bank and Trust 32 2.98% $3,287
DEL SUR CORPORATION 30 3.13% $5,924
ANGEL OAK MORTGAGE SOLUTIONS LLC 30 4.21% $7,819
MOVEMENT MORTGAGE, LLC 29 3.16% $5,669
SESLOC 29 3.14% $3,299
Ally Bank 27 3.23% $5,577
PNC Bank, National Association 26 3.38% $4,930
THE GOLDEN 1 26 3.31% $5,527
CHERRY CREEK MORTGAGE, LLC 25 3.04% $990
NBKC BANK 25 3.27% $2,164
Mechanics Bank 25 3.47% $3,387
UBS Bank USA 25 3.01% $5,491
Watermark Capital, Inc. 25 2.92% $2,733
GENEVA FINANCIAL, LLC 25 3.33% $7,563
JMAC LENDING, INC. 23 3.21% $6,252
PRIMELENDING, A PLAINSCAPITAL COMPANY 23 3.43% $5,125
MidFirst Bank 22 3.67% $18,152
Nations Lending Corporation 21 2.98% $6,320
AMERICAN FINANCIAL NETWORK, INC. 21 3.20% $5,435
IMPAC MORTGAGE CORP. 20 3.21% $572
Paramount Residential Mortgage Group, Inc. 20 3.30% $5,175
NETWORK CAPITAL FUNDING CORPORATION 19 2.95% $3,949
Strong Home Mortgage, LLC 19 3.13% $1,818
Commerce Home Mortgage, Inc. 18 3.17% $5,154
MASON MCDUFFIE MORTGAGE CORPORATION 18 3.24% $4,776
MLD MORTGAGE INC. 18 2.79% $3,599
TIAA, FSB 16 3.30% $4,943
MORTGAGE CAPITAL PARTNERS, INC. 16 3.19% $4,284
NAVY FEDERAL CREDIT UNION 16 3.41% $6,887
FREEDOM MORTGAGE CORPORATION 15 3.48% $4,186
EVERETT FINANCIAL, INC. 15 3.01% $2,375
Wyndham Capital Mortgage, Inc. 14 2.85% $2,268
OAKTREE FUNDING CORP. 14 3.15% $9,578
BBVA USA 14 3.33% $6,003
LOANPAL, LLC 14 3.18% $4,293
BAY EQUITY LLC 14 3.01% $4,515
The Northern Trust Company 13 2.90% $5,262
HighTechLending Inc 12 3.24% $3,566
FirstBank 12 3.10% $3,076
Cf Bank, National Association 12 2.94% $1,721
CBC Federal Credit Union 11 3.19% $6,986
KD CAPITAL MORTGAGE CORPORATION 11 3.10% $5,444
BNY Mellon, National Association 11 2.73% $4,857
KINGS MORTGAGE SERVICES, INC. 11 3.19% $3,529
Truist Bank 10 3.53% $3,564
LENDERFI, INC. 10 3.08% $1,310
NMSI, INC. 10 3.46% $9,744
SCHOOLSFIRST 10 3.45% $3,563
PENTAGON FEDERAL CREDIT UNION 10 3.15% $4,476
ALAMEDA MORTGAGE CORPORATION 10 3.32% $4,809
HSBC BANK USA, NATIONAL ASSOCIATION 10 2.84% $5,311
LAND HOME FINANCIAL SERVICES, INC. 9 3.22% $4,299
AMERICAN INTERNET MORTGAGE, INC. 9 3.18% $3,015
USAA Federal Savings Bank 9 3.75% $5,092
BAY-VALLEY MORTGAGE GROUP 9 3.47% $9,359
PRIMARY RESIDENTIAL MORTGAGE, INC. 9 3.16% $5,635
First Savings Bank 9 3.13% $6,003
North American Savings Bank, F.S.B. 9 2.85% $2,777
SOVEREIGN LENDING GROUP INCORPORATED 9 2.88% $5,177
Goldman Sachs Bank USA 8 2.88% $9,739
LOGIX FEDERAL CREDIT UNION 8 3.23% $3,574
TOP FLITE FINANCIAL, INC. 8 3.08% $5,754
SUMMIT FUNDING, INC. 8 3.44% $3,734
Servion, Inc. 8 3.75% $3,310
ONY GLO, INC. 8 3.00% $2,864
ZILLOW HOME LOANS, LLC 7 2.93% $2,882
HOMESIDE FINANCIAL, LLC 7 3.09% $6,149
Amerifirst Financial, Inc. 7 3.68% $4,117
Northpointe Bank 7 3.07% $3,260
SUN WEST MORTGAGE COMPANY, INC. 7 3.18% $0
PLAZA HOME MORTGAGE, INC. 7 3.07% $4,460
Raymond James Bank, National Association 7 3.11% $3,034
First Guaranty Mortgage Corporation 7 3.04% $3,546
MICHIGAN MUTUAL, INC. 7 2.98% $7,943
Luther Burbank Savings 7 3.64% $6,419
MID AMERICA MORTGAGE, INC. 7 3.34% $2,818
SOFI LENDING CORP. 7 3.39% $6,069
GOOGAIN, INC. 6 3.17% $2,862
ARK-LA-TEX FINANCIAL SERVICES, LLC. 6 3.33% $7,420
OCMBC, INC. 6 3.10% $5,235
CHURCHILL MORTGAGE CORPORATION 6 3.44% $3,830
Carrington Mortgage Services, LLC 6 3.63% $6,924
Utah Mortgage Loan Corporation 6 2.83% $4,152
Umpqua Bank 6 3.00% $7,992
InterContinental Capital Group, Inc 6 2.75% $4,138
SUMMIT MORTGAGE BANKERS INC. 6 3.06% $2,296
GUARANTEED RATE AFFINITY, LLC 6 2.96% $4,868
General Mortgage Capital Corporation 6 3.50% $3,141
MOUNTAIN WEST FINANCIAL, INC. 6 3.46% $6,612
REDWOOD 5 3.25% $3,440
Florida Capital Bank, National Association 5 3.25% $4,360
Franklin Loan Corporation 5 3.13% $3,612
First Mortgage Solutions, LLC 5 3.10% $2,255
FIRST CENTENNIAL MORTGAGE CORPORATION 5 2.95% $3,745
LENOX FINANCIAL MORTGAGE CORPORATION 5 3.03% $2,660
PLANET HOME LENDING, LLC 5 3.53% $4,559
AMERICAN FINANCING CORPORATION 5 3.43% $4,119
RESIDENTIAL WHOLESALE MORTGAGE, INC. 5 2.98% $3,440
Comerica Bank 5 3.05% $7,292
Silicon Valley Bank 5 2.30% $5,367
BM Real Estate Services, Inc. 5 3.92% $7,435
The Federal Savings Bank 5 3.03% $6,255
NEXERA HOLDING LLC 5 3.08% $9,152
Kwik Mortgage Corporation 5 2.98% $1,295
ARC HOME LLC 5 3.08% $5,313
TRI-EMERALD FINANCIAL GROUP, INC. 5 3.05% $2,204
ABSOLUTE HOME MORTGAGE CORPORATION 5 2.82% $2,581
STAR ONE CREDIT UNION 4 3.19% $2,912
CUSTOMER SERVICE MORTGAGE CORPORATION 4 2.92% $3,538
Prime Choice Funding Inc. 4 3.22% $5,082
Platinum Home Mortgage Corporation 4 3.34% $5,727
FIRST TECHNOLOGY 4 3.38% $6,454
NEW WAVE LENDING GROUP INC 4 3.25% $4,136
NATIONWIDE MORTGAGE BANKERS, INC. 4 2.84% $7,637
BOKF, National Association 4 3.13% $3,228
ALLIANT CREDIT UNION 4 3.38% $5,236
LOANLEADERS OF AMERICA, INC. 4 3.00% $5,939
WESCOM CENTRAL CREDIT UNION 4 3.69% $3,600
Financial Partners Credit Union 4 3.28% $3,940
KeyBank National Association 4 3.00% $4,173
Axos Bank 4 4.53% $21,413
5TH STREET CAPITAL, INC. 3 5.33% $15,509
Ameris Bank 3 2.88% $3,974
Arvest Bank 3 3.17% $2,149
Bank of England 3 3.33% $2,748
Bank of Hope 3 3.08% $3,357
BMO Harris Bank National Association 3 2.92% $6,655
BNC National Bank 3 3.04% $3,242
Boston Private Bank & Trust Company 3 3.29% $7,141
CALIFORNIA CREDIT UNION 3 3.08% $2,879
CAPSTONE DIRECT, INC. 3 2.91% $3,822
CIBC Bank USA 3 2.67% $4,933
Constant Investments, Inc. 3 3.04% $4,313
DHI MORTGAGE COMPANY, LTD. 3 3.04% $3,950
EMBRACE HOME LOANS, INC. 3 2.87% $8,127
Equity Prime Mortgage LLC 3 3.29% $2,771
FIRST CHOICE LOAN SERVICES INC. 3 3.42% $1,390
HOME APPROVALS DIRECT, INC. 3 3.37% $5,514
HOME FUNDING CORPORATION 3 3.25% $5,339
Hometown Equity Mortgage, LLC 3 3.04% $7,541
INTELLILOAN, INC. 3 3.62% $4,732
JMJ FINANCIAL GROUP 3 3.33% $6,961
LAKEVIEW LOAN SERVICING, LLC 3 3.25% $2,774
LENDSURE MORTGAGE CORP. 3 5.50% $22,230
Luxury Mortgage Corp. 3 3.25% $17,617
NexBank 3 3.38% $11,542
NFM, INC. 3 3.13% $4,802
NORTHROP GRUMMAN Federal Credit Union 3 3.29% $4,711
Northwest Farm Credit Services, FLCA 3 3.70% $23,924
Pacific Lending LLC 3 3.17% $3,985
PHH Mortgage Corporation 3 3.25% $8,536
PIKE CREEK MORTGAGE SERVICES, INC. 3 2.50% $2,887
Shea Mortgage Inc. 3 3.08% $2,542
S&S Financial 3 3.50% $1,960
ST FIN CORP 3 2.71% $5,023
THE FIRST FINANCIAL Federal Credit Union 3 3.46% $2,685
V.I.P. MORTGAGE, INC. 3 3.12% $3,236
WESTERN EXPRESS LENDING 3 3.00% $3,377
FIRST ENTERTAINMENT 2 3.13% $2,107
WALL STREET MORTGAGE BANKERS, LTD. 2 3.06% $9,043
FOOTHILL FEDERAL CREDIT UNION 2 3.13% $2,156
The Loan Store, Inc. 2 3.00% $4,431
KELLER MORTGAGE, LLC 2 3.00% $3,250
Third Federal Savings and Loan Association of Cleveland 2 3.39% $3,419
THRIVENT Federal Credit Union 2 2.88% $4,588
Semper Home Loans, Inc. 2 3.13% $4,384
TJC Mortgage, Inc. 2 3.00% $7,695
Provident Credit Union 2 2.94% $1,842
COUNTRY CLUB MORTGAGE, INC. 2 2.88% $4,184
Zions Bancorporation, N.A. 2 3.81% $4,596
Tri Counties Bank 2 3.75% $5,419
ANGEL OAK HOME LOANS LLC 2 3.06% $3,429
Cornerstone First Mortgage, Inc 2 3.19% $10,487
WESTCOAST MORTGAGE GROUP AND REALTY COMPANY 2 2.81% $3,006
SIRVA MORTGAGE, INC. 2 3.63% $0
Plains Commerce Bank 2 2.88% $1,293
FISHER FINANCIAL GROUP, INCORPORATED 2 3.25% $1,538
HOMESTEAD FUNDING CORP. 2 2.75% $3,077
RBC Bank, (Georgia) National Association 2 3.06% $2,886
AMERICAN HERITAGE LENDING, INC. 2 2.81% $2,946
SRE MORTGAGE ALLIANCE INC. 2 2.81% $2,054
ADVANCIAL 2 5.06% $4,765
VALLEY STRONG CREDIT UNION 2 3.19% $6,993
EMM LOANS LLC 2 3.94% $6,027
Citadel Servicing Corporation 2 6.62% $16,136
VENTURA COUNTY 2 3.50% $3,784
VICTORIA FINANCIAL CORP. 2 2.94% $2,926
CANOPY MORTGAGE, LLC 2 3.19% $2,951
VISION ONE MORTGAGE, INC. 2 2.75% $7,770
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 2 3.13% $7,836
PANORAMA MORTGAGE GROUP, LLC 2 3.00% $3,223
First Internet Bank of Indiana 2 3.31% $2,392
WALL FINANCIAL, INC. 2 2.94% $3,555
Merchants Bank of Indiana 2 2.94% $3,056
Manufacturers and Traders Trust Company 2 3.19% $3,865
NATIONS DIRECT MORTGAGE, LLC 2 3.44% $6,250
Greenbox Loans, Inc. 2 5.50% $23,417
ROYAL UNITED MORTGAGE LLC 2 3.19% $11,730
GoPrime Mortgage, Inc. 2 2.94% $9,450
Neighborhood Loans, Inc. 2 3.13% $5,452
LOANFLIGHT LENDING, LLC 2 3.00% $3,990
TECHNOLOGY 2 3.38% $5,336
DIRECTORS MORTGAGE, INC. 1 3.00% $6,993
SECURITYNATIONAL MORTGAGE COMPANY 1 3.88% $8,236
DATA MORTGAGE, INC. 1 2.88% $4,229
CITYWIDE HOME LOANS, LLC 1 2.88% $3,179
City National Bank of Florida 1 3.38% $6,430
SOUTHLAND CREDIT UNION 1 2.88% $4,009
Citizens Bank, National Association 1 3.88% $4,146
SPRING EQ, LLC 1 2.63% $9,934
STANFORD Federal Credit Union 1 2.88% $21,770
A&D Mortgage LLC 1 3.25% $21,634
CALTECH EMPLOYEES FEDERAL CREDIT UNION 1 3.38% $6,643
California Coast Credit Union 1 4.75% $3,319
CALCULATED RISK ANALYTICS LLC 1 4.50% $11,586
CALCON MUTUAL MORTGAGE LLC 1 3.25% $3,895
SUN AMERICAN MORTGAGE COMPANY 1 2.50% $4,300
Boeing Employees Credit Union 1 3.00% $11,648
TCF National Bank 1 2.75% $6,519
Bethpage Federal Credit Union 1 3.38% $5,041
XCEED FINANCIAL 1 3.00% $6,084
BEST FINANCE CAPITAL, INC. 1 2.88% $3,250
BELEM SERVICING LLC 1 2.63% $3,660
BAYSHORE MORTGAGE FUNDING, LLC 1 3.63% $5,196
ATHAS CAPITAL GROUP, INC. 1 7.63% $10,679
TOWNE MORTGAGE COMPANY 1 3.00% $12,071
TRAVIS CREDIT UNION 1 2.50% $2,730
ANDREWS FEDERAL CREDIT UNION 1 2.38% $3,220
AmeriHome Mortgage Company, LLC 1 3.13% $3,986
UMB Bank, National Association 1 3.01% $5,628
AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 2.75% $2,930
United Fidelity Funding Corp. 1 3.38% $5,214
American Mortgage & Equity Consultants, Inc. 1 3.50% $3,288
Unitus Community Credit Union 1 3.13% $4,156
AMERICAN FIRST 1 2.88% $3,559
AMERICAN FINANCIAL RESOURCES, INC. 1 3.75% $7,308
VANDERBILT MORTGAGE AND FINANCE, INC. 1 2.50% $2,105
VAN DYK MORTGAGE CORPORATION 1 3.25% $6,865
ACADEMY MORTGAGE CORPORATION 1 3.13% $3,164
MORTGAGE 2000, INC. 1 3.75% $5,493
MORTGAGE MANAGEMENT CONSULTANTS, INC. 1 2.75% $3,099
MISSION 1 3.63% $2,071
MERCO Credit Union 1 3.63% $4,461
Magnolia Bank 1 3.50% $7,431
NATIONS RELIABLE LENDING, LLC 1 3.50% $5,057
Low VA Rates, LLC 1 2.75% $2,365
LOANSNAP, INC. 1 3.37% $361
Lend Smart Mortgage, LLC 1 3.88% $4,096
NBH Bank 1 3.25% $3,848
LENDING 3, INC. 1 2.75% $4,060
Leader Bank, National Association 1 3.38% $4,389
Lakeview Community Capital, LLC 1 3.25% $2,601
NEW WEST LENDING, INC. 1 2.38% $2,760
KS StateBank 1 3.50% $1,438
IVY MORTGAGE, INC. 1 3.00% $2,245
ISERVE RESIDENTIAL LENDING, LLC 1 3.63% $4,569
AHL FUNDING 1 2.88% $3,941
Waterstone Mortgage Corporation 1 2.88% $2,767
Northwest Federal Credit Union 1 3.50% $3,707
NOVA FINANCIAL & INVESTMENT CORPORATION 1 3.63% $1,187
NP, Inc. 1 3.12% $2,829
INTERNATIONAL CITY MORTGAGE, INC. 1 2.75% $4,409
ON Q FINANCIAL, INC. 1 3.13% $4,897
GUARANTY HOME MORTGAGE CORPORATION 1 2.88% $2,468
ORANGE COUNTY'S CREDIT UNION 1 3.38% $11,991
AFFINITY 1 2.88% $5,297
PACIFIC SERVICE 1 2.75% $3,921
Paramount Bank 1 3.00% $0
PARTNERS UNITED FINANCIAL, LLC 1 3.00% $3,980
GOLDEN WEST ALLIANCE, INC. 1 2.75% $3,807
Advisors Mortgage Group, L.L.C. 1 2.75% $3,050
First Western Trust Bank 1 3.50% $4,463
First State Bank of St. Charles, Missouri 1 2.75% $2,222
PREMIA MORTGAGE, LLC 1 3.25% $3,396
PREMIER AMERICA 1 3.50% $17,861
PREMIER MORTGAGE RESOURCES, L.L.C. 1 2.75% $4,238
First Federal Bank of Kansas City 1 3.38% $6,006
FIRST COMMUNITY MORTGAGE, INC. 1 3.00% $0
PRIMUS LENDING CORP. 1 2.63% $2,534
Firefighters First Federal Credit Union 1 2.63% $0
Financial Funding Solutions, Inc. 1 2.50% $4,480
Provident Savings Bank, F.S.B. 1 3.50% $3,220
FEDEX EMPLOYEES CREDIT ASSOCIATION 1 4.13% $6,200
F&A Federal Credit Union 1 3.38% $0
Reliant Bank 1 3.25% $6,797
Republic Bank & Trust Company 1 3.38% $2,767
Educational Employees Credit Union 1 3.63% $4,329
Royal Business Bank 1 4.88% $4,769
EAGLE HOME MORTGAGE, LLC 1 3.75% $3,528
SAFE CREDIT UNION 1 3.38% $8,486
SAN DIEGO COUNTY CREDIT UNION 1 2.88% $0
San Mateo Credit Union 1 3.13% $0

SANTA MARIA-SANTA BARBARA, CA's 352 lenders originated 19,154 loans during 2020. The total origination value was $9,752,110,000, with an average loan value of $509,142.

The top SANTA MARIA - SANTA BARBARA lender as defined by loan originations is QUICKEN LOANS, LLC, with 1,076 loans originated. Their average total fees are $5,405, which is $179 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee SANTA MARIA - SANTA BARBARA lenders (with over 10 loans originated) are WINNPOINTE CORPORATION ($197), IMPAC MORTGAGE CORP. ($572), CHERRY CREEK MORTGAGE, LLC ($990), LENDERFI, INC. ($1,310) and Cf Bank, National Association ($1,721).

The lowest rate SANTA MARIA - SANTA BARBARA lenders (with over 10 loans originated) are BNY Mellon, National Association (2.73%), MLD MORTGAGE INC. (2.79%), Citibank, National Association (2.82%), Charles Schwab Bank, SSB (2.83%) and BETTER MORTGAGE CORPORATION (2.83%).

SANTA MARIA-SANTA BARBARA, CA Lender Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2019 Loan Value 2020 Loan Value % Change 2020 Market Share
Quicken Loans $255,380,000 $721,735,000 182.6% 7.4%
WELLS FARGO BANK NA $494,725,000 $552,010,000 11.6% 5.7%
United Shore Financial Services LLC $321,825,000 $515,650,000 60.2% 5.3%
JPMorgan Chase Bank, NA $321,730,000 $432,355,000 34.4% 4.4%
FIRST REPUBLIC BANK $240,375,000 $403,165,000 67.7% 4.1%
Bank of America NA $324,950,000 $325,885,000 0.3% 3.3%
HomeBridge Financial Services, Inc. $152,875,000 $291,415,000 90.6% 3.0%
CORNERSTONE HOME LENDING, INC. $134,250,000 $283,400,000 111.1% 2.9%
loanDepot LLC $123,780,000 $263,680,000 113.0% 2.7%
Caliber Home Loans Inc $162,715,000 $205,210,000 26.1% 2.1%
Guild Mortgage Company $128,330,000 $194,730,000 51.7% 2.0%
Finance of America Mortgage LLC $80,550,000 $179,575,000 122.9% 1.8%
Homeowners Financial Group $39,620,000 $165,365,000 317.4% 1.7%
MUFG Union Bank, NA $219,925,000 $143,910,000 -34.6% 1.5%
LendUS LLC dba RPM Mortgage $61,865,000 $142,165,000 129.8% 1.5%
New American Funding (dba for Broker Solutions Inc) $51,455,000 $138,900,000 169.9% 1.4%
Guaranteed Rate Inc. $75,330,000 $134,830,000 79.0% 1.4%
Freedom Mortgage Corporation $44,160,000 $133,470,000 202.2% 1.4%
Draper and Kramer Mortgage Corp. $43,630,000 $122,695,000 181.2% 1.3%
Citibank, N.A. $80,675,000 $121,245,000 50.3% 1.2%
Sierra Pacific Mortgage $65,375,000 $120,790,000 84.8% 1.2%
Home Point Financial Corporation $9,820,000 $107,870,000 998.5% 1.1%
Morgan Stanley Private Bank NA $100,975,000 $107,700,000 6.7% 1.1%
Prosperity Home Mortgage LLC $7,810,000 $103,200,000 1,221.4% 1.1%
Montecito Bank & Trust $427,035,000 $96,095,000 -77.5% 1.0%
COASTHILLS CREDIT UNION $56,175,000 $90,475,000 61.1% 0.9%
City National Bank $76,490,000 $81,445,000 6.5% 0.8%
Charles Schwab Bank $41,385,000 $80,860,000 95.4% 0.8%
CMG Mortgage Inc. $59,625,000 $71,175,000 19.4% 0.7%
Nationstar Mortgage $24,940,000 $68,045,000 172.8% 0.7%
US BANK, N.A. $53,145,000 $67,840,000 27.7% 0.7%
Fremont Bank $23,215,000 $67,315,000 190.0% 0.7%
Greystone Servicing Corporation, Inc. $62,965,000 n/a 0.6%
NEWREZ LLC $31,945,000 $62,895,000 96.9% 0.6%
PENNYMAC LOAN SERVICES LLC $20,445,000 $60,170,000 194.3% 0.6%
Stearns Lending $26,325,000 $60,020,000 128.0% 0.6%
Envoy Mortgage Ltd. $24,905,000 $59,220,000 137.8% 0.6%
Flagstar Bank $30,740,000 $58,740,000 91.1% 0.6%
American Pacific Mortgage Corporation $33,650,000 $57,025,000 69.5% 0.6%
BANK OF THE WEST $51,050,000 $49,850,000 -2.4% 0.5%
MidFirst Bank $65,730,000 $49,735,000 -24.3% 0.5%
Parkside Lending LLC $21,410,000 $49,235,000 130.0% 0.5%
CIT BANK N.A. $41,230,000 $47,935,000 16.3% 0.5%
American Riviera Bank $15,340,000 $47,185,000 207.6% 0.5%
WALKER & DUNLOP, LLC $8,300,000 $46,115,000 455.6% 0.5%
BM REAL ESTATE SERVICES, INC. $20,105,000 $45,800,000 127.8% 0.5%
Coastal Funding SLC Inc. $20,110,000 $43,900,000 118.3% 0.5%
Goldman Sachs Bank USA $28,705,000 $42,005,000 46.3% 0.4%
Synergy One Lending $43,385,000 $40,020,000 -7.8% 0.4%
Better Mortgage Corporation $7,270,000 $39,620,000 445.0% 0.4%
KINECTA FEDERAL CREDIT UNION $12,655,000 $39,455,000 211.8% 0.4%
UBS Bank USA $32,490,000 $37,560,000 15.6% 0.4%
Amerisave Mortgage Corporation $5,120,000 $37,495,000 632.3% 0.4%
Mechanics Bank $24,470,000 $33,440,000 36.7% 0.3%
Golden Empire Mortgage, Inc. $17,090,000 $32,075,000 87.7% 0.3%
PNC BANK NA $15,655,000 $31,430,000 100.8% 0.3%
Stifel Bank and Trust $12,900,000 $29,860,000 131.5% 0.3%
FAIRWAY INDEPENDENT MORT CORP $15,450,000 $27,200,000 76.1% 0.3%
Del Sur Corp DBA: Camino Real Mortgage Bankers $21,820,000 $26,925,000 23.4% 0.3%
Finance of America Reverse LLC $23,730,000 $26,595,000 12.1% 0.3%
Midwest Equity Mortgage LLC $3,175,000 $25,785,000 712.1% 0.3%
The Northern Trust Company $10,445,000 $25,645,000 145.5% 0.3%
Cardinal Financial Company LP $9,310,000 $25,465,000 173.5% 0.3%
Farmers and Merchants Bank $21,390,000 $25,015,000 16.9% 0.3%
Mortgage Research Center LLC $15,595,000 $24,270,000 55.6% 0.2%
Lakeview Loan Servicing, LLC $6,210,000 $23,665,000 281.1% 0.2%
Barrington Bank & Trust $8,855,000 $23,105,000 160.9% 0.2%
Capital One, NA $23,035,000 n/a 0.2%
KeyPoint Credit Union $16,210,000 $23,015,000 42.0% 0.2%
Provident Funding Associates $9,760,000 $22,010,000 125.5% 0.2%
Dignified Home Loans, LLC $6,360,000 $21,805,000 242.8% 0.2%
The Golden 1 Credit Union $12,705,000 $21,175,000 66.7% 0.2%
COMPASS BANK $9,035,000 $21,070,000 133.2% 0.2%
USAA FEDERAL SAVINGS BANK $20,505,000 $19,885,000 -3.0% 0.2%
NAVY FEDERAL CREDIT UNION $16,380,000 $19,635,000 19.9% 0.2%
Interactive Mortgage $5,945,000 $19,450,000 227.2% 0.2%
MOVEMENT MORTGAGE, LLC $13,340,000 $19,155,000 43.6% 0.2%
HSBC BANK USA, NA $3,655,000 $19,055,000 421.3% 0.2%
Angel Oak Mortgage Solutions $5,920,000 $18,090,000 205.6% 0.2%
MLD Mortgage Inc. $3,740,000 $17,965,000 380.3% 0.2%
American Financial Network Inc. $12,520,000 $17,450,000 39.4% 0.2%
TIAA, FSB $16,455,000 $17,055,000 3.6% 0.2%
COMERICA BANK $3,170,000 $16,865,000 432.0% 0.2%
BNY MELLON, N.A. $13,520,000 $16,835,000 24.5% 0.2%
LUTHER BURBANK SAVINGS $14,640,000 $16,630,000 13.6% 0.2%
Ladera Lending, Inc. $5,345,000 $16,545,000 209.5% 0.2%
Community West Bank NA $11,425,000 $16,210,000 41.9% 0.2%
Clearpath Lending $4,380,000 $16,015,000 265.6% 0.2%
Axos Bank $17,740,000 $15,630,000 -11.9% 0.2%
CARRINGTON MORTGAGE SERVICES $14,410,000 $15,075,000 4.6% 0.2%
Cherry Creek Mortgage Co. Inc. $4,190,000 $15,050,000 259.2% 0.2%
BMO Harris Bank N.A. $1,180,000 $15,035,000 1,174.2% 0.2%
Best Capital Funding $1,205,000 $14,830,000 1,130.7% 0.2%
Paramount Residential Mortgage Group Inc. $5,505,000 $14,285,000 159.5% 0.1%
NBKC Bank $4,980,000 $14,210,000 185.3% 0.1%
5th Street Capital, Inc. $32,275,000 $13,735,000 -57.4% 0.1%
SANTA BARBARA TEACHERS FEDERAL CREDIT UNION $7,220,000 $13,495,000 86.9% 0.1%
Silicon Valley Bank $13,445,000 n/a 0.1%
Mid America Mortgage Inc. $4,660,000 $13,310,000 185.6% 0.1%
Geneva Financial LLC $12,325,000 $13,020,000 5.6% 0.1%
Supreme Lending/ Everett Financial Inc. $8,140,000 $13,015,000 59.9% 0.1%
Impac Mortgage Corp. dba CashCall Mortgage $19,820,000 $12,815,000 -35.3% 0.1%
AAG $9,025,000 $12,645,000 40.1% 0.1%
Commerce Home Mortgage Inc. $1,850,000 $12,560,000 578.9% 0.1%
Berkadia Commercial Mortgage $6,705,000 $12,470,000 86.0% 0.1%
JMAC Lending Incorporated $32,590,000 $12,385,000 -62.0% 0.1%
Boston Private Bank & Trust Company $905,000 $12,310,000 1,260.2% 0.1%
Sun West Mortgage Company Inc. $6,325,000 $11,630,000 83.9% 0.1%
Watermark Home Loans $3,555,000 $11,415,000 221.1% 0.1%
TCF National Bank $16,430,000 $11,410,000 -30.6% 0.1%
HighTechLending Inc. $5,500,000 $11,390,000 107.1% 0.1%
SESLOC Federal Credit Union $3,940,000 $11,005,000 179.3% 0.1%
The Federal Savings Bank $1,825,000 $10,905,000 497.5% 0.1%
Village Capital & Investment $1,115,000 $10,485,000 840.4% 0.1%
Umpqua Bank $7,495,000 $10,370,000 38.4% 0.1%
Nations Lending Corporation $2,320,000 $10,155,000 337.7% 0.1%
LoanPal $8,210,000 $10,075,000 22.7% 0.1%
AmWest Funding Corp. $4,080,000 $9,895,000 142.5% 0.1%
Intercontinental Capital Group, Inc. $3,195,000 $9,730,000 204.5% 0.1%
PRIMELENDING $4,230,000 $9,645,000 128.0% 0.1%
Mortgage Capital Partners Inc $925,000 $9,440,000 920.5% 0.1%
Network Capital Funding Corporation $4,500,000 $9,420,000 109.3% 0.1%
Mason-McDuffie Mortgage Corporation $2,585,000 $9,300,000 259.8% 0.1%
Pentagon Federal Credit Union $5,470,000 $9,275,000 69.6% 0.1%
North American Savings Bank $4,560,000 $9,265,000 103.2% 0.1%
Alliant Credit Union $5,820,000 $9,150,000 57.2% 0.1%
Bay Equity LLC $2,805,000 $8,685,000 209.6% 0.1%
AimLoan.com $2,750,000 $8,575,000 211.8% 0.1%
CBRE Multifamily Capital, Inc. $8,005,000 n/a 0.1%
Oaktree Funding Corporation $1,105,000 $7,875,000 612.7% 0.1%
CBC Federal Credit Union $1,050,000 $7,790,000 641.9% 0.1%
Cf Bank National Association $790,000 $7,410,000 838.0% 0.1%
Logix Federal Credit Union $4,395,000 $7,185,000 63.5% 0.1%
Raymond James Bank National Association $13,150,000 $7,105,000 -46.0% 0.1%
Wyndham Capital Mortgage $1,185,000 $7,065,000 496.2% 0.1%
CITIZENS BUSINESS BANK $1,555,000 $6,925,000 345.3% 0.1%
Drop Mortgage $3,965,000 $6,895,000 73.9% 0.1%
FirstBank $2,470,000 $6,850,000 177.3% 0.1%
Branch Banking And Trust Co $5,740,000 $6,750,000 17.6% 0.1%
Northpointe Bank $415,000 $6,230,000 1,401.2% 0.1%
Greenbox Loans Inc. $11,330,000 $6,175,000 -45.5% 0.1%
NMSI Inc $6,160,000 n/a 0.1%
RED MORTGAGE CAPITAL, LLC $6,105,000 n/a 0.1%
Kings Mortgage Services Inc. $2,100,000 $6,015,000 186.4% 0.1%
Plaza Home Mortgage Inc. $1,150,000 $5,965,000 418.7% 0.1%
Bay Valley Mortgage Group DBA Pacific Bay Lending Group $4,160,000 $5,955,000 43.1% 0.1%
SchoolsFirst Federal Credit Union $2,745,000 $5,900,000 114.9% 0.1%
Sovereign Lending Group, Inc $4,075,000 $5,855,000 43.7% 0.1%
LenderFi, Inc. $1,935,000 $5,800,000 199.7% 0.1%
Northwest Farm Credit Services, FLCA $5,685,000 n/a 0.1%
Hometown Equity Mortgage LLC $5,630,000 n/a 0.1%
M&T Bank $1,675,000 $5,615,000 235.2% 0.1%
Planet Home Lending LLC $600,000 $5,535,000 822.5% 0.1%
First Savings Bank $5,510,000 n/a 0.1%
NewDay Financial LLC dba NewDay USA $6,285,000 $5,350,000 -14.9% 0.1%
Citadel Servicing Corporation $8,615,000 $5,345,000 -38.0% 0.1%
OGI Mortgage Bankers $1,750,000 $5,190,000 196.6% 0.1%
Land Home Financial Services Inc. $870,000 $5,125,000 489.1% 0.1%
Ark-La-Tex Financial Services LLC $1,820,000 $5,110,000 180.8% 0.1%
BNC NATIONAL BANK $2,005,000 $5,020,000 150.4% 0.1%
Lakeview Community Capital, LLC $720,000 $5,015,000 596.5% 0.1%
KeyBank National Association $3,370,000 $4,910,000 45.7% 0.1%
Financial Partners Credit Union $4,685,000 n/a 0.0%
Summit Funding Inc. $3,940,000 $4,535,000 15.1% 0.0%
Royal Business Bank $645,000 $4,520,000 600.8% 0.0%
Alameda Mortgage Corporation $2,050,000 $4,330,000 111.2% 0.0%
NEW WAVE LENDING GROUP INC $890,000 $4,260,000 378.7% 0.0%
top flite financial, inc. $880,000 $4,120,000 368.2% 0.0%
Amerifirst Financial Inc. $11,870,000 $3,985,000 -66.4% 0.0%
SoFi Lending Corp $1,515,000 $3,980,000 162.7% 0.0%
Lantzman Lending $235,000 $3,965,000 1,587.2% 0.0%
Mountain West Financial Inc. $4,050,000 $3,915,000 -3.3% 0.0%
Quorum Federal Credit Union $820,000 $3,910,000 376.8% 0.0%
FJM Private Mortgage Fund, LLC $10,630,000 $3,905,000 -63.3% 0.0%
KD Capital Mortgage Corp. $840,000 $3,895,000 363.7% 0.0%
WEI Mortgage LLC $515,000 $3,865,000 650.5% 0.0%
Guaranteed Rate Affinity LLC $2,720,000 $3,810,000 40.1% 0.0%
Googain Inc. $1,425,000 $3,800,000 166.7% 0.0%
METROPOLITAN HOME MORTGAGE $1,420,000 $3,770,000 165.5% 0.0%
Primary Residential Mortgage Inc. $1,055,000 $3,755,000 255.9% 0.0%
PHH MORTGAGE CORPORATION $795,000 $3,745,000 371.1% 0.0%
Homeside Financial LLC $1,205,000 $3,705,000 207.5% 0.0%
Redwood Credit Union $3,660,000 n/a 0.0%
Shea Mortgage Inc. $5,020,000 $3,660,000 -27.1% 0.0%
Florida Capital Bank National Association $1,725,000 $3,630,000 110.4% 0.0%
TRI COUNTIES BANK $3,505,000 $3,570,000 1.9% 0.0%
Franklin Loan Center $3,150,000 $3,545,000 12.5% 0.0%
OCMBC Inc. $6,625,000 $3,540,000 -46.6% 0.0%
Nexera Holding LLC $1,445,000 $3,530,000 144.3% 0.0%
Bellwether Enterprise Real Estate Capital LLC $10,005,000 $3,515,000 -64.9% 0.0%
Civic Financial Services $6,550,000 $3,505,000 -46.5% 0.0%
Michigan Mutual, Inc. DBA MiMutual Mortgage $1,760,000 $3,505,000 99.1% 0.0%
Mortgage Lenders of America LLC $690,000 $3,475,000 403.6% 0.0%
CIBC Bank USA $4,215,000 $3,465,000 -17.8% 0.0%
First Guaranty Mortgage Corporation $435,000 $3,420,000 686.2% 0.0%
Reverse Mortgage Funding LLC $6,740,000 $3,410,000 -49.4% 0.0%
Third Federal Savings and Loan $4,670,000 $3,380,000 -27.6% 0.0%
LendSure Mortgage Corp $3,510,000 $3,320,000 -5.4% 0.0%
Star One Credit Union $2,175,000 $3,315,000 52.4% 0.0%
Luxury Mortgage Corp. $3,235,000 n/a 0.0%
Lenox Financial Mortgage Corp. $3,215,000 n/a 0.0%
AKT American Capital Inc $425,000 $3,155,000 642.4% 0.0%
Alaska USA Federal Credit Union $3,035,000 n/a 0.0%
Servion, Inc. $1,745,000 $3,030,000 73.6% 0.0%
HomeStreet Bank $7,530,000 $2,990,000 -60.3% 0.0%
Nations Direct Mortgage LLC $2,025,000 $2,990,000 47.7% 0.0%
HomeTrust Bank $2,895,000 n/a 0.0%
Prime Choice Funding, Inc. $2,695,000 $2,885,000 7.1% 0.0%
VanDyk Mortgage Corporation $1,060,000 $2,785,000 162.7% 0.0%
Signature Bank $2,735,000 n/a 0.0%
Residential Wholesale Mortgage $840,000 $2,705,000 222.0% 0.0%
Summit mortgage Bankers, Inc. $1,455,000 $2,700,000 85.6% 0.0%
Cstone Mortgage Inc $2,690,000 n/a 0.0%
UMB BANK NA $2,645,000 n/a 0.0%
Preferred Bank $1,785,000 $2,640,000 47.9% 0.0%
California Credit Union $250,000 $2,635,000 954.0% 0.0%
BOKF NA $295,000 $2,610,000 784.7% 0.0%
DHI Mortgage Company Limited $2,530,000 n/a 0.0%
Churchill Mortgage Corporation $1,135,000 $2,485,000 118.9% 0.0%
Bank of Hope $2,410,000 n/a 0.0%
First Centennial Mortgage Corp. $1,160,000 $2,410,000 107.8% 0.0%
General Mortgage Capital Corporation $2,360,000 n/a 0.0%
Star Financial $3,805,000 $2,270,000 -40.3% 0.0%
AMERIS BANK $2,260,000 n/a 0.0%
First Western Trust Bank $2,005,000 $2,230,000 11.2% 0.0%
Home Funding Corporation $2,220,000 n/a 0.0%
FBC Mortgage LLC $2,180,000 n/a 0.0%
First Technology Credit Union $2,180,000 n/a 0.0%
Premier America Credit Union $9,750,000 $2,180,000 -77.6% 0.0%
Tri-Emerald Financial Group Inc. $895,000 $2,155,000 140.8% 0.0%
AmeriHomeMortgageCompany,LL $2,235,000 $2,115,000 -5.4% 0.0%
Equity Prime Mortgage LLC $1,115,000 $2,115,000 89.7% 0.0%
R M K FINANCIAL CORP $2,090,000 n/a 0.0%
ZB, N.A. $450,000 $2,070,000 360.0% 0.0%
Advancial Federal Credit Union $2,030,000 n/a 0.0%
Thrivent Federal Credit Union $75,000 $2,030,000 2,606.7% 0.0%
Firefighters First Credit Union $1,025,000 $2,015,000 96.6% 0.0%
Low VA Rates $1,970,000 n/a 0.0%
City National Bank of Florida $1,965,000 n/a 0.0%
Northrop Grumman Federal Credit Union $395,000 $1,950,000 393.7% 0.0%
Plains Commerce Bank $1,940,000 n/a 0.0%
Keller Mortgage LLC $1,935,000 n/a 0.0%
Calculated Risk Analytics LLC dba Excelerate Capital $2,450,000 $1,915,000 -21.8% 0.0%
SPRING EQ, LLC $1,340,000 $1,910,000 42.5% 0.0%
Kwik Mortgage Corp. $1,895,000 n/a 0.0%
Connexus Credit Union $190,000 $1,870,000 884.2% 0.0%
Absolute Home Mortgage Corporation $1,850,000 n/a 0.0%
Toyota Financial Savings Bank $235,000 $1,835,000 680.9% 0.0%
Fay Servicing LLC $335,000 $1,830,000 446.3% 0.0%
RBC Bank (Georgia), N.A. $1,260,000 $1,820,000 44.4% 0.0%
Nationwide Mortgage Bankers Inc. $640,000 $1,810,000 182.8% 0.0%
ARVEST BANK $690,000 $1,790,000 159.4% 0.0%
Crestline Funding Corporation $1,735,000 n/a 0.0%
V.I.P. Mortgage Inc. $1,735,000 n/a 0.0%
Bank of England $1,495,000 $1,710,000 14.4% 0.0%
Customer Service Mortgage Corporation $1,340,000 $1,710,000 27.6% 0.0%
Utah Mortgage Loan Corporation $1,680,000 n/a 0.0%
Ventura County Credit Union $75,000 $1,670,000 2,126.7% 0.0%
First Mortgage Solutions LLC $850,000 $1,635,000 92.4% 0.0%
Silver Hill Funding, LLC $265,000 $1,630,000 515.1% 0.0%
CBNA $1,940,000 $1,615,000 -16.8% 0.0%
KS StateBank $780,000 $1,610,000 106.4% 0.0%
NFM, Inc. $1,605,000 n/a 0.0%
Semper Home Loans, Inc $1,605,000 n/a 0.0%
Stanford Federal Credit Union $1,060,000 $1,600,000 50.9% 0.0%
Platinum Home Mortgage Corporation $800,000 $1,570,000 96.3% 0.0%
NOVA Financial & Investment Corporation dba: Nova Home Loans $780,000 $1,565,000 100.6% 0.0%
Redwood Trust Inc $2,905,000 $1,560,000 -46.3% 0.0%
Val-Chris Investments Inc $1,555,000 n/a 0.0%
NationsChoice Mortgage $720,000 $1,535,000 113.2% 0.0%
All Reverse Mortgage Inc $1,495,000 n/a 0.0%
Mackillie Inc $2,290,000 $1,480,000 -35.4% 0.0%
American Financing Corporation $325,000 $1,475,000 353.8% 0.0%
Home First Mortgage Bankers $1,455,000 n/a 0.0%
Wescom Central Credit Union $1,720,000 $1,440,000 -16.3% 0.0%
First Foundation Bank $6,850,000 $1,425,000 -79.2% 0.0%
S&S Financial $245,000 $1,425,000 481.6% 0.0%
First Entertainment Credit Union $755,000 $1,410,000 86.8% 0.0%
Prime Mortgage Lending Inc. $1,375,000 n/a 0.0%
Embrace Home Loans, Inc. $930,000 $1,325,000 42.5% 0.0%
Reliant Bank $1,320,000 n/a 0.0%
F&A FEDERAL CREDIT UNION $430,000 $1,315,000 205.8% 0.0%
One Reverse Mortgage, LLC $5,865,000 $1,295,000 -77.9% 0.0%
The First Financial Federal Credit Union $495,000 $1,275,000 157.6% 0.0%
Pike Creek Mortgage Services, Inc. $1,265,000 n/a 0.0%
TJC Mortgage, Inc. $1,260,000 n/a 0.0%
Wall Street Mortgage Bankers LTD $1,250,000 n/a 0.0%
Northwest Federal Credit Union $1,240,000 n/a 0.0%
Wall Financial dba WinPrime Lending $1,240,000 n/a 0.0%
First Choice Loan Services Inc. $2,245,000 $1,225,000 -45.4% 0.0%
Technology Credit Union $85,000 $1,220,000 1,335.3% 0.0%
LoanSnap Inc $1,700,000 $1,215,000 -28.5% 0.0%
Ethos Lending LLC $690,000 $1,175,000 70.3% 0.0%
Essex Mortgage $750,000 $1,160,000 54.7% 0.0%
Longbridge Financial, LLC $5,705,000 $1,145,000 -79.9% 0.0%
Provident Credit Union $1,140,000 n/a 0.0%
JMJ Financial Group Inc. $1,460,000 $1,135,000 -22.3% 0.0%
Tradition Capital Bank $915,000 $1,135,000 24.0% 0.0%
WoodTrust Bank $1,130,000 n/a 0.0%
First Midwest Bank $1,120,000 n/a 0.0%
Merchants Bank of Indiana $1,115,000 n/a 0.0%
A&D Mortgage LLC $995,000 $1,110,000 11.6% 0.0%
Credit Human Federal Credit Union $895,000 $1,110,000 24.0% 0.0%
PARTNERS UNITED FINANCIAL, LLC $275,000 $1,105,000 301.8% 0.0%
PREMIER VALLEY BANK $1,095,000 n/a 0.0%
Discover Bank $670,000 $1,090,000 62.7% 0.0%
Credit Union Mortgage Association Inc. $1,055,000 n/a 0.0%
Bayshore Mortgage Funding LLC $365,000 $1,045,000 186.3% 0.0%
Mortgage One Group $1,045,000 n/a 0.0%
NBH Bank $1,045,000 n/a 0.0%
Hometown Lenders LLC $1,030,000 n/a 0.0%
Capstone Direct Inc. $1,940,000 $1,015,000 -47.7% 0.0%
Mortgage 2000 Inc. $1,005,000 n/a 0.0%
Country Club Mortgage, Inc. $940,000 $1,000,000 6.4% 0.0%
MK LENDING CORP $985,000 n/a 0.0%
Vision One Mortgage $965,000 n/a 0.0%
Peoples Mortgage Company $305,000 $960,000 214.8% 0.0%
Murphy Bank $850,000 $955,000 12.4% 0.0%
21ST MORTGAGE $850,000 $945,000 11.2% 0.0%
ANGEL OAK HOME LOANS LLC $1,890,000 $940,000 -50.3% 0.0%
Kern Schools Federal Credit Un $675,000 $940,000 39.3% 0.0%
Homestead Funding Corp. $255,000 $930,000 264.7% 0.0%
Lending 3 Inc $445,000 $930,000 109.0% 0.0%
US Mortgage of Florida $925,000 n/a 0.0%
Goldwater Bank National Association $920,000 n/a 0.0%
Mann Mortgage LLC $395,000 $920,000 132.9% 0.0%
Boeing Employees' Credit Union (BECU) $735,000 $910,000 23.8% 0.0%
Foothill Federal Credit Union $910,000 n/a 0.0%
BANK OF THE SIERRA $905,000 n/a 0.0%
HOMEXPRESS MORTGAGE CORP. $1,100,000 $885,000 -19.5% 0.0%
Caltech Employees Federal Credit Union $1,675,000 $880,000 -47.5% 0.0%
LendingHome Funding Corporation $1,950,000 $865,000 -55.6% 0.0%
Neighborhood Loans $860,000 n/a 0.0%
Triad Financial Services Inc $200,000 $860,000 330.0% 0.0%
Pacific Premier Bank $1,755,000 $845,000 -51.9% 0.0%
Eagle Home Mortgage, LLC $3,710,000 $835,000 -77.5% 0.0%
Mortgage Solutions of Colorado LLC $1,860,000 $830,000 -55.4% 0.0%
Farmers Bank & Trust $820,000 n/a 0.0%
First Internet Bank $535,000 $820,000 53.3% 0.0%
Provident Savings Bank F.S.B. $3,675,000 $815,000 -77.8% 0.0%
Nations Reliable Lending, LLC $810,000 n/a 0.0%
Victoria Financial Corp $475,000 $810,000 70.5% 0.0%
COMMERCE BANK $775,000 n/a 0.0%
American First Credit Union $765,000 n/a 0.0%
Baxter Credit Union $755,000 n/a 0.0%
E Mortgage Management LLC $920,000 $755,000 -17.9% 0.0%
CalCon Mutual Mortgage LLC $745,000 n/a 0.0%
Augusta Financial Inc. $740,000 n/a 0.0%
Nudge Funding LLC $730,000 n/a 0.0%
Hamilton Group Funding Inc. $720,000 n/a 0.0%
San Diego County Credit Union $715,000 n/a 0.0%
Mid-Continent Funding, Inc. $695,000 n/a 0.0%
Liberty Home Mortgage Corp $685,000 n/a 0.0%
Sirva Mortgage Inc. $680,000 n/a 0.0%
Open Mortgage LLC $1,060,000 $675,000 -36.3% 0.0%
Pacific Service Credit Union $545,000 $670,000 22.9% 0.0%
NuVision Federal Credit Union $1,795,000 $655,000 -63.5% 0.0%
American Neighborhood Mortgage dba AnnieMac Home Mortgage $445,000 $640,000 43.8% 0.0%
First Federal Bank of Kansas City $1,030,000 $625,000 -39.3% 0.0%
Orange County's Credit Union $625,000 n/a 0.0%
Premier Mortgage Resources LLC $625,000 n/a 0.0%
Towne Mortgage Company $105,000 $625,000 495.2% 0.0%
LHM Financial DBA CNN Mortgage $620,000 n/a 0.0%
Performance Financial, Inc. $620,000 n/a 0.0%
Academy Bank NA $615,000 n/a 0.0%
Interaudi Bank $605,000 n/a 0.0%
iServe Residential Lending LLC $605,000 n/a 0.0%
Summit Mortgage Corporation $605,000 n/a 0.0%
Mortgage Management Consultants, Inc. $600,000 n/a 0.0%
Paramount Bank $545,000 $600,000 10.1% 0.0%
Directors Mortgage, Inc. $585,000 n/a 0.0%
Armed Forces Bank $570,000 n/a 0.0%
Premia Mortgage, LLC $365,000 $565,000 54.8% 0.0%
Travis Credit Union $565,000 n/a 0.0%
Royal United Mortgage LLC $720,000 $560,000 -22.2% 0.0%
On Q Financial Inc. $76,265,000 $550,000 -99.3% 0.0%
SAFE Credit Union $550,000 n/a 0.0%
Educational Employees Credit Union $545,000 n/a 0.0%
First American Bank $535,000 n/a 0.0%
Alterra Group LLC dba Alterra Home Loans $255,000 $530,000 107.8% 0.0%
MERCO Credit Union $525,000 n/a 0.0%
Republic Bank & Trust Company $445,000 $525,000 18.0% 0.0%
Magnolia Bank Incorporated $520,000 n/a 0.0%
Blue Ridge Bank, NA $515,000 n/a 0.0%
International City Mortgage Inc. $515,000 n/a 0.0%
Primus Lending Corp $515,000 n/a 0.0%
Beckham Funding Corp $505,000 n/a 0.0%
Sunflower Bank, N.A. $505,000 n/a 0.0%
Home State Bank National Association $495,000 n/a 0.0%
Unitus Community Credit Union $495,000 n/a 0.0%
Athas Capital Group $2,555,000 $490,000 -80.8% 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC $490,000 n/a 0.0%
Industrial and Commercial Bank of China (USA) NA $485,000 n/a 0.0%
Advantis Credit Union $480,000 n/a 0.0%
Advisors Mortgage Group LLC $475,000 n/a 0.0%
Liberty Home Equity Solutions, Inc. $1,035,000 $475,000 -54.1% 0.0%
Los Angeles Police Federal Credit Union $475,000 $470,000 -1.1% 0.0%
Ivy Mortgage, Inc. $465,000 n/a 0.0%
Xceed Financial Credit Union $465,000 n/a 0.0%
American Portfolio Mortgage $455,000 n/a 0.0%
Union Savings Bank $715,000 $455,000 -36.4% 0.0%
Intercap Lending Inc $450,000 n/a 0.0%
Best Finance Captal Inc $1,325,000 $445,000 -66.4% 0.0%
CTBC Bank $445,000 n/a 0.0%
FedEx Employees Credit Association $445,000 n/a 0.0%
Choice Lending Corp. $405,000 $435,000 7.4% 0.0%
Citywide Home Loans A Utah Corporation $3,870,000 $430,000 -88.9% 0.0%
Academy Mortgage Corporation $1,270,000 $415,000 -67.3% 0.0%
Central One Federal Credit Union $415,000 $415,000 0.0% 0.0%
Velocity Commercial Capital LLC $5,455,000 $415,000 -92.4% 0.0%
Farmers & Merchants Bank of Ce $415,000 $405,000 -2.4% 0.0%
Meridian Bank $405,000 n/a 0.0%
Mission Federal Credit Union $405,000 n/a 0.0%
Southland Credit Union $395,000 n/a 0.0%
American Financial Resources Inc. $645,000 $375,000 -41.9% 0.0%
AUSTIN CAPITAL BANK SSB $375,000 n/a 0.0%
Bethpage Federal Credit Union $765,000 $375,000 -51.0% 0.0%
Leader Bank NA $375,000 n/a 0.0%
Guaranty Trust Company $365,000 n/a 0.0%
Nexcap Home Loans $365,000 n/a 0.0%
San Mateo Credit Union $365,000 n/a 0.0%
Andrews Federal Credit Union $345,000 n/a 0.0%
Provident Lending Group $335,000 n/a 0.0%
Sun American Mortgage Company $335,000 n/a 0.0%
Patelco Credit Union $225,000 $330,000 46.7% 0.0%
Veritas Funding LLC $325,000 n/a 0.0%
Oceanside Mortgage Company $315,000 $315,000 0.0% 0.0%
SecurityNational Mortgage Company $315,000 n/a 0.0%
Waterstone Mortgage Corp $315,000 n/a 0.0%
American Mortgage & Equity Consultants Inc. $325,000 $295,000 -9.2% 0.0%
Sterling Bank and Trust, FSB $860,000 $295,000 -65.7% 0.0%
Vons Employees Federal Creedit Union $285,000 n/a 0.0%
Lend Smart Mortgage $265,000 n/a 0.0%
United Fidelity Funding Corp. $760,000 $265,000 -65.1% 0.0%
Great Lakes Credit Union $135,000 $255,000 88.9% 0.0%
Midwest Loan Services Inc $255,000 n/a 0.0%
Reliance First Capital LLC $255,000 n/a 0.0%
American Residential Lending $245,000 n/a 0.0%
USC Credit Union $245,000 n/a 0.0%
First Community Mortgage Inc. $215,000 n/a 0.0%
First Option Mortgage LLC $225,000 $215,000 -4.4% 0.0%
California Coast Credit Union $205,000 n/a 0.0%
FIRST US COMMUNITY CREDIT UNION $205,000 n/a 0.0%
New West Lending Inc. $205,000 n/a 0.0%
Partners Federal Credit Union $205,000 n/a 0.0%
Community Mortgage Funding LLC $95,000 $190,000 100.0% 0.0%
Financail Funding Solutions, Inc $185,000 n/a 0.0%
People's Bank of Commerce $185,000 n/a 0.0%
State Department Federal Credit Union $185,000 n/a 0.0%
CAPITAL BANK, NA $175,000 n/a 0.0%
First State Bank Of St. Charles Missouri $175,000 n/a 0.0%
Belem Servicing, LLC dba Patriot Home Mortgage $125,000 n/a 0.0%
MIT Federal Credit Union $105,000 n/a 0.0%
San Francisco Fire Credit Union $2,350,000 $105,000 -95.5% 0.0%
Allegacy Federal Credit Union $95,000 n/a 0.0%
Get a Rate LLC $95,000 n/a 0.0%
Frontwave Credit Union $75,000 n/a 0.0%
Global Credit Union $125,000 $65,000 -48.0% 0.0%
Wings Financial Credit Union $45,000 n/a 0.0%

SANTA MARIA - SANTA BARBARA's top lender by overall market share is Quicken Loans, with 7.4% market share. In second place, with 5.7%, is WELLS FARGO BANK NA, having originated $552,010,000 in loans. In third place, with 5.3%, is United Shore Financial Services LLC, having originated $515,650,000 in loans. In third place, with 4.4%, is JPMorgan Chase Bank, NA, having originated $432,355,000 in loans. In third place, with 4.1%, is FIRST REPUBLIC BANK, having originated $403,165,000 in loans.


SANTA MARIA-SANTA BARBARA, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 11,091 $5,302,495,000 $478,090
Home Purchase 3,951 $2,559,625,000 $647,842
Cash Out Refi 3,372 $1,528,790,000 $453,378
Home Improvement 369 $97,975,000 $265,515
Other 362 $256,800,000 $709,392
NA 9 $6,425,000 $713,889

Santa Maria - Santa Barbara's most frequently cited loan purpose was Refi, with 11,091 originations. The 2nd most popular reason was Home Purchase, with 3,951 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 7,939 $3,931,635,000 $495,231
2.5-3% 7,510 $3,837,180,000 $510,943
<2.5% 2,164 $1,177,550,000 $544,154
4-5% 766 $321,140,000 $419,243
5-6% 245 $89,415,000 $364,959
6-7% 99 $49,075,000 $495,707
Over 8% 43 $16,565,000 $385,233
7-8% 38 $20,610,000 $542,368

During 2020, Santa Maria - Santa Barbara's most frequently originated rate bucket was 3-4%, with 7,939 originations.

Loan Sizing (SANTA MARIA-SANTA BARBARA, CA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 7,886 $2,412,840,000 $305,965
$400k-600k 5,654 $2,746,010,000 $485,676
$600k-1000k 2,470 $1,761,000,000 $712,955
$100k-200k 1,447 $224,985,000 $155,484
$Over $1MM 1,259 $2,583,715,000 $2,052,196
$100,000 or less 438 $23,560,000 $53,790

SANTA MARIA - SANTA BARBARA's loan sizing saw the bucket of loans from $200k-400k with 7,886 originations, totaling $2,412,840,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 6,235 $3,718,585,000 $596,405
40-60% 4,795 $2,609,045,000 $544,118
80-100% 3,561 $1,724,565,000 $484,292
20-40% 2,410 $951,370,000 $394,759
Under 20% 1,047 $223,495,000 $213,462
Over 100% 140 $67,180,000 $479,857

SANTA MARIA - SANTA BARBARA's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 6,235 originations, totaling $3,718,585,000 in origination value.