Top Mortgage Lenders in Santa Maria, CA

Which mortgage lender in the Santa Maria, CA area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Santa Maria, CA area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Santa Maria, CA area in terms of interest rate is Interactive Mortgage, with an average “Rate Difference” of -0.23%. This means that, comparing similar borrowers, Interactive Mortgage provided a -0.23% lower interest rate for its customers than other lenders in the area. Interactive Mortgage has a market share of 0.5%. On the other hand, the most popular lender in the Santa Maria, CA area is Wells Fargo Bank, with a larger market share of 11.0%. Wells Fargo Bank is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.06% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Santa Maria, CA area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Santa Maria, CA is Interactive Mortgage. If you want to take out a loan that is above conforming limits (for example, above $548,250 in 2021), the cheapest Jumbo mortgage provider is Bank of America. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is CMG Financial. The cheapest VA mortgage provider is loanDepot. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Santa Maria, CA

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Interactive Mortgage-0.23%(4.5)0.50%
Provident Funding-0.14%(4.0)1.36%
Bank of America-0.13%(4.0)2.18%
CoastHills Credit Union-0.09%(4.0)1.20%
Servion-0.09%(4.0)0.48%
loanDepot-0.07%(4.0)3.74%
Navy Federal Credit Union-0.07%(4.0)0.41%
Wells Fargo Bank-0.06%(4.0)11.04%
SESLOC Federal Credit Union-0.06%(4.0)1.10%
Homeowners Financial Group-0.05%(3.5)0.70%
Citibank-0.05%(3.5)0.33%
NBKC Bank-0.04%(3.5)0.39%
Union Bank-0.04%(3.5)1.26%
KD Capital Mortgage Corp-0.04%(3.5)2.50%
CMG Financial-0.04%(3.5)4.17%
Home Point Financial Corporation-0.04%(3.5)0.73%
Guaranteed Rate-0.03%(3.5)1.96%
Mid America Mortgage-0.02%(3.5)0.45%
PennyMac Loan Services-0.02%(3.5)1.05%
Sierra Pacific Mortgage-0.01%(3.5)2.16%
Cornerstone Home Lending-0.01%(3.5)2.18%
Golden 1 Credit Union-0.01%(3.5)0.76%
US Bank-0.01%(3.5)0.63%
First Bank MO-0.01%(3.5)0.32%
Golden Empire Mortgage-0.01%(3.5)0.99%
JPMorgan Chase Bank0.00%(3.5)3.16%
CashCall Mortgage0.00%(3.5)0.48%
Kinecta0.00%(3.5)0.35%
HomeServices Lending0.01%(3.5)0.44%
American Pacific Mortgage0.01%(3.5)1.23%
Movement Mortgage0.01%(3.5)0.49%
Stearns Home Loans0.01%(3.5)0.60%
Kings Mortgage Services0.01%(3.5)0.41%
NewRez0.02%(3.5)0.99%
USAA0.02%(3.5)0.75%
Guild Mortgage Company0.02%(3.5)4.36%
Draper and Kramer Mortgage Corp0.02%(3.5)0.49%
Bank in San Ramon0.02%(3.5)0.55%
Quicken Loans0.02%(3.5)9.98%
Geneva Financial Home Loans0.02%(3.5)0.41%
Flagstar Bank0.03%(3.5)5.07%
Finance of America Mortgage0.03%(3.5)1.98%
Caliber Home Loans0.03%(3.5)5.55%
PRMG Mortgage0.04%(3.5)0.35%
New American Funding0.04%(3.5)0.94%
Carrington Mortgage Services0.05%(3.5)0.67%
Freedom Mortgage Corporation0.05%(3.0)1.13%
PrimeLending0.05%(3.0)0.41%
Mechanics Bank CA0.06%(3.0)1.42%
LendUS LLC0.06%(3.0)1.78%
Fairway Independent Mortgage Corporation0.06%(3.0)1.05%
CIT Bank0.06%(3.0)0.43%
Pacific Trust Mortgage0.07%(3.0)3.30%
Dignified Home Loans0.08%(3.0)1.17%
Synergy One Lending0.08%(3.0)0.65%
Camino Real Mortgage Bankers0.08%(3.0)0.63%
HomeBridge Financial Services0.09%(3.0)2.65%
JMAC0.09%(3.0)1.53%
Mr. Cooper0.16%(2.5)0.83%
On Q Financial0.18%(2.5)1.20%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.19%(4.5)2.29%
Wells Fargo Bank-0.17%(4.5)13.36%
Navy Federal Credit Union-0.06%(4.0)0.84%
JPMorgan Chase Bank-0.06%(4.0)2.70%
Citibank-0.05%(3.5)0.51%
CMG Financial-0.05%(3.5)5.55%
Servion-0.04%(3.5)0.24%
Homeowners Financial Group-0.04%(3.5)0.99%
US Bank-0.03%(3.5)0.72%
Golden Empire Mortgage-0.03%(3.5)1.30%
PennyMac Loan Services-0.03%(3.5)0.48%
Quicken Loans-0.02%(3.5)4.63%
Kinecta-0.02%(3.5)0.19%
KD Capital Mortgage Corp-0.02%(3.5)2.82%
Guaranteed Rate-0.02%(3.5)2.03%
Provident Funding-0.02%(3.5)0.39%
Golden 1 Credit Union-0.00%(3.5)0.41%
Mid America Mortgage-0.00%(3.5)0.36%
SESLOC Federal Credit Union0.00%(3.5)0.58%
CoastHills Credit Union0.00%(3.5)0.55%
Flagstar Bank0.00%(3.5)5.38%
First Bank MO0.01%(3.5)0.31%
NBKC Bank0.01%(3.5)0.34%
Home Point Financial Corporation0.01%(3.5)0.48%
Union Bank0.01%(3.5)1.25%
HomeServices Lending0.01%(3.5)0.68%
Kings Mortgage Services0.01%(3.5)0.65%
Cornerstone Home Lending0.01%(3.5)2.34%
American Pacific Mortgage0.02%(3.5)1.57%
Bank in San Ramon0.02%(3.5)0.53%
Movement Mortgage0.02%(3.5)0.82%
USAA0.03%(3.5)0.96%
loanDepot0.03%(3.5)2.77%
Geneva Financial Home Loans0.03%(3.5)0.65%
Interactive Mortgage0.03%(3.5)0.02%
Pacific Trust Mortgage0.03%(3.5)3.64%
Draper and Kramer Mortgage Corp0.04%(3.5)0.55%
Sierra Pacific Mortgage0.04%(3.5)2.36%
Stearns Home Loans0.04%(3.5)0.68%
Mr. Cooper0.04%(3.5)0.19%
Carrington Mortgage Services0.04%(3.5)0.39%
NewRez0.04%(3.5)0.89%
Mechanics Bank CA0.05%(3.5)0.65%
CIT Bank0.05%(3.5)0.43%
Freedom Mortgage Corporation0.06%(3.0)1.47%
PRMG Mortgage0.06%(3.0)0.53%
Guild Mortgage Company0.06%(3.0)5.07%
Fairway Independent Mortgage Corporation0.06%(3.0)1.69%
New American Funding0.07%(3.0)0.99%
Caliber Home Loans0.08%(3.0)5.28%
LendUS LLC0.09%(3.0)1.95%
Camino Real Mortgage Bankers0.09%(3.0)1.09%
PrimeLending0.10%(3.0)0.63%
JMAC0.10%(3.0)1.98%
HomeBridge Financial Services0.11%(3.0)2.77%
Dignified Home Loans0.11%(3.0)1.25%
Finance of America Mortgage0.11%(3.0)2.15%
Synergy One Lending0.12%(3.0)0.94%
On Q Financial0.20%(2.5)2.70%
Lender NameRate DifferenceRate RatingMarket Share
Interactive Mortgage-0.24%(4.5)0.85%
Provident Funding-0.17%(4.5)2.06%
loanDepot-0.12%(4.0)4.45%
CoastHills Credit Union-0.12%(4.0)1.68%
Servion-0.11%(4.0)0.65%
Union Bank-0.08%(4.0)1.27%
SESLOC Federal Credit Union-0.08%(4.0)1.48%
NBKC Bank-0.08%(4.0)0.42%
Bank of America-0.07%(4.0)2.10%
KD Capital Mortgage Corp-0.06%(4.0)2.26%
Home Point Financial Corporation-0.06%(4.0)0.92%
Sierra Pacific Mortgage-0.06%(4.0)2.01%
Homeowners Financial Group-0.05%(4.0)0.49%
Mid America Mortgage-0.04%(3.5)0.51%
Guaranteed Rate-0.03%(3.5)1.91%
Finance of America Mortgage-0.03%(3.5)1.85%
Cornerstone Home Lending-0.03%(3.5)2.06%
Citibank-0.03%(3.5)0.19%
CMG Financial-0.03%(3.5)3.16%
PennyMac Loan Services-0.02%(3.5)1.46%
Guild Mortgage Company-0.02%(3.5)3.85%
First Bank MO-0.02%(3.5)0.32%
Navy Federal Credit Union-0.02%(3.5)0.09%
PrimeLending-0.02%(3.5)0.25%
Golden 1 Credit Union-0.02%(3.5)1.02%
Stearns Home Loans-0.02%(3.5)0.55%
Movement Mortgage-0.01%(3.5)0.25%
CashCall Mortgage-0.01%(3.5)0.83%
NewRez-0.00%(3.5)1.06%
Caliber Home Loans-0.00%(3.5)5.75%
American Pacific Mortgage0.00%(3.5)0.99%
PRMG Mortgage0.00%(3.5)0.21%
HomeServices Lending0.00%(3.5)0.26%
Kinecta0.01%(3.5)0.46%
Draper and Kramer Mortgage Corp0.01%(3.5)0.44%
US Bank0.01%(3.5)0.56%
USAA0.02%(3.5)0.60%
Synergy One Lending0.02%(3.5)0.44%
New American Funding0.02%(3.5)0.90%
Kings Mortgage Services0.02%(3.5)0.23%
Golden Empire Mortgage0.02%(3.5)0.76%
Bank in San Ramon0.02%(3.5)0.56%
Geneva Financial Home Loans0.03%(3.5)0.23%
Quicken Loans0.03%(3.5)13.90%
LendUS LLC0.03%(3.5)1.66%
JPMorgan Chase Bank0.03%(3.5)3.49%
On Q Financial0.05%(3.5)0.11%
Carrington Mortgage Services0.05%(3.5)0.88%
Dignified Home Loans0.05%(3.5)1.11%
Flagstar Bank0.05%(3.0)4.85%
Wells Fargo Bank0.05%(3.0)9.35%
Freedom Mortgage Corporation0.05%(3.0)0.88%
Mechanics Bank CA0.05%(3.0)1.98%
Camino Real Mortgage Bankers0.05%(3.0)0.30%
Fairway Independent Mortgage Corporation0.06%(3.0)0.58%
CIT Bank0.07%(3.0)0.42%
HomeBridge Financial Services0.08%(3.0)2.56%
JMAC0.09%(3.0)1.20%
Pacific Trust Mortgage0.10%(3.0)3.05%
Mr. Cooper0.17%(2.5)1.29%
Lender NameRate DifferenceRate RatingMarket Share
Interactive Mortgage-0.24%(4.5)0.67%
Provident Funding-0.15%(4.0)1.83%
Bank of America-0.10%(4.0)1.65%
CoastHills Credit Union-0.10%(4.0)1.57%
loanDepot-0.10%(4.0)4.02%
Servion-0.10%(4.0)0.65%
Union Bank-0.08%(4.0)1.37%
Home Point Financial Corporation-0.07%(4.0)0.61%
NBKC Bank-0.06%(4.0)0.39%
SESLOC Federal Credit Union-0.06%(4.0)1.32%
Homeowners Financial Group-0.06%(4.0)0.80%
Wells Fargo Bank-0.05%(3.5)11.52%
Guaranteed Rate-0.05%(3.5)2.08%
KD Capital Mortgage Corp-0.05%(3.5)2.97%
Citibank-0.03%(3.5)0.21%
CMG Financial-0.03%(3.5)3.70%
Cornerstone Home Lending-0.03%(3.5)2.09%
USAA-0.02%(3.5)0.35%
Mid America Mortgage-0.02%(3.5)0.24%
Sierra Pacific Mortgage-0.02%(3.5)2.55%
Golden Empire Mortgage-0.02%(3.5)0.90%
Golden 1 Credit Union-0.01%(3.5)0.96%
First Bank MO-0.01%(3.5)0.35%
Kinecta-0.01%(3.5)0.37%
US Bank-0.00%(3.5)0.51%
CashCall Mortgage-0.00%(3.5)0.65%
Navy Federal Credit Union0.00%(3.5)0.11%
Bank in San Ramon0.00%(3.5)0.37%
American Pacific Mortgage0.00%(3.5)1.30%
Movement Mortgage0.00%(3.5)0.36%
JPMorgan Chase Bank0.01%(3.5)3.01%
HomeServices Lending0.01%(3.5)0.24%
Kings Mortgage Services0.01%(3.5)0.43%
Stearns Home Loans0.01%(3.5)0.53%
NewRez0.01%(3.5)0.96%
Draper and Kramer Mortgage Corp0.01%(3.5)0.53%
Carrington Mortgage Services0.01%(3.5)0.28%
Quicken Loans0.02%(3.5)12.01%
CIT Bank0.03%(3.5)0.07%
Geneva Financial Home Loans0.03%(3.5)0.32%
Guild Mortgage Company0.03%(3.5)3.65%
Flagstar Bank0.03%(3.5)5.52%
Finance of America Mortgage0.04%(3.5)2.02%
New American Funding0.04%(3.5)0.93%
PRMG Mortgage0.04%(3.5)0.29%
PrimeLending0.06%(3.0)0.43%
Mechanics Bank CA0.06%(3.0)1.64%
Caliber Home Loans0.06%(3.0)5.13%
LendUS LLC0.06%(3.0)2.09%
Fairway Independent Mortgage Corporation0.06%(3.0)1.08%
Freedom Mortgage Corporation0.06%(3.0)0.71%
Pacific Trust Mortgage0.07%(3.0)3.88%
PennyMac Loan Services0.07%(3.0)0.50%
Dignified Home Loans0.08%(3.0)1.43%
Synergy One Lending0.09%(3.0)0.64%
Camino Real Mortgage Bankers0.11%(3.0)0.39%
HomeBridge Financial Services0.12%(3.0)1.93%
JMAC0.14%(3.0)1.33%
Mr. Cooper0.20%(2.5)0.73%
On Q Financial0.22%(2.5)0.85%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.21%(4.5)1.82%
Wells Fargo Bank-0.19%(4.5)14.29%
JPMorgan Chase Bank-0.09%(4.0)2.39%
Homeowners Financial Group-0.05%(4.0)1.18%
Golden Empire Mortgage-0.05%(3.5)1.21%
Servion-0.04%(3.5)0.36%
US Bank-0.04%(3.5)0.57%
Citibank-0.03%(3.5)0.36%
Guaranteed Rate-0.03%(3.5)2.39%
Kinecta-0.03%(3.5)0.25%
Union Bank-0.03%(3.5)1.29%
CMG Financial-0.02%(3.5)4.96%
KD Capital Mortgage Corp-0.02%(3.5)3.82%
Quicken Loans-0.02%(3.5)5.50%
Provident Funding-0.02%(3.5)0.57%
USAA-0.02%(3.5)0.46%
Mid America Mortgage-0.01%(3.5)0.25%
Flagstar Bank-0.01%(3.5)6.25%
PennyMac Loan Services-0.01%(3.5)0.29%
Golden 1 Credit Union-0.01%(3.5)0.54%
SESLOC Federal Credit Union-0.00%(3.5)0.82%
Cornerstone Home Lending0.00%(3.5)2.39%
CoastHills Credit Union0.00%(3.5)0.68%
Home Point Financial Corporation0.01%(3.5)0.57%
loanDepot0.01%(3.5)3.21%
NBKC Bank0.01%(3.5)0.32%
Kings Mortgage Services0.01%(3.5)0.71%
American Pacific Mortgage0.01%(3.5)1.75%
Carrington Mortgage Services0.02%(3.5)0.14%
HomeServices Lending0.02%(3.5)0.43%
Movement Mortgage0.02%(3.5)0.54%
First Bank MO0.03%(3.5)0.25%
Draper and Kramer Mortgage Corp0.03%(3.5)0.54%
CIT Bank0.03%(3.5)0.07%
Interactive Mortgage0.03%(3.5)0.04%
Navy Federal Credit Union0.03%(3.5)0.14%
Mr. Cooper0.03%(3.5)0.07%
Bank in San Ramon0.03%(3.5)0.39%
Pacific Trust Mortgage0.03%(3.5)4.39%
Geneva Financial Home Loans0.04%(3.5)0.43%
Stearns Home Loans0.05%(3.5)0.64%
Sierra Pacific Mortgage0.05%(3.5)2.68%
Guild Mortgage Company0.05%(3.5)4.54%
Mechanics Bank CA0.05%(3.0)0.75%
NewRez0.05%(3.0)0.75%
Fairway Independent Mortgage Corporation0.07%(3.0)1.82%
New American Funding0.08%(3.0)1.04%
PRMG Mortgage0.08%(3.0)0.46%
LendUS LLC0.10%(3.0)2.39%
Freedom Mortgage Corporation0.12%(3.0)0.93%
Caliber Home Loans0.12%(3.0)5.46%
PrimeLending0.12%(3.0)0.64%
Dignified Home Loans0.12%(3.0)1.54%
Finance of America Mortgage0.15%(3.0)2.29%
Camino Real Mortgage Bankers0.15%(3.0)0.57%
Synergy One Lending0.15%(3.0)0.96%
HomeBridge Financial Services0.16%(2.5)2.21%
JMAC0.17%(2.5)1.64%
On Q Financial0.25%(2.5)2.04%
Lender NameRate DifferenceRate RatingMarket Share
Interactive Mortgage-0.25%(5.0)1.07%
Provident Funding-0.17%(4.5)2.63%
loanDepot-0.14%(4.0)4.53%
CoastHills Credit Union-0.13%(4.0)2.13%
Servion-0.12%(4.0)0.84%
Home Point Financial Corporation-0.12%(4.0)0.63%
Union Bank-0.10%(4.0)1.43%
NBKC Bank-0.10%(4.0)0.43%
SESLOC Federal Credit Union-0.09%(4.0)1.63%
Homeowners Financial Group-0.07%(4.0)0.57%
KD Capital Mortgage Corp-0.07%(4.0)2.43%
Sierra Pacific Mortgage-0.07%(4.0)2.47%
Guaranteed Rate-0.06%(4.0)1.88%
Cornerstone Home Lending-0.05%(3.5)1.90%
Finance of America Mortgage-0.05%(3.5)1.86%
CMG Financial-0.04%(3.5)2.90%
Navy Federal Credit Union-0.03%(3.5)0.09%
Bank of America-0.03%(3.5)1.54%
First Bank MO-0.02%(3.5)0.41%
PrimeLending-0.02%(3.5)0.29%
Mid America Mortgage-0.02%(3.5)0.23%
USAA-0.02%(3.5)0.27%
Golden 1 Credit Union-0.02%(3.5)1.22%
Bank in San Ramon-0.02%(3.5)0.36%
Movement Mortgage-0.02%(3.5)0.25%
Stearns Home Loans-0.02%(3.5)0.45%
Citibank-0.02%(3.5)0.11%
CashCall Mortgage-0.01%(3.5)1.07%
NewRez-0.01%(3.5)1.09%
American Pacific Mortgage-0.01%(3.5)1.02%
Kinecta-0.00%(3.5)0.45%
HomeServices Lending0.00%(3.5)0.11%
PRMG Mortgage0.00%(3.5)0.18%
Draper and Kramer Mortgage Corp0.00%(3.5)0.52%
Carrington Mortgage Services0.01%(3.5)0.36%
New American Funding0.01%(3.5)0.86%
Synergy One Lending0.01%(3.5)0.43%
Caliber Home Loans0.01%(3.5)4.92%
Guild Mortgage Company0.01%(3.5)3.08%
Freedom Mortgage Corporation0.02%(3.5)0.57%
Kings Mortgage Services0.02%(3.5)0.25%
Golden Empire Mortgage0.02%(3.5)0.70%
Quicken Loans0.02%(3.5)16.14%
US Bank0.02%(3.5)0.48%
Geneva Financial Home Loans0.03%(3.5)0.25%
CIT Bank0.03%(3.5)0.07%
LendUS LLC0.03%(3.5)1.90%
Dignified Home Loans0.05%(3.5)1.36%
JPMorgan Chase Bank0.05%(3.5)3.40%
Mechanics Bank CA0.05%(3.0)2.20%
On Q Financial0.06%(3.0)0.09%
Fairway Independent Mortgage Corporation0.06%(3.0)0.61%
Flagstar Bank0.06%(3.0)5.05%
Camino Real Mortgage Bankers0.08%(3.0)0.27%
Wells Fargo Bank0.08%(3.0)9.77%
PennyMac Loan Services0.09%(3.0)0.63%
HomeBridge Financial Services0.09%(3.0)1.75%
Pacific Trust Mortgage0.10%(3.0)3.56%
JMAC0.12%(3.0)1.13%
Mr. Cooper0.20%(2.5)1.16%
Lender NameRate DifferenceRate RatingMarket Share
CMG Financial-0.11%(4.0)10.66%
Quicken Loans-0.05%(4.0)6.02%
First Bank MO-0.03%(3.5)0.75%
Caliber Home Loans-0.03%(3.5)7.65%
LendUS LLC-0.01%(3.5)1.25%
Sierra Pacific Mortgage-0.01%(3.5)2.13%
JMAC-0.01%(3.5)3.76%
Guild Mortgage Company-0.01%(3.5)13.17%
Kings Mortgage Services-0.01%(3.5)0.63%
NewRez-0.01%(3.5)1.25%
Flagstar Bank-0.01%(3.5)1.76%
Home Point Financial Corporation-0.01%(3.5)0.88%
NBKC Bank-0.01%(3.5)0.13%
Bank of America-0.00%(3.5)0.25%
Stearns Home Loans-0.00%(3.5)1.25%
Finance of America Mortgage0.00%(3.5)1.25%
Guaranteed Rate0.00%(3.5)0.25%
Union Bank0.00%(3.5)0.75%
American Pacific Mortgage0.00%(3.5)0.75%
PennyMac Loan Services0.00%(3.5)0.75%
Mid America Mortgage0.00%(3.5)1.38%
Bank in San Ramon0.01%(3.5)0.13%
Homeowners Financial Group0.01%(3.5)0.38%
HomeServices Lending0.01%(3.5)0.13%
Golden Empire Mortgage0.01%(3.5)2.76%
Geneva Financial Home Loans0.01%(3.5)1.13%
Movement Mortgage0.01%(3.5)1.63%
Interactive Mortgage0.01%(3.5)0.13%
Freedom Mortgage Corporation0.01%(3.5)4.52%
Cornerstone Home Lending0.01%(3.5)1.38%
Pacific Trust Mortgage0.02%(3.5)2.89%
Provident Funding0.02%(3.5)0.13%
Wells Fargo Bank0.02%(3.5)0.88%
HomeBridge Financial Services0.02%(3.5)3.64%
PRMG Mortgage0.03%(3.5)1.00%
Dignified Home Loans0.03%(3.5)0.75%
Fairway Independent Mortgage Corporation0.03%(3.5)1.76%
PrimeLending0.03%(3.5)1.13%
Draper and Kramer Mortgage Corp0.04%(3.5)0.75%
New American Funding0.05%(3.5)0.88%
Camino Real Mortgage Bankers0.05%(3.5)4.14%
Carrington Mortgage Services0.05%(3.0)3.89%
Mr. Cooper0.07%(3.0)3.01%
loanDepot0.11%(3.0)3.01%
On Q Financial0.14%(3.0)3.26%
Lender NameRate DifferenceRate RatingMarket Share
CMG Financial-0.15%(4.0)11.55%
Quicken Loans-0.12%(4.0)3.78%
Caliber Home Loans-0.03%(3.5)5.98%
First Bank MO-0.03%(3.5)1.20%
Flagstar Bank-0.03%(3.5)1.99%
LendUS LLC-0.02%(3.5)1.39%
NewRez-0.02%(3.5)0.80%
Mid America Mortgage-0.02%(3.5)1.00%
Sierra Pacific Mortgage-0.02%(3.5)3.39%
JMAC-0.02%(3.5)4.78%
Kings Mortgage Services-0.02%(3.5)0.80%
NBKC Bank-0.01%(3.5)0.20%
Finance of America Mortgage-0.01%(3.5)1.20%
Bank of America-0.01%(3.5)0.40%
Stearns Home Loans-0.01%(3.5)1.00%
American Pacific Mortgage-0.01%(3.5)1.00%
Freedom Mortgage Corporation-0.00%(3.5)4.78%
Homeowners Financial Group-0.00%(3.5)0.40%
PennyMac Loan Services-0.00%(3.5)0.20%
Union Bank-0.00%(3.5)0.80%
Golden Empire Mortgage-0.00%(3.5)3.39%
Guaranteed Rate-0.00%(3.5)0.20%
HomeServices Lending-0.00%(3.5)0.20%
Pacific Trust Mortgage0.00%(3.5)3.39%
Home Point Financial Corporation0.00%(3.5)0.60%
Geneva Financial Home Loans0.00%(3.5)1.59%
Movement Mortgage0.00%(3.5)2.39%
Cornerstone Home Lending0.01%(3.5)1.39%
Wells Fargo Bank0.01%(3.5)1.39%
New American Funding0.02%(3.5)0.40%
PRMG Mortgage0.02%(3.5)1.59%
HomeBridge Financial Services0.02%(3.5)3.19%
Dignified Home Loans0.03%(3.5)1.00%
Fairway Independent Mortgage Corporation0.03%(3.5)2.39%
PrimeLending0.03%(3.5)1.59%
Mr. Cooper0.03%(3.5)1.00%
Carrington Mortgage Services0.04%(3.5)1.79%
Draper and Kramer Mortgage Corp0.04%(3.5)1.00%
Camino Real Mortgage Bankers0.05%(3.0)5.58%
Guild Mortgage Company0.08%(3.0)11.35%
loanDepot0.12%(3.0)2.99%
On Q Financial0.14%(3.0)4.98%
Lender NameRate DifferenceRate RatingMarket Share
Guild Mortgage Company-0.11%(4.0)16.27%
CMG Financial-0.03%(3.5)9.15%
Caliber Home Loans-0.01%(3.5)10.51%
Home Point Financial Corporation-0.01%(3.5)1.36%
Quicken Loans-0.01%(3.5)9.83%
JMAC-0.00%(3.5)2.03%
LendUS LLC0.00%(3.5)1.02%
Stearns Home Loans0.00%(3.5)1.69%
Camino Real Mortgage Bankers0.01%(3.5)1.69%
NewRez0.01%(3.5)2.03%
Guaranteed Rate0.01%(3.5)0.34%
Union Bank0.01%(3.5)0.68%
Kings Mortgage Services0.01%(3.5)0.34%
American Pacific Mortgage0.01%(3.5)0.34%
PennyMac Loan Services0.01%(3.5)1.69%
Bank in San Ramon0.02%(3.5)0.34%
Draper and Kramer Mortgage Corp0.02%(3.5)0.34%
Finance of America Mortgage0.02%(3.5)1.36%
HomeBridge Financial Services0.02%(3.5)4.41%
Interactive Mortgage0.02%(3.5)0.34%
Dignified Home Loans0.02%(3.5)0.34%
Homeowners Financial Group0.02%(3.5)0.34%
Cornerstone Home Lending0.03%(3.5)1.36%
Mid America Mortgage0.03%(3.5)2.03%
Geneva Financial Home Loans0.03%(3.5)0.34%
On Q Financial0.03%(3.5)0.34%
Provident Funding0.03%(3.5)0.34%
Movement Mortgage0.03%(3.5)0.34%
Golden Empire Mortgage0.03%(3.5)1.69%
PrimeLending0.04%(3.5)0.34%
Fairway Independent Mortgage Corporation0.04%(3.5)0.68%
Pacific Trust Mortgage0.05%(3.5)2.03%
Freedom Mortgage Corporation0.05%(3.5)4.07%
Flagstar Bank0.05%(3.0)1.36%
New American Funding0.07%(3.0)1.69%
Carrington Mortgage Services0.07%(3.0)7.46%
Mr. Cooper0.09%(3.0)6.44%
loanDepot0.10%(3.0)3.05%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.13%(4.0)9.98%
Wells Fargo Bank-0.10%(4.0)23.71%
Citibank-0.03%(3.5)1.82%
SESLOC Federal Credit Union-0.03%(3.5)1.39%
US Bank0.00%(3.5)2.36%
JPMorgan Chase Bank0.01%(3.5)9.98%
Golden 1 Credit Union0.02%(3.5)0.64%
Homeowners Financial Group0.02%(3.5)0.54%
HomeServices Lending0.03%(3.5)2.68%
Guild Mortgage Company0.03%(3.5)0.21%
Finance of America Mortgage0.04%(3.5)2.90%
Cornerstone Home Lending0.04%(3.5)4.83%
Home Point Financial Corporation0.04%(3.5)0.11%
Fairway Independent Mortgage Corporation0.04%(3.5)0.11%
CoastHills Credit Union0.04%(3.5)0.11%
KD Capital Mortgage Corp0.04%(3.5)0.21%
Golden Empire Mortgage0.04%(3.5)0.21%
Movement Mortgage0.04%(3.5)0.11%
Navy Federal Credit Union0.04%(3.5)0.21%
PennyMac Loan Services0.05%(3.5)0.11%
American Pacific Mortgage0.05%(3.0)0.64%
Dignified Home Loans0.05%(3.0)0.21%
Sierra Pacific Mortgage0.06%(3.0)0.43%
PRMG Mortgage0.06%(3.0)0.11%
Draper and Kramer Mortgage Corp0.06%(3.0)0.43%
Kings Mortgage Services0.06%(3.0)0.11%
Geneva Financial Home Loans0.06%(3.0)0.11%
CMG Financial0.06%(3.0)0.32%
Mechanics Bank CA0.06%(3.0)2.25%
Kinecta0.06%(3.0)0.64%
JMAC0.06%(3.0)0.43%
New American Funding0.06%(3.0)1.61%
Bank in San Ramon0.07%(3.0)2.79%
Guaranteed Rate0.07%(3.0)3.22%
Stearns Home Loans0.07%(3.0)0.54%
Synergy One Lending0.07%(3.0)1.39%
Flagstar Bank0.08%(3.0)3.00%
NewRez0.08%(3.0)0.97%
Pacific Trust Mortgage0.09%(3.0)0.64%
LendUS LLC0.09%(3.0)0.86%
Quicken Loans0.09%(3.0)0.97%
CIT Bank0.09%(3.0)3.97%
loanDepot0.10%(3.0)1.29%
Caliber Home Loans0.11%(3.0)2.68%
On Q Financial0.12%(3.0)1.39%
HomeBridge Financial Services0.12%(3.0)4.83%
Union Bank0.12%(3.0)1.93%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.15%(4.5)9.15%
Wells Fargo Bank-0.11%(4.0)26.58%
Citibank-0.03%(3.5)2.40%
US Bank0.01%(3.5)2.40%
JPMorgan Chase Bank0.02%(3.5)9.80%
Golden 1 Credit Union0.03%(3.5)0.44%
Bank in San Ramon0.03%(3.5)2.40%
HomeServices Lending0.03%(3.5)3.27%
Homeowners Financial Group0.04%(3.5)1.09%
Sierra Pacific Mortgage0.04%(3.5)0.44%
SESLOC Federal Credit Union0.05%(3.5)0.22%
Guild Mortgage Company0.05%(3.5)0.44%
Mechanics Bank CA0.05%(3.5)1.31%
KD Capital Mortgage Corp0.05%(3.5)0.22%
Fairway Independent Mortgage Corporation0.05%(3.0)0.22%
CoastHills Credit Union0.05%(3.0)0.22%
Finance of America Mortgage0.05%(3.0)2.83%
Navy Federal Credit Union0.06%(3.0)0.44%
LendUS LLC0.06%(3.0)0.65%
Pacific Trust Mortgage0.06%(3.0)0.22%
American Pacific Mortgage0.06%(3.0)0.44%
Dignified Home Loans0.07%(3.0)0.44%
PRMG Mortgage0.07%(3.0)0.22%
Kings Mortgage Services0.07%(3.0)0.22%
Cornerstone Home Lending0.07%(3.0)3.70%
Geneva Financial Home Loans0.07%(3.0)0.22%
CMG Financial0.07%(3.0)0.44%
Draper and Kramer Mortgage Corp0.07%(3.0)0.65%
Guaranteed Rate0.08%(3.0)2.40%
CIT Bank0.08%(3.0)3.49%
New American Funding0.09%(3.0)1.74%
Stearns Home Loans0.09%(3.0)0.87%
JMAC0.09%(3.0)0.44%
Synergy One Lending0.09%(3.0)1.74%
loanDepot0.10%(3.0)0.65%
Flagstar Bank0.10%(3.0)3.92%
NewRez0.11%(3.0)1.09%
Quicken Loans0.11%(3.0)0.87%
On Q Financial0.13%(3.0)2.61%
Caliber Home Loans0.14%(3.0)2.40%
HomeBridge Financial Services0.14%(3.0)4.14%
Union Bank0.15%(2.5)2.61%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.12%(4.0)10.78%
Wells Fargo Bank-0.08%(4.0)20.93%
SESLOC Federal Credit Union-0.04%(3.5)2.54%
Citibank-0.03%(3.5)1.27%
US Bank-0.01%(3.5)2.33%
JPMorgan Chase Bank0.01%(3.5)10.15%
Cornerstone Home Lending0.01%(3.5)5.92%
Golden 1 Credit Union0.02%(3.5)0.85%
Finance of America Mortgage0.02%(3.5)2.96%
HomeServices Lending0.03%(3.5)2.11%
Home Point Financial Corporation0.03%(3.5)0.21%
Stearns Home Loans0.03%(3.5)0.21%
Golden Empire Mortgage0.03%(3.5)0.42%
Movement Mortgage0.03%(3.5)0.21%
KD Capital Mortgage Corp0.03%(3.5)0.21%
JMAC0.04%(3.5)0.42%
Synergy One Lending0.04%(3.5)1.06%
PennyMac Loan Services0.04%(3.5)0.21%
Draper and Kramer Mortgage Corp0.04%(3.5)0.21%
American Pacific Mortgage0.04%(3.5)0.85%
NewRez0.04%(3.5)0.85%
On Q Financial0.04%(3.5)0.21%
New American Funding0.04%(3.5)1.48%
CMG Financial0.05%(3.5)0.21%
Flagstar Bank0.05%(3.5)2.11%
Kinecta0.05%(3.0)1.27%
Guaranteed Rate0.05%(3.0)4.02%
Mechanics Bank CA0.06%(3.0)3.17%
Union Bank0.07%(3.0)1.27%
Quicken Loans0.07%(3.0)1.06%
Sierra Pacific Mortgage0.07%(3.0)0.42%
Pacific Trust Mortgage0.08%(3.0)1.06%
Caliber Home Loans0.09%(3.0)2.96%
loanDepot0.09%(3.0)1.90%
Bank in San Ramon0.09%(3.0)3.17%
HomeBridge Financial Services0.10%(3.0)5.50%
CIT Bank0.10%(3.0)4.44%
LendUS LLC0.10%(3.0)1.06%
Lender NameRate DifferenceRate RatingMarket Share
loanDepot-0.09%(4.0)4.69%
Navy Federal Credit Union-0.09%(4.0)3.43%
PennyMac Loan Services-0.08%(4.0)6.86%
Caliber Home Loans-0.05%(4.0)10.18%
KD Capital Mortgage Corp-0.05%(3.5)3.32%
Mid America Mortgage-0.05%(3.5)1.83%
Stearns Home Loans-0.02%(3.5)0.69%
Wells Fargo Bank-0.02%(3.5)2.86%
JMAC-0.01%(3.5)2.29%
NBKC Bank-0.00%(3.5)1.03%
Guaranteed Rate0.01%(3.5)1.14%
Camino Real Mortgage Bankers0.01%(3.5)0.11%
Flagstar Bank0.01%(3.5)6.64%
Union Bank0.01%(3.5)0.11%
Homeowners Financial Group0.01%(3.5)0.34%
PRMG Mortgage0.01%(3.5)0.46%
CoastHills Credit Union0.01%(3.5)0.46%
Dignified Home Loans0.01%(3.5)0.46%
Home Point Financial Corporation0.01%(3.5)2.29%
CMG Financial0.01%(3.5)6.18%
New American Funding0.01%(3.5)0.34%
NewRez0.01%(3.5)1.03%
Kings Mortgage Services0.01%(3.5)0.34%
Guild Mortgage Company0.01%(3.5)6.64%
Kinecta0.02%(3.5)0.11%
American Pacific Mortgage0.02%(3.5)1.72%
Geneva Financial Home Loans0.02%(3.5)0.80%
US Bank0.02%(3.5)0.34%
Movement Mortgage0.02%(3.5)0.92%
Golden Empire Mortgage0.02%(3.5)0.92%
HomeBridge Financial Services0.03%(3.5)5.38%
Fairway Independent Mortgage Corporation0.03%(3.5)1.14%
Pacific Trust Mortgage0.03%(3.5)1.72%
Finance of America Mortgage0.03%(3.5)1.26%
LendUS LLC0.03%(3.5)0.69%
Sierra Pacific Mortgage0.04%(3.5)0.80%
USAA0.04%(3.5)5.61%
Synergy One Lending0.05%(3.5)0.57%
Mr. Cooper0.05%(3.5)0.46%
Cornerstone Home Lending0.05%(3.0)0.80%
Quicken Loans0.07%(3.0)6.52%
Freedom Mortgage Corporation0.08%(3.0)2.75%
Carrington Mortgage Services0.08%(3.0)1.72%
On Q Financial0.15%(2.5)2.06%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.10%(4.0)7.53%
Caliber Home Loans-0.07%(4.0)6.49%
PennyMac Loan Services-0.06%(4.0)2.86%
HomeBridge Financial Services-0.04%(3.5)4.68%
KD Capital Mortgage Corp-0.03%(3.5)2.34%
Wells Fargo Bank-0.03%(3.5)6.49%
CMG Financial-0.02%(3.5)8.05%
NBKC Bank-0.01%(3.5)1.04%
CoastHills Credit Union-0.01%(3.5)0.78%
Quicken Loans-0.01%(3.5)3.90%
Home Point Financial Corporation-0.00%(3.5)0.26%
Golden Empire Mortgage-0.00%(3.5)0.78%
Camino Real Mortgage Bankers-0.00%(3.5)0.26%
Freedom Mortgage Corporation-0.00%(3.5)2.86%
Stearns Home Loans0.00%(3.5)0.26%
Homeowners Financial Group0.00%(3.5)0.26%
Guaranteed Rate0.00%(3.5)1.30%
NewRez0.00%(3.5)1.82%
Mid America Mortgage0.00%(3.5)0.78%
JMAC0.00%(3.5)2.60%
Dignified Home Loans0.00%(3.5)0.52%
New American Funding0.01%(3.5)0.52%
American Pacific Mortgage0.01%(3.5)2.34%
Kings Mortgage Services0.01%(3.5)0.52%
Movement Mortgage0.01%(3.5)1.82%
Kinecta0.01%(3.5)0.26%
US Bank0.01%(3.5)0.78%
Geneva Financial Home Loans0.01%(3.5)1.56%
Fairway Independent Mortgage Corporation0.01%(3.5)1.56%
Carrington Mortgage Services0.02%(3.5)0.78%
Pacific Trust Mortgage0.02%(3.5)2.60%
Mr. Cooper0.03%(3.5)0.26%
loanDepot0.03%(3.5)1.82%
LendUS LLC0.03%(3.5)1.04%
Sierra Pacific Mortgage0.03%(3.5)1.04%
USAA0.03%(3.5)7.01%
Finance of America Mortgage0.04%(3.5)1.56%
Synergy One Lending0.04%(3.5)1.04%
Flagstar Bank0.05%(3.0)5.19%
Cornerstone Home Lending0.05%(3.0)1.56%
Guild Mortgage Company0.06%(3.0)6.23%
On Q Financial0.14%(3.0)4.68%
Lender NameRate DifferenceRate RatingMarket Share
loanDepot-0.11%(4.0)6.95%
PennyMac Loan Services-0.08%(4.0)10.02%
Mid America Mortgage-0.05%(4.0)2.66%
KD Capital Mortgage Corp-0.05%(4.0)4.09%
Caliber Home Loans-0.04%(3.5)13.09%
JMAC-0.02%(3.5)2.04%
Stearns Home Loans-0.02%(3.5)1.02%
Flagstar Bank-0.02%(3.5)7.77%
Guild Mortgage Company-0.01%(3.5)6.95%
NBKC Bank0.00%(3.5)1.02%
Guaranteed Rate0.01%(3.5)1.02%
Cornerstone Home Lending0.01%(3.5)0.20%
Navy Federal Credit Union0.01%(3.5)0.20%
Homeowners Financial Group0.01%(3.5)0.41%
Union Bank0.01%(3.5)0.20%
Dignified Home Loans0.01%(3.5)0.41%
PRMG Mortgage0.01%(3.5)0.82%
New American Funding0.01%(3.5)0.20%
Geneva Financial Home Loans0.01%(3.5)0.20%
Kings Mortgage Services0.02%(3.5)0.20%
Home Point Financial Corporation0.02%(3.5)3.89%
Finance of America Mortgage0.02%(3.5)1.02%
LendUS LLC0.02%(3.5)0.41%
American Pacific Mortgage0.03%(3.5)1.23%
NewRez0.03%(3.5)0.41%
Synergy One Lending0.03%(3.5)0.20%
Pacific Trust Mortgage0.03%(3.5)1.02%
Golden Empire Mortgage0.04%(3.5)1.02%
Fairway Independent Mortgage Corporation0.04%(3.5)0.82%
Movement Mortgage0.04%(3.5)0.20%
CoastHills Credit Union0.04%(3.5)0.20%
Sierra Pacific Mortgage0.05%(3.5)0.61%
USAA0.05%(3.5)4.50%
CMG Financial0.05%(3.0)4.70%
Mr. Cooper0.06%(3.0)0.61%
HomeBridge Financial Services0.07%(3.0)5.93%
Quicken Loans0.10%(3.0)8.59%
Carrington Mortgage Services0.10%(3.0)2.45%
Freedom Mortgage Corporation0.15%(2.5)2.66%

* Data is compiled for the Santa Maria, CA commuting zone area, which comprises of counties of San Luis Obispo County, CA, and Santa Barbara County, CA. This includes cities/towns/communities of Santa Maria, CA as well as Santa Barbara, CA, El Paso de Robles (Paso Robles), CA, Atascadero, CA, Orcutt, CA, San Luis Obispo, CA, Nipomo, CA, Goleta, CA, Lompoc, CA, Arroyo Grande, CA, Los Osos, CA, Templeton, CA, Carpinteria, CA, Grover Beach, CA, Vandenberg Village, CA, Morro Bay, CA, Mission Canyon, CA, Ballard, CA, Buellton, CA, Pismo Beach, CA, Oak Shores, CA, Cambria, CA, Guadalupe, CA, Montecito, CA, Creston, CA, Santa Ynez, CA, Los Alamos, CA, Edna, CA, Oceano, CA, Isla Vista, CA, Cayucos, CA, Garey, CA, San Simeon, CA, Cuyama, CA, and Vandenberg AFB, CA. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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