Top 3 Mortgage Lenders in Santa Barbara

As Santa Barbara's premier local credit union, SBCFCU has served the community for over 70 years with exceptional mortgage services. They consistently earn top ratings for their personalized service, competitive rates, and deep understanding of the local Santa Barbara real estate market. Their mortgage advisors live and work in the community, providing tailored solutions for first-time homebuyers, jumbo loans for luxury properties, and specialized programs for local professionals.

Founded by local legend Michael Towbes, Montecito Bank & Trust has been the trusted mortgage lender for Santa Barbara residents for five decades. They specialize in jumbo loans and construction financing that cater to the unique Santa Barbara market. Their relationship-based approach and local underwriting authority allow for faster decisions and customized solutions. The bank's deep community roots and understanding of coastal California properties make them exceptionally qualified for Santa Barbara home financing.

Guild Mortgage maintains a strong Santa Barbara presence with local loan officers who understand the Central Coast market. As a top-rated national lender with deep local expertise, they offer a comprehensive range of loan products including specialized programs for Santa Barbara's diverse housing needs. Their Santa Barbara branch receives consistently excellent reviews for responsive service, competitive rates, and expertise in handling complex transactions in the local market.