Top Mortgage Lenders in the Santa Maria, CA area

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, we provide a data driven ranking of mortgage lenders in the Santa Maria, CA area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Santa Maria, CA area is Interactive Mortgage, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.23%. This means that Interactive Mortgage provided a -0.23% lower interest rate for its customers than other lenders in Santa Maria, CA for a similar set of borrowers. Interactive Mortgage has a market share of 0.5%. On the other hand, the most popular lender in the market is Wells Fargo Bank, with a market share of 10.7%. Wells Fargo Bank is an average rate lender in this area, with a “Rate Difference” of -0.07% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for 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 $510,400 in 2020), 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 Mortgage Inc. The cheapest VA mortgage provider is LoanDepot. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Interactive Mortgage 1, -0.23% 0.48%
Provident Funding Associates 2, -0.14% 1.31%
Bank of America 3, -0.13% 2.13%
CoastHills Credit Union 4, -0.09% 1.16%
Servion, Inc 5, -0.09% 0.46%
LoanDepot 6, -0.08% 3.72%
Wells Fargo Bank 7, -0.07% 10.74%
Navy Federal Credit Union 8, -0.07% 0.41%
SESLOC Federal Credit Union 9, -0.06% 1.06%
Homeowners Financial Group 10, -0.05% 0.68%
Citibank 11, -0.05% 0.31%
KD Capital Mortgage Corp 12, -0.04% 2.41%
NBKC Bank 13, -0.04% 0.37%
MUFG Union Bank 14, -0.04% 1.24%
CMG Mortgage Inc 15, -0.04% 4.06%
JG Wentworth Home Lending 16, -0.04% 0.45%
Home Point Financial Corporation 17, -0.03% 0.72%
Guaranteed Rate Inc 18, -0.03% 1.91%
Mid America Mortgage Inc 19, -0.02% 0.44%
Pennymac Loan Services 20, -0.02% 1.08%
Cornerstone Home Lending, Inc 21, -0.01% 2.14%
Us Bank 22, -0.01% 0.63%
Sierra Pacific Mortgage 23, -0.01% 2.12%
The Golden 1 Credit Union 24, -0.01% 0.74%
First Bank 25, -0.01% 0.30%
JPMorgan Chase Bank 26, -0.00% 3.13%
Golden Empire Mortgage, Inc 27, 0.00% 0.99%
CashCall Mortgage 28, 0.00% 0.47%
Kinecta Federal Credit Union 29, 0.00% 0.33%
HomeServices Lending 30, 0.01% 0.42%
American Pacific Mortgage Corporation 31, 0.01% 1.21%
Stearns Lending 32, 0.01% 0.59%
Movement Mortgage 33, 0.01% 0.49%
Kings Mortgage Services Inc 34, 0.01% 0.39%
Newrez 35, 0.02% 0.96%
Draper and Kramer Mortgage Corp 36, 0.02% 0.48%
Guild Mortgage Company 37, 0.02% 4.25%
Usaa Federal Savings Bank 38, 0.02% 0.73%
Bank Of The West 39, 0.02% 0.53%
Paramount Equity Mortgage 40, 0.03% 0.38%
Flagstar Bank 41, 0.03% 4.93%
Quicken Loans 42, 0.03% 10.56%
Finance of America Mortgage 43, 0.03% 1.96%
Caliber Home Loans Inc 44, 0.03% 5.43%
Geneva Financial 45, 0.03% 0.41%
New American Funding 46, 0.04% 0.91%
Paramount Residential Mortgage Group Inc 47, 0.04% 0.35%
Carrington Mortgage Services 48, 0.05% 0.65%
Mechanics Bank 49, 0.06% 1.37%
Primelending 50, 0.06% 0.40%
Freedom Mortgage Corporation 51, 0.06% 1.12%
Cit Bank 52, 0.06% 0.41%
Fairway Independent Mort Corp 53, 0.06% 1.06%
RPM Mortgage 54, 0.06% 1.75%
Coastal Funding SLC Inc 55, 0.06% 3.21%
Synergy One Lending 56, 0.08% 0.64%
Del Sur Corp DBA: Camino Real Mortgage Bankers 57, 0.08% 0.61%
Resource Lenders Inc 58, 0.08% 0.33%
Dignified Home Loans 59, 0.09% 1.17%
HomeBridge Financial Services, Inc 60, 0.09% 2.69%
Jmac 61, 0.09% 1.49%
Nationstar Mortgage 62, 0.14% 0.88%
On Q Financial Inc 63, 0.18% 1.19%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.20% 2.26%
Wells Fargo Bank 2, -0.17% 13.17%
Navy Federal Credit Union 3, -0.07% 0.85%
JPMorgan Chase Bank 4, -0.06% 2.68%
Citibank 5, -0.05% 0.49%
CMG Mortgage Inc 6, -0.05% 5.43%
Servion, Inc 7, -0.04% 0.24%
Homeowners Financial Group 8, -0.04% 0.96%
Us Bank 9, -0.03% 0.73%
Quicken Loans 10, -0.03% 4.89%
Pennymac Loan Services 11, -0.03% 0.47%
Golden Empire Mortgage, Inc 12, -0.03% 1.27%
Kinecta Federal Credit Union 13, -0.02% 0.19%
KD Capital Mortgage Corp 14, -0.02% 2.75%
Guaranteed Rate Inc 15, -0.02% 2.02%
Provident Funding Associates 16, -0.02% 0.38%
Mid America Mortgage Inc 17, -0.00% 0.38%
The Golden 1 Credit Union 18, -0.00% 0.40%
SESLOC Federal Credit Union 19, 0.00% 0.56%
CoastHills Credit Union 20, 0.00% 0.54%
Flagstar Bank 21, 0.00% 5.29%
First Bank 22, 0.01% 0.31%
NBKC Bank 23, 0.01% 0.33%
Home Point Financial Corporation 24, 0.01% 0.47%
MUFG Union Bank 25, 0.01% 1.22%
HomeServices Lending 26, 0.01% 0.66%
Kings Mortgage Services Inc 27, 0.01% 0.63%
Cornerstone Home Lending, Inc 28, 0.01% 2.35%
Bank Of The West 29, 0.02% 0.52%
American Pacific Mortgage Corporation 30, 0.02% 1.58%
LoanDepot 31, 0.02% 2.77%
Movement Mortgage 32, 0.02% 0.85%
Usaa Federal Savings Bank 33, 0.03% 0.94%
JG Wentworth Home Lending 34, 0.03% 0.07%
Coastal Funding SLC Inc 35, 0.03% 3.62%
Interactive Mortgage 36, 0.03% 0.02%
Draper and Kramer Mortgage Corp 37, 0.04% 0.54%
Geneva Financial 38, 0.04% 0.68%
Stearns Lending 39, 0.04% 0.66%
Nationstar Mortgage 40, 0.04% 0.19%
Carrington Mortgage Services 41, 0.04% 0.38%
Newrez 42, 0.04% 0.87%
Sierra Pacific Mortgage 43, 0.04% 2.37%
Cit Bank 44, 0.05% 0.42%
Mechanics Bank 45, 0.05% 0.63%
Freedom Mortgage Corporation 46, 0.06% 1.43%
Fairway Independent Mort Corp 47, 0.06% 1.72%
Paramount Residential Mortgage Group Inc 48, 0.06% 0.54%
Guild Mortgage Company 49, 0.06% 5.01%
New American Funding 50, 0.07% 0.96%
Caliber Home Loans Inc 51, 0.08% 5.22%
RPM Mortgage 52, 0.09% 1.98%
Resource Lenders Inc 53, 0.09% 0.59%
Del Sur Corp DBA: Camino Real Mortgage Bankers 54, 0.09% 1.06%
Primelending 55, 0.10% 0.63%
Jmac 56, 0.10% 1.95%
Dignified Home Loans 57, 0.10% 1.25%
Finance of America Mortgage 58, 0.11% 2.14%
HomeBridge Financial Services, Inc 59, 0.11% 2.85%
Synergy One Lending 60, 0.12% 0.94%
On Q Financial Inc 61, 0.20% 2.70%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Interactive Mortgage 1, -0.24% 0.81%
Provident Funding Associates 2, -0.17% 1.97%
LoanDepot 3, -0.13% 4.40%
CoastHills Credit Union 4, -0.12% 1.60%
Servion, Inc 5, -0.11% 0.62%
Bank of America 6, -0.08% 2.04%
SESLOC Federal Credit Union 7, -0.08% 1.42%
MUFG Union Bank 8, -0.08% 1.25%
NBKC Bank 9, -0.07% 0.40%
KD Capital Mortgage Corp 10, -0.06% 2.16%
Sierra Pacific Mortgage 11, -0.06% 1.94%
Homeowners Financial Group 12, -0.05% 0.47%
Home Point Financial Corporation 13, -0.05% 0.89%
JG Wentworth Home Lending 14, -0.05% 0.73%
Cornerstone Home Lending, Inc 15, -0.04% 1.99%
Guaranteed Rate Inc 16, -0.04% 1.82%
Finance of America Mortgage 17, -0.04% 1.84%
Mid America Mortgage Inc 18, -0.03% 0.49%
Citibank 19, -0.03% 0.19%
CMG Mortgage Inc 20, -0.03% 3.07%
Pennymac Loan Services 21, -0.02% 1.52%
Navy Federal Credit Union 22, -0.02% 0.10%
Guild Mortgage Company 23, -0.02% 3.71%
First Bank 24, -0.02% 0.30%
Stearns Lending 25, -0.01% 0.54%
The Golden 1 Credit Union 26, -0.01% 0.98%
Primelending 27, -0.01% 0.24%
Movement Mortgage 28, -0.00% 0.24%
Caliber Home Loans Inc 29, -0.00% 5.59%
CashCall Mortgage 30, -0.00% 0.81%
Newrez 31, -0.00% 1.03%
American Pacific Mortgage Corporation 32, 0.00% 0.94%
HomeServices Lending 33, 0.00% 0.25%
Draper and Kramer Mortgage Corp 34, 0.00% 0.44%
Kinecta Federal Credit Union 35, 0.01% 0.44%
Us Bank 36, 0.01% 0.56%
New American Funding 37, 0.02% 0.88%
Usaa Federal Savings Bank 38, 0.02% 0.57%
Synergy One Lending 39, 0.02% 0.42%
Paramount Residential Mortgage Group Inc 40, 0.02% 0.22%
Paramount Equity Mortgage 41, 0.02% 0.66%
Bank Of The West 42, 0.02% 0.54%
Kings Mortgage Services Inc 43, 0.02% 0.22%
JPMorgan Chase Bank 44, 0.03% 3.46%
Geneva Financial 45, 0.03% 0.22%
RPM Mortgage 46, 0.03% 1.59%
Golden Empire Mortgage, Inc 47, 0.03% 0.79%
Quicken Loans 48, 0.04% 14.63%
Wells Fargo Bank 49, 0.04% 8.99%
Flagstar Bank 50, 0.05% 4.67%
Carrington Mortgage Services 51, 0.05% 0.84%
On Q Financial Inc 52, 0.05% 0.10%
Mechanics Bank 53, 0.05% 1.89%
Freedom Mortgage Corporation 54, 0.06% 0.89%
Del Sur Corp DBA: Camino Real Mortgage Bankers 55, 0.06% 0.29%
Fairway Independent Mort Corp 56, 0.06% 0.59%
Cit Bank 57, 0.06% 0.40%
Dignified Home Loans 58, 0.07% 1.11%
HomeBridge Financial Services, Inc 59, 0.07% 2.58%
Resource Lenders Inc 60, 0.08% 0.15%
Jmac 61, 0.09% 1.16%
Coastal Funding SLC Inc 62, 0.10% 2.92%
Nationstar Mortgage 63, 0.15% 1.38%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Interactive Mortgage 1, -0.24% 0.64%
Provident Funding Associates 2, -0.15% 1.77%
Bank of America 3, -0.11% 1.61%
LoanDepot 4, -0.11% 4.03%
CoastHills Credit Union 5, -0.10% 1.51%
Servion, Inc 6, -0.09% 0.63%
MUFG Union Bank 7, -0.07% 1.34%
SESLOC Federal Credit Union 8, -0.06% 1.27%
Home Point Financial Corporation 9, -0.06% 0.60%
NBKC Bank 10, -0.06% 0.37%
Homeowners Financial Group 11, -0.06% 0.78%
Wells Fargo Bank 12, -0.05% 11.18%
Guaranteed Rate Inc 13, -0.05% 2.04%
KD Capital Mortgage Corp 14, -0.05% 2.87%
JG Wentworth Home Lending 15, -0.05% 0.55%
CMG Mortgage Inc 16, -0.03% 3.60%
Citibank 17, -0.03% 0.20%
Cornerstone Home Lending, Inc 18, -0.03% 2.04%
Usaa Federal Savings Bank 19, -0.02% 0.33%
Mid America Mortgage Inc 20, -0.02% 0.23%
Sierra Pacific Mortgage 21, -0.02% 2.49%
The Golden 1 Credit Union 22, -0.01% 0.92%
Golden Empire Mortgage, Inc 23, -0.01% 0.88%
Kinecta Federal Credit Union 24, -0.01% 0.36%
First Bank 25, -0.01% 0.33%
Navy Federal Credit Union 26, -0.01% 0.12%
Us Bank 27, -0.00% 0.50%
CashCall Mortgage 28, -0.00% 0.63%
American Pacific Mortgage Corporation 29, 0.00% 1.26%
Bank Of The West 30, 0.00% 0.36%
JPMorgan Chase Bank 31, 0.00% 2.97%
Movement Mortgage 32, 0.00% 0.35%
Draper and Kramer Mortgage Corp 33, 0.01% 0.52%
Stearns Lending 34, 0.01% 0.52%
HomeServices Lending 35, 0.01% 0.23%
Newrez 36, 0.01% 0.92%
Kings Mortgage Services Inc 37, 0.01% 0.42%
Carrington Mortgage Services 38, 0.01% 0.27%
Paramount Equity Mortgage 39, 0.02% 0.46%
Quicken Loans 40, 0.02% 12.60%
Flagstar Bank 41, 0.03% 5.34%
Guild Mortgage Company 42, 0.03% 3.58%
Cit Bank 43, 0.03% 0.07%
Finance of America Mortgage 44, 0.03% 2.00%
Geneva Financial 45, 0.03% 0.32%
New American Funding 46, 0.03% 0.91%
Paramount Residential Mortgage Group Inc 47, 0.05% 0.29%
Caliber Home Loans Inc 48, 0.05% 5.02%
Mechanics Bank 49, 0.06% 1.58%
Primelending 50, 0.06% 0.43%
RPM Mortgage 51, 0.06% 2.05%
Fairway Independent Mort Corp 52, 0.06% 1.08%
Coastal Funding SLC Inc 53, 0.07% 3.78%
Freedom Mortgage Corporation 54, 0.07% 0.71%
Pennymac Loan Services 55, 0.07% 0.54%
Dignified Home Loans 56, 0.09% 1.43%
Synergy One Lending 57, 0.09% 0.63%
Resource Lenders Inc 58, 0.10% 0.29%
Del Sur Corp DBA: Camino Real Mortgage Bankers 59, 0.11% 0.37%
HomeBridge Financial Services, Inc 60, 0.13% 1.91%
Jmac 61, 0.14% 1.30%
Nationstar Mortgage 62, 0.17% 0.83%
On Q Financial Inc 63, 0.23% 0.83%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.21% 1.78%
Wells Fargo Bank 2, -0.19% 14.10%
JPMorgan Chase Bank 3, -0.09% 2.38%
Homeowners Financial Group 4, -0.05% 1.15%
Golden Empire Mortgage, Inc 5, -0.05% 1.19%
Us Bank 6, -0.04% 0.56%
Servion, Inc 7, -0.04% 0.35%
Citibank 8, -0.03% 0.35%
Guaranteed Rate Inc 9, -0.03% 2.41%
Kinecta Federal Credit Union 10, -0.03% 0.24%
MUFG Union Bank 11, -0.03% 1.26%
Quicken Loans 12, -0.03% 5.88%
CMG Mortgage Inc 13, -0.02% 4.90%
KD Capital Mortgage Corp 14, -0.02% 3.74%
Provident Funding Associates 15, -0.02% 0.56%
Usaa Federal Savings Bank 16, -0.02% 0.45%
Mid America Mortgage Inc 17, -0.01% 0.24%
Flagstar Bank 18, -0.01% 6.12%
Pennymac Loan Services 19, -0.01% 0.28%
The Golden 1 Credit Union 20, -0.01% 0.52%
LoanDepot 21, -0.00% 3.25%
SESLOC Federal Credit Union 22, 0.00% 0.80%
Cornerstone Home Lending, Inc 23, 0.00% 2.34%
CoastHills Credit Union 24, 0.00% 0.66%
Home Point Financial Corporation 25, 0.01% 0.56%
NBKC Bank 26, 0.01% 0.31%
American Pacific Mortgage Corporation 27, 0.01% 1.71%
Kings Mortgage Services Inc 28, 0.01% 0.70%
Carrington Mortgage Services 29, 0.02% 0.14%
HomeServices Lending 30, 0.02% 0.42%
Movement Mortgage 31, 0.02% 0.52%
First Bank 32, 0.03% 0.24%
Draper and Kramer Mortgage Corp 33, 0.03% 0.52%
JG Wentworth Home Lending 34, 0.03% 0.03%
Cit Bank 35, 0.03% 0.07%
Coastal Funding SLC Inc 36, 0.03% 4.37%
Interactive Mortgage 37, 0.03% 0.03%
Navy Federal Credit Union 38, 0.03% 0.14%
Nationstar Mortgage 39, 0.03% 0.07%
Bank Of The West 40, 0.03% 0.38%
Geneva Financial 41, 0.04% 0.45%
Stearns Lending 42, 0.05% 0.63%
Guild Mortgage Company 43, 0.05% 4.51%
Mechanics Bank 44, 0.05% 0.73%
Newrez 45, 0.05% 0.73%
Sierra Pacific Mortgage 46, 0.06% 2.66%
Fairway Independent Mort Corp 47, 0.07% 1.85%
New American Funding 48, 0.08% 1.01%
Paramount Residential Mortgage Group Inc 49, 0.08% 0.45%
RPM Mortgage 50, 0.10% 2.41%
Resource Lenders Inc 51, 0.11% 0.56%
Freedom Mortgage Corporation 52, 0.12% 0.91%
Primelending 53, 0.12% 0.66%
Dignified Home Loans 54, 0.12% 1.54%
Caliber Home Loans Inc 55, 0.12% 5.39%
Finance of America Mortgage 56, 0.14% 2.24%
Synergy One Lending 57, 0.15% 0.98%
Del Sur Corp DBA: Camino Real Mortgage Bankers 58, 0.15% 0.56%
HomeBridge Financial Services, Inc 59, 0.16% 2.27%
Jmac 60, 0.17% 1.61%
On Q Financial Inc 61, 0.25% 2.03%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Interactive Mortgage 1, -0.25% 1.02%
Provident Funding Associates 2, -0.17% 2.52%
LoanDepot 3, -0.15% 4.51%
CoastHills Credit Union 4, -0.12% 2.04%
Servion, Inc 5, -0.11% 0.80%
MUFG Union Bank 6, -0.10% 1.39%
Home Point Financial Corporation 7, -0.10% 0.63%
NBKC Bank 8, -0.10% 0.41%
SESLOC Federal Credit Union 9, -0.09% 1.56%
KD Capital Mortgage Corp 10, -0.07% 2.32%
Sierra Pacific Mortgage 11, -0.07% 2.39%
Homeowners Financial Group 12, -0.07% 0.54%
Guaranteed Rate Inc 13, -0.06% 1.80%
JG Wentworth Home Lending 14, -0.06% 0.87%
Finance of America Mortgage 15, -0.05% 1.84%
Cornerstone Home Lending, Inc 16, -0.05% 1.84%
CMG Mortgage Inc 17, -0.04% 2.80%
Navy Federal Credit Union 18, -0.03% 0.11%
Bank of America 19, -0.03% 1.50%
Mid America Mortgage Inc 20, -0.02% 0.22%
Primelending 21, -0.02% 0.28%
First Bank 22, -0.02% 0.39%
The Golden 1 Credit Union 23, -0.02% 1.17%
Bank Of The West 24, -0.02% 0.35%
Usaa Federal Savings Bank 25, -0.02% 0.26%
Stearns Lending 26, -0.02% 0.46%
Movement Mortgage 27, -0.02% 0.24%
Citibank 28, -0.01% 0.11%
Newrez 29, -0.01% 1.04%
CashCall Mortgage 30, -0.01% 1.02%
American Pacific Mortgage Corporation 31, -0.01% 0.98%
Draper and Kramer Mortgage Corp 32, -0.00% 0.52%
Kinecta Federal Credit Union 33, -0.00% 0.43%
HomeServices Lending 34, 0.00% 0.11%
New American Funding 35, 0.00% 0.85%
Carrington Mortgage Services 36, 0.01% 0.35%
Caliber Home Loans Inc 37, 0.01% 4.79%
Guild Mortgage Company 38, 0.01% 2.99%
Synergy One Lending 39, 0.01% 0.41%
Paramount Equity Mortgage 40, 0.01% 0.74%
Paramount Residential Mortgage Group Inc 41, 0.02% 0.20%
Kings Mortgage Services Inc 42, 0.02% 0.24%
Freedom Mortgage Corporation 43, 0.02% 0.59%
Us Bank 44, 0.03% 0.46%
RPM Mortgage 45, 0.03% 1.82%
Geneva Financial 46, 0.03% 0.24%
Golden Empire Mortgage, Inc 47, 0.03% 0.69%
Quicken Loans 48, 0.03% 16.77%
Cit Bank 49, 0.03% 0.07%
JPMorgan Chase Bank 50, 0.04% 3.34%
Mechanics Bank 51, 0.05% 2.10%
Flagstar Bank 52, 0.06% 4.86%
On Q Financial Inc 53, 0.06% 0.09%
Fairway Independent Mort Corp 54, 0.06% 0.61%
Dignified Home Loans 55, 0.07% 1.37%
Wells Fargo Bank 56, 0.08% 9.37%
Del Sur Corp DBA: Camino Real Mortgage Bankers 57, 0.08% 0.26%
Pennymac Loan Services 58, 0.08% 0.69%
Coastal Funding SLC Inc 59, 0.10% 3.41%
HomeBridge Financial Services, Inc 60, 0.10% 1.69%
Resource Lenders Inc 61, 0.10% 0.13%
Jmac 62, 0.13% 1.11%
Nationstar Mortgage 63, 0.17% 1.30%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
CMG Mortgage Inc 1, -0.11% 10.40%
Quicken Loans 2, -0.06% 6.00%
Caliber Home Loans Inc 3, -0.03% 7.59%
First Bank 4, -0.03% 0.73%
Sierra Pacific Mortgage 5, -0.02% 2.33%
RPM Mortgage 6, -0.01% 1.22%
Guild Mortgage Company 7, -0.01% 12.97%
Jmac 8, -0.01% 3.67%
Newrez 9, -0.01% 1.22%
Kings Mortgage Services Inc 10, -0.01% 0.61%
Flagstar Bank 11, -0.01% 1.71%
Home Point Financial Corporation 12, -0.01% 0.86%
NBKC Bank 13, -0.00% 0.12%
Bank of America 14, -0.00% 0.24%
Stearns Lending 15, -0.00% 1.22%
Mid America Mortgage Inc 16, -0.00% 1.47%
Finance of America Mortgage 17, 0.00% 1.22%
Guaranteed Rate Inc 18, 0.00% 0.24%
MUFG Union Bank 19, 0.00% 0.73%
Pennymac Loan Services 20, 0.00% 0.73%
Bank Of The West 21, 0.01% 0.12%
Homeowners Financial Group 22, 0.01% 0.37%
HomeServices Lending 23, 0.01% 0.12%
JG Wentworth Home Lending 24, 0.01% 0.12%
Movement Mortgage 25, 0.01% 1.71%
Cornerstone Home Lending, Inc 26, 0.01% 1.35%
Freedom Mortgage Corporation 27, 0.01% 4.41%
Interactive Mortgage 28, 0.01% 0.12%
American Pacific Mortgage Corporation 29, 0.01% 0.86%
Coastal Funding SLC Inc 30, 0.02% 2.82%
Golden Empire Mortgage, Inc 31, 0.02% 3.06%
Provident Funding Associates 32, 0.02% 0.12%
Wells Fargo Bank 33, 0.02% 0.86%
HomeBridge Financial Services, Inc 34, 0.02% 3.55%
Geneva Financial 35, 0.03% 1.22%
Resource Lenders Inc 36, 0.03% 0.24%
Paramount Residential Mortgage Group Inc 37, 0.03% 1.10%
Dignified Home Loans 38, 0.03% 0.73%
Fairway Independent Mort Corp 39, 0.03% 1.84%
Primelending 40, 0.03% 1.10%
Draper and Kramer Mortgage Corp 41, 0.04% 0.73%
New American Funding 42, 0.05% 0.86%
Paramount Equity Mortgage 43, 0.05% 0.24%
Del Sur Corp DBA: Camino Real Mortgage Bankers 44, 0.05% 4.04%
Carrington Mortgage Services 45, 0.05% 3.79%
Nationstar Mortgage 46, 0.07% 2.94%
LoanDepot 47, 0.11% 2.94%
On Q Financial Inc 48, 0.15% 3.30%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
CMG Mortgage Inc 1, -0.15% 11.24%
Quicken Loans 2, -0.12% 3.88%
Flagstar Bank 3, -0.03% 1.94%
First Bank 4, -0.03% 1.16%
Caliber Home Loans Inc 5, -0.03% 6.01%
Mid America Mortgage Inc 6, -0.02% 1.16%
RPM Mortgage 7, -0.02% 1.36%
Sierra Pacific Mortgage 8, -0.02% 3.68%
Newrez 9, -0.02% 0.78%
Jmac 10, -0.02% 4.65%
Kings Mortgage Services Inc 11, -0.02% 0.78%
NBKC Bank 12, -0.01% 0.19%
Finance of America Mortgage 13, -0.01% 1.16%
Bank of America 14, -0.01% 0.39%
Freedom Mortgage Corporation 15, -0.01% 4.65%
Stearns Lending 16, -0.00% 0.97%
Golden Empire Mortgage, Inc 17, -0.00% 3.29%
Homeowners Financial Group 18, -0.00% 0.39%
Pennymac Loan Services 19, -0.00% 0.19%
MUFG Union Bank 20, -0.00% 0.78%
Guaranteed Rate Inc 21, -0.00% 0.19%
HomeServices Lending 22, 0.00% 0.19%
Coastal Funding SLC Inc 23, 0.00% 3.29%
Movement Mortgage 24, 0.00% 2.52%
Home Point Financial Corporation 25, 0.00% 0.58%
Cornerstone Home Lending, Inc 26, 0.01% 1.36%
American Pacific Mortgage Corporation 27, 0.01% 1.16%
Wells Fargo Bank 28, 0.01% 1.36%
New American Funding 29, 0.02% 0.39%
Geneva Financial 30, 0.02% 1.74%
Resource Lenders Inc 31, 0.02% 0.39%
Paramount Residential Mortgage Group Inc 32, 0.02% 1.74%
HomeBridge Financial Services, Inc 33, 0.02% 3.10%
Fairway Independent Mort Corp 34, 0.03% 2.52%
Dignified Home Loans 35, 0.03% 0.97%
Primelending 36, 0.03% 1.55%
Nationstar Mortgage 37, 0.03% 0.97%
Carrington Mortgage Services 38, 0.04% 1.74%
Draper and Kramer Mortgage Corp 39, 0.04% 0.97%
Del Sur Corp DBA: Camino Real Mortgage Bankers 40, 0.05% 5.43%
Guild Mortgage Company 41, 0.08% 11.24%
LoanDepot 42, 0.12% 2.91%
On Q Financial Inc 43, 0.14% 5.04%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guild Mortgage Company 1, -0.12% 15.95%
CMG Mortgage Inc 2, -0.03% 8.97%
Caliber Home Loans Inc 3, -0.02% 10.30%
Quicken Loans 4, -0.01% 9.63%
Home Point Financial Corporation 5, -0.01% 1.33%
Jmac 6, -0.00% 1.99%
RPM Mortgage 7, 0.00% 1.00%
Newrez 8, 0.00% 1.99%
Stearns Lending 9, 0.01% 1.66%
Del Sur Corp DBA: Camino Real Mortgage Bankers 10, 0.01% 1.66%
MUFG Union Bank 11, 0.01% 0.66%
Guaranteed Rate Inc 12, 0.01% 0.33%
Kings Mortgage Services Inc 13, 0.01% 0.33%
American Pacific Mortgage Corporation 14, 0.01% 0.33%
Pennymac Loan Services 15, 0.02% 1.66%
Bank Of The West 16, 0.02% 0.33%
JG Wentworth Home Lending 17, 0.02% 0.33%
Finance of America Mortgage 18, 0.02% 1.33%
Draper and Kramer Mortgage Corp 19, 0.02% 0.33%
HomeBridge Financial Services, Inc 20, 0.02% 4.32%
Cornerstone Home Lending, Inc 21, 0.02% 1.33%
Interactive Mortgage 22, 0.02% 0.33%
Dignified Home Loans 23, 0.02% 0.33%
Homeowners Financial Group 24, 0.03% 0.33%
Mid America Mortgage Inc 25, 0.03% 1.99%
Geneva Financial 26, 0.03% 0.33%
Provident Funding Associates 27, 0.03% 0.33%
On Q Financial Inc 28, 0.03% 0.33%
Movement Mortgage 29, 0.03% 0.33%
Primelending 30, 0.04% 0.33%
Fairway Independent Mort Corp 31, 0.04% 0.66%
Coastal Funding SLC Inc 32, 0.05% 1.99%
Freedom Mortgage Corporation 33, 0.05% 3.99%
Flagstar Bank 34, 0.05% 1.33%
Paramount Equity Mortgage 35, 0.06% 0.66%
Golden Empire Mortgage, Inc 36, 0.06% 2.66%
New American Funding 37, 0.07% 1.66%
Carrington Mortgage Services 38, 0.07% 7.31%
Nationstar Mortgage 39, 0.09% 6.31%
LoanDepot 40, 0.10% 2.99%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.14% 9.66%
Wells Fargo Bank 2, -0.12% 22.99%
Citibank 3, -0.03% 1.73%
SESLOC Federal Credit Union 4, -0.02% 1.32%
Us Bank 5, 0.00% 2.44%
JPMorgan Chase Bank 6, 0.01% 9.87%
The Golden 1 Credit Union 7, 0.03% 0.61%
Homeowners Financial Group 8, 0.03% 0.51%
HomeServices Lending 9, 0.04% 2.54%
Cornerstone Home Lending, Inc 10, 0.04% 4.88%
Finance of America Mortgage 11, 0.04% 2.95%
Guild Mortgage Company 12, 0.05% 0.20%
Movement Mortgage 13, 0.05% 0.20%
Home Point Financial Corporation 14, 0.05% 0.10%
Golden Empire Mortgage, Inc 15, 0.05% 0.20%
CoastHills Credit Union 16, 0.05% 0.10%
KD Capital Mortgage Corp 17, 0.05% 0.20%
Navy Federal Credit Union 18, 0.06% 0.20%
Pennymac Loan Services 19, 0.06% 0.10%
Fairway Independent Mort Corp 20, 0.06% 0.20%
Mechanics Bank 21, 0.06% 2.14%
American Pacific Mortgage Corporation 22, 0.06% 0.71%
Dignified Home Loans 23, 0.06% 0.20%
Sierra Pacific Mortgage 24, 0.07% 0.41%
Paramount Residential Mortgage Group Inc 25, 0.07% 0.10%
Guaranteed Rate Inc 26, 0.07% 3.05%
Draper and Kramer Mortgage Corp 27, 0.07% 0.41%
Kings Mortgage Services Inc 28, 0.07% 0.10%
Bank Of The West 29, 0.07% 2.64%
Kinecta Federal Credit Union 30, 0.07% 0.61%
Geneva Financial 31, 0.07% 0.10%
New American Funding 32, 0.07% 1.53%
Jmac 33, 0.07% 0.51%
Quicken Loans 34, 0.08% 1.93%
Synergy One Lending 35, 0.08% 1.32%
Stearns Lending 36, 0.08% 0.51%
Flagstar Bank 37, 0.08% 3.05%
CMG Mortgage Inc 38, 0.08% 0.41%
CashCall Mortgage 39, 0.08% 0.10%
Newrez 40, 0.08% 1.02%
Cit Bank 41, 0.09% 3.76%
Coastal Funding SLC Inc 42, 0.10% 0.61%
RPM Mortgage 43, 0.10% 0.92%
LoanDepot 44, 0.11% 1.22%
HomeBridge Financial Services, Inc 45, 0.11% 5.60%
Caliber Home Loans Inc 46, 0.11% 2.75%
On Q Financial Inc 47, 0.13% 1.32%
MUFG Union Bank 48, 0.13% 1.93%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.16% 9.00%
Wells Fargo Bank 2, -0.12% 26.15%
Citibank 3, -0.03% 2.30%
Us Bank 4, -0.00% 2.51%
JPMorgan Chase Bank 5, 0.02% 9.62%
Bank Of The West 6, 0.03% 2.30%
The Golden 1 Credit Union 7, 0.03% 0.42%
HomeServices Lending 8, 0.04% 3.14%
Homeowners Financial Group 9, 0.04% 1.05%
Sierra Pacific Mortgage 10, 0.04% 0.42%
Movement Mortgage 11, 0.05% 0.21%
SESLOC Federal Credit Union 12, 0.05% 0.21%
Guild Mortgage Company 13, 0.05% 0.42%
Mechanics Bank 14, 0.05% 1.26%
Finance of America Mortgage 15, 0.05% 2.93%
KD Capital Mortgage Corp 16, 0.05% 0.21%
Fairway Independent Mort Corp 17, 0.06% 0.21%
CoastHills Credit Union 18, 0.06% 0.21%
Navy Federal Credit Union 19, 0.06% 0.42%
Coastal Funding SLC Inc 20, 0.06% 0.21%
Dignified Home Loans 21, 0.07% 0.42%
RPM Mortgage 22, 0.07% 0.84%
Paramount Residential Mortgage Group Inc 23, 0.07% 0.21%
Cornerstone Home Lending, Inc 24, 0.07% 4.18%
Kings Mortgage Services Inc 25, 0.07% 0.21%
American Pacific Mortgage Corporation 26, 0.07% 0.63%
CMG Mortgage Inc 27, 0.07% 0.42%
Geneva Financial 28, 0.07% 0.21%
Draper and Kramer Mortgage Corp 29, 0.08% 0.63%
Cit Bank 30, 0.08% 3.35%
Guaranteed Rate Inc 31, 0.08% 2.30%
New American Funding 32, 0.09% 1.67%
Stearns Lending 33, 0.09% 0.84%
Jmac 34, 0.09% 0.63%
Synergy One Lending 35, 0.10% 1.67%
LoanDepot 36, 0.10% 0.63%
Flagstar Bank 37, 0.10% 3.97%
Newrez 38, 0.11% 1.05%
Quicken Loans 39, 0.12% 0.84%
On Q Financial Inc 40, 0.13% 2.51%
Caliber Home Loans Inc 41, 0.14% 2.51%
MUFG Union Bank 42, 0.15% 2.51%
HomeBridge Financial Services, Inc 43, 0.16% 4.60%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.13% 10.30%
Wells Fargo Bank 2, -0.11% 20.00%
SESLOC Federal Credit Union 3, -0.03% 2.38%
Citibank 4, -0.01% 1.19%
JPMorgan Chase Bank 5, 0.00% 10.10%
Us Bank 6, 0.01% 2.38%
Cornerstone Home Lending, Inc 7, 0.01% 5.54%
Finance of America Mortgage 8, 0.03% 2.97%
The Golden 1 Credit Union 9, 0.03% 0.79%
HomeServices Lending 10, 0.04% 1.98%
Home Point Financial Corporation 11, 0.05% 0.20%
Stearns Lending 12, 0.05% 0.20%
Golden Empire Mortgage, Inc 13, 0.05% 0.40%
Movement Mortgage 14, 0.05% 0.20%
Newrez 15, 0.05% 0.99%
Synergy One Lending 16, 0.05% 0.99%
American Pacific Mortgage Corporation 17, 0.05% 0.79%
Jmac 18, 0.05% 0.40%
KD Capital Mortgage Corp 19, 0.05% 0.20%
Flagstar Bank 20, 0.05% 2.18%
New American Funding 21, 0.05% 1.39%
Pennymac Loan Services 22, 0.06% 0.20%
Draper and Kramer Mortgage Corp 23, 0.06% 0.20%
Guaranteed Rate Inc 24, 0.06% 3.76%
On Q Financial Inc 25, 0.06% 0.20%
Quicken Loans 26, 0.06% 2.97%
Mechanics Bank 27, 0.06% 2.97%
Fairway Independent Mort Corp 28, 0.06% 0.20%
Kinecta Federal Credit Union 29, 0.07% 1.19%
CashCall Mortgage 30, 0.08% 0.20%
HomeBridge Financial Services, Inc 31, 0.08% 6.53%
Sierra Pacific Mortgage 32, 0.09% 0.40%
CMG Mortgage Inc 33, 0.09% 0.40%
MUFG Union Bank 34, 0.09% 1.39%
Caliber Home Loans Inc 35, 0.09% 2.97%
Bank Of The West 36, 0.10% 2.97%
Coastal Funding SLC Inc 37, 0.10% 0.99%
Cit Bank 38, 0.10% 4.16%
LoanDepot 39, 0.11% 1.78%
RPM Mortgage 40, 0.12% 0.99%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
LoanDepot 1, -0.10% 4.61%
Navy Federal Credit Union 2, -0.09% 3.40%
Pennymac Loan Services 3, -0.08% 6.92%
Caliber Home Loans Inc 4, -0.06% 9.77%
KD Capital Mortgage Corp 5, -0.05% 3.18%
Mid America Mortgage Inc 6, -0.05% 1.76%
Stearns Lending 7, -0.02% 0.66%
Wells Fargo Bank 8, -0.02% 2.74%
Jmac 9, -0.01% 2.20%
NBKC Bank 10, -0.00% 0.99%
Home Point Financial Corporation 11, 0.01% 2.20%
Guaranteed Rate Inc 12, 0.01% 1.10%
Flagstar Bank 13, 0.01% 6.48%
CMG Mortgage Inc 14, 0.01% 6.04%
Del Sur Corp DBA: Camino Real Mortgage Bankers 15, 0.01% 0.11%
Homeowners Financial Group 16, 0.01% 0.33%
MUFG Union Bank 17, 0.01% 0.11%
CoastHills Credit Union 18, 0.01% 0.44%
Paramount Residential Mortgage Group Inc 19, 0.01% 0.44%
Guild Mortgage Company 20, 0.01% 6.37%
JG Wentworth Home Lending 21, 0.01% 0.44%
Dignified Home Loans 22, 0.01% 0.44%
New American Funding 23, 0.01% 0.33%
Newrez 24, 0.01% 0.99%
Kings Mortgage Services Inc 25, 0.02% 0.33%
American Pacific Mortgage Corporation 26, 0.02% 1.65%
Kinecta Federal Credit Union 27, 0.02% 0.11%
Geneva Financial 28, 0.02% 0.77%
Movement Mortgage 29, 0.02% 0.88%
Us Bank 30, 0.02% 0.33%
Golden Empire Mortgage, Inc 31, 0.02% 0.88%
HomeBridge Financial Services, Inc 32, 0.02% 5.16%
Paramount Equity Mortgage 33, 0.03% 0.33%
Finance of America Mortgage 34, 0.03% 1.32%
Fairway Independent Mort Corp 35, 0.03% 1.10%
RPM Mortgage 36, 0.03% 0.66%
Usaa Federal Savings Bank 37, 0.04% 5.38%
Sierra Pacific Mortgage 38, 0.04% 0.77%
Coastal Funding SLC Inc 39, 0.04% 1.76%
Synergy One Lending 40, 0.05% 0.55%
Resource Lenders Inc 41, 0.05% 1.10%
Nationstar Mortgage 42, 0.05% 0.44%
Cornerstone Home Lending, Inc 43, 0.05% 0.77%
Carrington Mortgage Services 44, 0.08% 1.65%
Freedom Mortgage Corporation 45, 0.08% 2.74%
Quicken Loans 46, 0.09% 7.24%
On Q Financial Inc 47, 0.15% 2.09%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.10% 7.50%
Caliber Home Loans Inc 2, -0.07% 6.25%
Pennymac Loan Services 3, -0.06% 2.75%
HomeBridge Financial Services, Inc 4, -0.04% 4.50%
KD Capital Mortgage Corp 5, -0.03% 2.25%
Wells Fargo Bank 6, -0.03% 6.25%
CMG Mortgage Inc 7, -0.02% 7.75%
NBKC Bank 8, -0.01% 1.00%
CoastHills Credit Union 9, -0.01% 0.75%
Quicken Loans 10, -0.01% 4.00%
Home Point Financial Corporation 11, -0.00% 0.25%
Golden Empire Mortgage, Inc 12, -0.00% 0.75%
Freedom Mortgage Corporation 13, -0.00% 2.75%
Del Sur Corp DBA: Camino Real Mortgage Bankers 14, -0.00% 0.25%
Stearns Lending 15, -0.00% 0.25%
Guaranteed Rate Inc 16, -0.00% 1.25%
Homeowners Financial Group 17, 0.00% 0.25%
Newrez 18, 0.00% 1.75%
Jmac 19, 0.00% 2.50%
Mid America Mortgage Inc 20, 0.00% 0.75%
New American Funding 21, 0.00% 0.50%
Dignified Home Loans 22, 0.00% 0.50%
American Pacific Mortgage Corporation 23, 0.01% 2.25%
Kings Mortgage Services Inc 24, 0.01% 0.50%
Movement Mortgage 25, 0.01% 1.75%
Kinecta Federal Credit Union 26, 0.01% 0.25%
Us Bank 27, 0.01% 0.75%
Geneva Financial 28, 0.01% 1.50%
JG Wentworth Home Lending 29, 0.01% 0.50%
Fairway Independent Mort Corp 30, 0.01% 1.50%
Carrington Mortgage Services 31, 0.02% 0.75%
LoanDepot 32, 0.02% 1.75%
RPM Mortgage 33, 0.02% 1.00%
Nationstar Mortgage 34, 0.03% 0.25%
Usaa Federal Savings Bank 35, 0.03% 6.75%
Sierra Pacific Mortgage 36, 0.03% 1.00%
Finance of America Mortgage 37, 0.03% 1.75%
Resource Lenders Inc 38, 0.03% 1.75%
Coastal Funding SLC Inc 39, 0.04% 2.75%
Synergy One Lending 40, 0.04% 1.00%
Cornerstone Home Lending, Inc 41, 0.05% 1.50%
Guild Mortgage Company 42, 0.06% 6.00%
Flagstar Bank 43, 0.06% 5.25%
On Q Financial Inc 44, 0.14% 4.75%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
LoanDepot 1, -0.12% 6.85%
Pennymac Loan Services 2, -0.08% 10.18%
KD Capital Mortgage Corp 3, -0.06% 3.91%
Mid America Mortgage Inc 4, -0.06% 2.54%
Caliber Home Loans Inc 5, -0.05% 12.52%
Jmac 6, -0.02% 1.96%
Flagstar Bank 7, -0.02% 7.44%
Guild Mortgage Company 8, -0.02% 6.65%
Stearns Lending 9, -0.02% 0.98%
NBKC Bank 10, 0.01% 0.98%
JG Wentworth Home Lending 11, 0.01% 0.39%
Guaranteed Rate Inc 12, 0.01% 0.98%
Home Point Financial Corporation 13, 0.01% 3.72%
Homeowners Financial Group 14, 0.02% 0.39%
Cornerstone Home Lending, Inc 15, 0.02% 0.20%
Dignified Home Loans 16, 0.02% 0.39%
Navy Federal Credit Union 17, 0.02% 0.20%
MUFG Union Bank 18, 0.02% 0.20%
Paramount Residential Mortgage Group Inc 19, 0.02% 0.78%
New American Funding 20, 0.02% 0.20%
Geneva Financial 21, 0.02% 0.20%
Kings Mortgage Services Inc 22, 0.02% 0.20%
Finance of America Mortgage 23, 0.02% 0.98%
RPM Mortgage 24, 0.03% 0.39%
American Pacific Mortgage Corporation 25, 0.03% 1.17%
Newrez 26, 0.03% 0.39%
Synergy One Lending 27, 0.03% 0.20%
Coastal Funding SLC Inc 28, 0.03% 0.98%
Paramount Equity Mortgage 29, 0.04% 0.59%
Golden Empire Mortgage, Inc 30, 0.04% 0.98%
CMG Mortgage Inc 31, 0.04% 4.70%
Usaa Federal Savings Bank 32, 0.04% 4.31%
Fairway Independent Mort Corp 33, 0.05% 0.78%
Movement Mortgage 34, 0.05% 0.20%
CoastHills Credit Union 35, 0.05% 0.20%
Sierra Pacific Mortgage 36, 0.05% 0.59%
Resource Lenders Inc 37, 0.06% 0.59%
Nationstar Mortgage 38, 0.06% 0.59%
HomeBridge Financial Services, Inc 39, 0.07% 5.68%
Carrington Mortgage Services 40, 0.10% 2.35%
Quicken Loans 41, 0.12% 9.78%
Freedom Mortgage Corporation 42, 0.15% 2.74%

* 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 for the data comes from 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 based on the MSA, 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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