Safe Rate Rankings

Best Jumbo 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	Exceptional	Exceptional	Strong	Strong	$849Credit	0.121%Below	58
2	Bank of America, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$183Credit	0.564%Below	39
3	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,665Fees	0.206%Above	145
4	Wells Fargo Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$85Fees	0.316%Below	30
5	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$285Fees	0.516%Below	15
6	Citibank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$246Fees	0.209%Below	11
7	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,596Fees	0.053%Above	356
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$4,609Fees	0.119%Above	137
9	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,759Fees	0.092%Above	84
10	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,438Fees	0.075%Above	60
11	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,728Fees	0.077%Above	55
12	Charles Schwab Bank, SSBBank	Strong	Sound	Exceptional	Exceptional	Sound	$1,024Fees	0.321%Below	11
13	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$3,450Fees	0.202%Above	99
14	PNC Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,642Fees	0.109%Below	16
15	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,614Fees	0.331%Above	56
16	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,562Fees	0.300%Above	23
17	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Acceptable	Exceptional	Strong	Sound	$5,073Fees	0.355%Above	19
18	HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Sound	Exceptional	$5,255Fees	0.352%Above	89
19	CLEAREDGE LENDING LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$7,285Fees	0.661%Above	15

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.