Safe Rate Rankings

Best Conventional Mortgage Lenders in Santa Maria

Updated May 23, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders40

Total Loans1,816

Median Rate Spread0.16%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$849Credit	0.121%Below	58
2	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$183Credit	0.564%Below	39
3	Citibank, National AssociationBank	Exceptional	Exceptional	Exceptional	Sound	Sound	$246Fees	0.209%Below	11
4	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,642Fees	0.109%Below	16
5	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Sound	$285Fees	0.516%Below	15
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,596Fees	0.053%Above	356
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,609Fees	0.119%Above	137
8	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,450Fees	0.202%Above	99
9	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,728Fees	0.077%Above	55
10	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$85Fees	0.316%Below	30
11	COASTHILLS CREDIT UNIONCredit Union	Strong	Exceptional	Acceptable	Sound	Strong	$638Fees	0.426%Below	16
12	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,665Fees	0.206%Above	145
13	HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$5,255Fees	0.352%Above	89
14	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,759Fees	0.092%Above	84
15	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,910Fees	0.259%Above	72
16	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,753Fees	0.279%Above	68
17	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,438Fees	0.075%Above	60
18	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,614Fees	0.331%Above	56
19	COASTAL FUNDING SLC, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	Strong	$3,711Fees	0.362%Above	40
20	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$5,665Fees	1.001%Above	20
21	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$40Credit	0.122%Above	16
22	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,066Fees	0.017%Above	28
23	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,168Fees	0.112%Above	25
24	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,562Fees	0.300%Above	23
25	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$82Fees	0.234%Below	17
26	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,001Fees	0.288%Above	13
27	GOLDEN EMPIRE MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$5,564Fees	0.248%Above	24
28	CORNERSTONE CAPITAL BANK, SSBBank	Sound	Mediocre	Exceptional	Strong	Sound	$5,073Fees	0.355%Above	19
29	ENVOY MORTGAGE, LTDIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$4,456Fees	0.484%Above	17
30	ALAMEDA MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,042Fees	0.535%Above	11
31	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Exceptional	Sound	Acceptable	$201Fees	0.569%Above	10
32	OCMBC, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$3,089Fees	0.564%Above	21
33	NEXERA HOLDING LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$7,280Fees	0.744%Above	13
34	Hometown Equity Mortgage, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Acceptable	Sound	$9,199Fees	0.990%Above	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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.