# Best Mortgage Lenders in Santa Maria

**As of:** 2026-05-23

Compare the top mortgage lenders in Santa Maria. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/santa-maria/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 40
- **Total Loans:** 1,816
- **Median Rate Spread:** 0.1635128205128205%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 356 | Independent Mortgage Company |
| 2 | U.S. Bank National Association | 80 | 75 | 71 | 58 | Bank |
| 3 | Bank of America, National Association | 80 | 73 | 75 | 39 | Bank |
| 4 | GUARANTEED RATE, INC. | 78 | 41 | 69 | 145 | Independent Mortgage Company |
| 5 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 137 | Independent Mortgage Company |
| 6 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 99 | Independent Mortgage Company |
| 7 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 55 | Bank |
| 8 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 37 | Independent Mortgage Company |
| 9 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 84 | Independent Mortgage Company |
| 10 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 72 | Independent Mortgage Company |
| 11 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 60 | Independent Mortgage Company |
| 12 | COASTAL FUNDING SLC, INC. | 68 | 21 | 85 | 40 | Independent Mortgage Company |
| 13 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 30 | Bank |
| 14 | KIND LENDING, LLC | 63 | 39 | 73 | 68 | Independent Mortgage Company |
| 15 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 56 | Independent Mortgage Company |
| 16 | Nations Lending Corporation | 62 | 30 | 93 | 20 | Independent Mortgage Company |
| 17 | Sierra Pacific Mortgage Company, Inc. | 58 | 32 | 80 | 28 | Independent Mortgage Company |
| 18 | Paramount Residential Mortgage Group, Inc. | 58 | 27 | 72 | 25 | Independent Mortgage Company |
| 19 | Prosperity Home Mortgage, LLC | 58 | 37 | 77 | 23 | Independent Mortgage Company |
| 20 | OCMBC, INC. | 58 | 21 | 64 | 21 | Independent Mortgage Company |
| 21 | HOMEOWNERS FINANCIAL GROUP USA, LLC | 54 | 19 | 76 | 89 | Independent Mortgage Company |
| 22 | GOLDEN EMPIRE MORTGAGE, INC. | 49 | 18 | 87 | 24 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Santa Maria.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.