Refinance lenders in Santa Barbara County, California
Fat Boy Data analyzed mortgage refinance activity in Santa Barbara County, California to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,290 applications were decided by 211 lenders between 2023 and 2025.
Santa Barbara County at a glance
How Santa Barbara County compares
What the data shows
Finance of America Reverse LLC made the most mortgage refinances in Santa Barbara County, CA, 105 of them.
Crosscountry Mortgage, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 37.
The typical mortgage refinance here is $565K, 14% smaller than the California typical of $655K.
Each dot is one lender, placed at its approval rate. Hover for the name and sample size.
Refinance lenders in Santa Barbara County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage, LLCBroker only | 84% | 242 / 289 | 98% | $565K | 238 |
| 2 | Bank of America, National Association | 60% | 73 / 121 | 100% | $295K | 73 |
| 3 | Finance of America Reverse LLC | 91% | 105 / 115 | 100% | $775K | 105 |
| 4 | Rocket Mortgage, LLC | 70% | 62 / 88 | 92% | $545K | 57 |
| 5 | Santa Barbara Teachers Federal Credit Union | 94% | 79 / 84 | 95% | $105K | 75 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.
Fat Boy found 206 more lenders.
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You are seeing the 5 largest mortgage refinance lenders in Santa Barbara County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.
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