Safe Rate Rankings

Best All Lender 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	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,596Fees	0.053%Above	356
2	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$849Credit	0.121%Below	58
3	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$183Credit	0.564%Below	39
4	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,665Fees	0.206%Above	145
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,609Fees	0.119%Above	137
6	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,450Fees	0.202%Above	99
7	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,728Fees	0.077%Above	55
8	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,150Fees	0.034%Below	37
9	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$85Fees	0.316%Below	30
10	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,759Fees	0.092%Above	84
11	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,910Fees	0.259%Above	72
12	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,438Fees	0.075%Above	60
13	COASTAL FUNDING SLC, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,711Fees	0.362%Above	40
14	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,753Fees	0.279%Above	68
15	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,614Fees	0.331%Above	56
16	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$5,665Fees	1.001%Above	20
17	HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Exceptional	$5,255Fees	0.352%Above	89
18	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,066Fees	0.017%Above	28
19	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,168Fees	0.112%Above	25
20	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,562Fees	0.300%Above	23
21	OCMBC, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,089Fees	0.564%Above	21
22	GOLDEN EMPIRE MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$5,564Fees	0.248%Above	24

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.