California · HMDA 2025
Mortgage lenders in Santa Barbara County, CA
392 lenders reported 10,617 home-loan applications in Santa Barbara County in 2025. 5,402 closed as loans ($4.1B), 1,608 were denied — a 21.8% denial rate on decided applications, close to the California rate of 22.3%. The three most active lenders handled 16% of applications, led by UNITED SHORE FINANCIAL SERVICES, LLC. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 10,617
- Loans originated
- 5,402
- Purchase / refinance
- 2,195 / 2,191
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Santa Barbara County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLC | 723 | 6.8% | — |
| 2 | GUARANTEED RATE, INC. | 502 | 4.7% | — |
| 3 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 457 | 4.3% | 14.1% |
| 4 | Rocket Mortgage, LLC | 405 | 3.8% | — |
| 5 | U.S. Bank National Association 55 out of 100, Moderate | 363 | 3.4% | 39.5% |
| 6 | Loandepot.Com, LLC | 309 | 2.9% | — |
| 7 | Bank of America, National Association 59 out of 100, Moderate | 288 | 2.7% | 44.7% |
| 8 | PENNYMAC LOAN SERVICES, LLC | 243 | 2.3% | — |
| 9 | SPRING EQ, LLC | 238 | 2.2% | — |
| 10 | NEWREZ LLC | 201 | 1.9% | — |
| 11 | CROSSCOUNTRY MORTGAGE, INC. | 196 | 1.8% | — |
| 12 | OriginPoint, LLC | 187 | 1.8% | — |
| 13 | FREEDOM MORTGAGE CORPORATION | 187 | 1.8% | — |
| 14 | GUILD MORTGAGE COMPANY | 185 | 1.7% | — |
| 15 | FIGURE LENDING LLC | 163 | 1.5% | — |
| 16 | MOVEMENT MORTGAGE, LLC | 148 | 1.4% | — |
| 17 | KIND LENDING, LLC | 146 | 1.4% | — |
| 18 | SESLOC | 138 | 1.3% | — |
| 19 | CMG MORTGAGE, INC. | 137 | 1.3% | — |
| 20 | COASTHILLS CREDIT UNION | 128 | 1.2% | — |
| 21 | Coastal Community Bank 35 out of 100, Low | 125 | 1.2% | 3.0% |
| 22 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 120 | 1.1% | 22.2% |
| 23 | THE GOLDEN 1 | 116 | 1.1% | — |
| 24 | Montecito Bank & Trust 69 out of 100, Moderate | 106 | 1.0% | 26.7% |
| 25 | LAKEVIEW LOAN SERVICING, LLC | 104 | 1.0% | — |
| 26 | Navy Federal Credit Union 66 out of 100, Moderate | 99 | 0.9% | 32.9% |
| 27 | Citibank, National Association 60 out of 100, Moderate | 87 | 0.8% | 24.0% |
| 28 | NATIONSTAR MORTGAGE LLC | 85 | 0.8% | — |
| 29 | THE LOAN STORE, INC. | 83 | 0.8% | — |
| 30 | TRIAD FINANCIAL SERVICES, INC. | 81 | 0.8% | — |
| 31 | Prosperity Home Mortgage, LLC | 80 | 0.8% | — |
| 32 | FINANCE OF AMERICA REVERSE LLC | 80 | 0.8% | — |
| 33 | Mortgage Research Center, LLC | 79 | 0.7% | — |
| 34 | REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 79 | 0.7% | — |
| 35 | PHH Mortgage Corporation | 74 | 0.7% | — |
| 36 | KEYPOINT Credit Union 59 out of 100, Moderate | 70 | 0.7% | 18.4% |
| 37 | BMO Bank National Association 83 out of 100, Strong | 67 | 0.6% | 40.5% |
| 38 | AMERIHOME MORTGAGE COMPANY, LLC | 66 | 0.6% | — |
| 39 | SOFI BANK, NATIONAL ASSOCIATION | 66 | 0.6% | — |
| 40 | 21st Mortgage Corporation | 65 | 0.6% | — |
Top 40 of 392 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in California
- Los Angeles County 221,487 apps
- San Diego County 103,767 apps
- Riverside County 103,444 apps
- Orange County 86,651 apps
- San Bernardino County 77,329 apps
- Sacramento County 56,166 apps
- Santa Clara County 45,843 apps
- Alameda County 41,873 apps
- Contra Costa County 38,954 apps
- Kern County 31,328 apps
- Fresno County 29,585 apps
- San Joaquin County 28,724 apps