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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Lenders in Santa Maria
Updated February 5, 2026
Market Overview
40
Total Lenders
1,816
Total Loans
0.16%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$849 | -0.121% | 58 | |
2 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$183 | -0.564% | 39 | |
3 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Sound | $246 | -0.209% | 11 | |
4 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,642 | -0.109% | 16 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Sound | $285 | -0.516% | 15 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,596 | +0.053% | 356 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,609 | +0.119% | 137 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,450 | +0.202% | 99 | |
9 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,728 | +0.077% | 55 | |
10 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $85 | -0.316% | 30 | |
11 | COASTHILLS CREDIT UNION | Strong | Exceptional | Acceptable | Sound | Strong | $638 | -0.426% | 16 | |
12 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,665 | +0.206% | 145 | |
13 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $5,255 | +0.352% | 89 | |
14 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,759 | +0.092% | 84 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,910 | +0.259% | 72 | |
16 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,753 | +0.279% | 68 | |
17 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,438 | +0.075% | 60 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,614 | +0.331% | 56 | |
19 | COASTAL FUNDING SLC, INC. | Strong | Acceptable | Strong | Exceptional | Strong | $3,711 | +0.362% | 40 | |
20 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Sound | $5,665 | +1.001% | 20 | |
21 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | -$40 | +0.122% | 16 | |
22 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,066 | +0.017% | 28 | |
23 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $1,168 | +0.112% | 25 | |
24 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,562 | +0.300% | 23 | |
25 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $82 | -0.234% | 17 | |
26 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,001 | +0.288% | 13 | |
27 | GOLDEN EMPIRE MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $5,564 | +0.248% | 24 | |
28 | CORNERSTONE CAPITAL BANK, SSB | Sound | Mediocre | Exceptional | Strong | Sound | $5,073 | +0.355% | 19 | |
29 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Strong | Sound | Sound | $4,456 | +0.484% | 17 | |
30 | ALAMEDA MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $4,042 | +0.535% | 11 | |
31 | NEWREZ LLC | Sound | Acceptable | Exceptional | Sound | Acceptable | $201 | +0.569% | 10 | |
32 | OCMBC, INC. | Sound | Mediocre | Strong | Sound | Sound | $3,089 | +0.564% | 21 | |
33 | NEXERA HOLDING LLC | Sound | Mediocre | Strong | Sound | Sound | $7,280 | +0.744% | 13 | |
34 | Hometown Equity Mortgage, LLC | Sound | Mediocre | Strong | Acceptable | Sound | $9,199 | +0.990% | 11 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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