{
  "canonical_url": "https://lendb.ai/in/california/santa-barbara-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 66 funded FHA home loans in Santa Barbara County, CA in 2025, 416 loans in all, per HMDA, FFIEC/CFPB data. The most active were United Wholesale Mortgage (117), Rocket Mortgage (25) and Kind Lending, LLC (25). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Santa Barbara County are linked below.",
  "county": {
    "fips": "06083",
    "name": "Santa Barbara County",
    "state": "CA"
  },
  "loan_type": "fha",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 66,
    "lenders_10": 10,
    "loans": 416,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 3038,
      "name": "United Wholesale Mortgage (broker finder)",
      "slug": "united-wholesale-mortgage-3038",
      "canonical_url": "https://lendb.ai/lender/united-wholesale-mortgage-3038",
      "loans": 117,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 25,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3925,
      "name": "Kind Lending, LLC",
      "slug": "kind-lending-3925",
      "canonical_url": "https://lendb.ai/lender/kind-lending-3925",
      "loans": 25,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2767,
      "name": "Freedom Mortgage",
      "slug": "freedom-mortgage-2767",
      "canonical_url": "https://lendb.ai/lender/freedom-mortgage-2767",
      "loans": 22,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 174457,
      "name": "loanDepot",
      "slug": "loandepot-174457",
      "canonical_url": "https://lendb.ai/lender/loandepot-174457",
      "loans": 22,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2611,
      "name": "Guaranteed Rate (Rate)",
      "slug": "guaranteed-rate-2611",
      "canonical_url": "https://lendb.ai/lender/guaranteed-rate-2611",
      "loans": 14,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 12007,
      "name": "LeaderOne Financial",
      "slug": "leaderone-financial-12007",
      "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
      "loans": 12,
      "includes_brokered": false,
      "loan_officers": {
        "total": 4,
        "people": [
          {
            "nmls_id": 215963,
            "full_name": "Yolanda Miller",
            "canonical_url": "https://lendb.ai/lo/yolanda-miller-215963",
            "branch_city": "Santa Barbara",
            "branch_state": "CA"
          },
          {
            "nmls_id": 226639,
            "full_name": "Cindy Vierra",
            "canonical_url": "https://lendb.ai/lo/cindy-vierra-226639",
            "branch_city": "Santa Barbara",
            "branch_state": "CA"
          },
          {
            "nmls_id": 911856,
            "full_name": "Jackie Ambriz",
            "canonical_url": "https://lendb.ai/lo/jackie-ambriz-911856",
            "branch_city": "Santa Barbara",
            "branch_state": "CA"
          }
        ]
      }
    },
    {
      "nmls_id": 1820,
      "name": "CMG Home Loans",
      "slug": "cmg-home-loans-1820",
      "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
      "loans": 11,
      "includes_brokered": false,
      "loan_officers": {
        "total": 2,
        "people": [
          {
            "nmls_id": 459793,
            "full_name": "Tim Dugan",
            "canonical_url": "https://lendb.ai/lo/tim-dugan-459793",
            "branch_city": "Santa Barbara",
            "branch_state": "CA"
          },
          {
            "nmls_id": 322481,
            "full_name": "Erik Taiji",
            "canonical_url": "https://lendb.ai/lo/erik-taiji-322481",
            "branch_city": "Santa Barbara",
            "branch_state": "CA"
          }
        ]
      }
    },
    {
      "nmls_id": 39179,
      "name": "Movement Mortgage",
      "slug": "movement-mortgage-39179",
      "canonical_url": "https://lendb.ai/lender/movement-mortgage-39179",
      "loans": 10,
      "includes_brokered": false,
      "loan_officers": {
        "total": 4,
        "people": [
          {
            "nmls_id": 239657,
            "full_name": "George Giambo",
            "canonical_url": "https://lendb.ai/lo/george-giambo-239657",
            "branch_city": "Santa Barbara",
            "branch_state": "CA"
          },
          {
            "nmls_id": 249588,
            "full_name": "Sherri Reccord",
            "canonical_url": "https://lendb.ai/lo/sherri-reccord-249588",
            "branch_city": "Santa Barbara",
            "branch_state": "CA"
          },
          {
            "nmls_id": 448277,
            "full_name": "Grant LaViale",
            "canonical_url": "https://lendb.ai/lo/grant-laviale-448277",
            "branch_city": "Santa Barbara",
            "branch_state": "CA"
          }
        ]
      }
    },
    {
      "nmls_id": 251821,
      "name": "Coastal Funding SLC, Inc.",
      "slug": "coastal-funding-slc-inc-251821",
      "canonical_url": "https://lendb.ai/lender/coastal-funding-slc-inc-251821",
      "loans": 10,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    }
  ],
  "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans."
}