Top 3 Mortgage Lenders in Carpinteria

Santa Barbara Mortgage Co. is consistently rated as one of the top mortgage lenders in the Central Coast region, serving Carpinteria and surrounding communities for over two decades. With exceptional 4.9-star ratings across multiple platforms, they specialize in coastal California properties and offer personalized service with deep local market expertise. Their team, led by Michael Perry, has extensive experience with jumbo loans and unique property types common in the Carpinteria area, providing competitive rates and white-glove service throughout the lending process.

The Montecito Lending Team at Wells Fargo brings over two decades of specialized experience serving the South Coast communities including Carpinteria. As part of one of the nation's largest mortgage lenders, they combine local expertise with extensive lending resources. They consistently receive top ratings for their personalized approach to complex loan scenarios, particularly for high-value properties in coastal Santa Barbara County. Their deep understanding of local market conditions and strong referral relationships with Carpinteria real estate professionals make them a preferred choice for homebuyers.

Guild Mortgage's Santa Barbara County office, led by Chris Keady, has built an outstanding reputation serving Carpinteria homebuyers with exceptional customer service and competitive loan products. With hundreds of positive reviews highlighting their responsive communication and smooth closing processes, they specialize in both purchase and refinance transactions. Their strong local presence and commitment to community involvement in the Carpinteria area, combined with Guild's nationwide lending power, provides clients with the perfect balance of personalized service and comprehensive loan options tailored to coastal California's unique market.