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Home lending

Mortgage & Home Lending

Let us help you turn your dream home into your new address!

A dad and mom swinging their child.

You pick the home. We'll provide the foundation.

Whether you're dreaming of buying a home, planning a renovation, or wanting to build from the ground up, we're here to make it possible. As your local experts and neighbors, we offer flexible solutions and dependable guidance. With our deep local knowledge and personal touch, we are here to make tour home financing journey as smooth and personalized as possible. Let's work together to make your home dreams a reality!

Traditional Mortgage

We offer traditional mortgage loans for both purchase and refinance, with multiple term options to choose from.

Home Equity Line of Credit

Put your home's equity to work! Use your line of credit for any major purchase from a remodel to a college education.

Manufactured Home Loan

Your perfect space needs a perfect start! We can help you purchase your mobile home.

Hobby Farm Loan

From eggs to wine, we'll help you get a home with the extra land you'll need to watch your hobbies grow!

VA Loan

Are you a veteran? VA loans provide great benefits like no down payment requirement and competitive rates.

Construction Loan

Ready to build a home? Let us lay the foundation with a construction loan.

Traditional Mortgage

We offer traditional mortgage loans for both purchase and refinance, with multiple term options to choose from.

Home Equity Line of Credit

Put your home's equity to work! Use your line of credit for any major purchase from a remodel to a college education.

Manufactured Home Loan

Your perfect space needs a perfect start! We can help you purchase your mobile home.

Hobby Farm Loan

From eggs to wine, we'll help you get a home with the extra land you'll need to watch your hobbies grow!

VA Loan

Are you a veteran? VA loans provide great benefits like no down payment requirement and competitive rates.

Construction Loan

Ready to build a home? Let us lay the foundation with a construction loan.

Home Lending Resources

Check out our helpful mortgage resources designed to guide you through every step of your homebuying journey!

In accordance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) below are the names of our Mortgage Loan Originators and their unique identifiers. All licensing and registration information is maintained by the Nationwide Mortgage Licensing System and Registry.

Montecito Bank & Trust's NMLSR #472185

Name Title NMLSR ID
Abdiel E. Garcia Director of Business and Consumer Lending 1752647
Alan Acosta Business Banking Relationship Manager 1283722
Alberto Jose Rivera Personal Banker 1039623
Ambia Clark Senior Commercial Banking Officer 770874
Andy Rodriguez Branch Manager 1136486
Arcelia Sofia Ruelas Operations Officer 2042873
Armando Casillas Regional Community Banking Manager 1038234
Benjamin Scott Director of Commercial Banking 1136494
Bernard J Smith Loan Administrator 1065236
Bijan Ghaemmaghami Branch Manager 1544392
Bonnie Laurie Holdren Personal Banker 1136477
Brian Jeffery Donovan Regional Commercial Banking Manager 611984
Catherine Alcantara-Aquino Operations Officer 1535269
Charles Faulding Senior Business Banking Portfolio Manager 1136497
Christine Mendez Gerochi Branch Manager 1078266
Crystal Joy Atterbury Personal Banker 2250022
Cynthia Carrillo Personal Banker 1136481
Daniel Paul Glaeser Commercial Banking Officer 2600719
David Perez Operations Officer 2478340
Derek L Swafford Community Banking Sales Manager 1097394
Destinee Harden Operations Officer 2329385
Devon Robert Davison Personal Banker 1089114
Doug Platts Regional Commercial Banking Officer 2499892
Elsa Velasco Operations Officer 1459239
EMILY P STRAWN Operations Officer 1417483
Emmanuel Cruz Personal Banker 2578567
ENRIQUE ZUNIGA DEARCOS Team Leader & Senior Residential Mortgage Underwriter 247762
Erick Roman Szetela Personal Banker 1334959
Evan Germaine Scott Branch Manager 1039630
Evania Cuadros Hernandez Personal Banker 1262453
Evelyn Mora Personal Banker 2573395
George Loring Thurlow IV Credit Administrator 1826814
Ignacio Parra Consumer Loan Processor 1155541
Janet Gleason Personal Banker 2493160
Janeth Rodriguez Personal Banker 2450292
Jeffrey Mercer Senior Credit Administrator 1402289
Jenna Choate Personal Banker 1922171
Jennifer W Oakley Branch Manager 1039612
Jessica Levenson Personal Banker 1813817
Jill Louise Haney Branch Manager 1038272
Joanne Contreras Senior Residential Mortgage Loan Underwriter 366821
Jose Anguiano Regional Float Operations Officer 1136480
Jose Antonio Lizarraga Personal Banker 2286901
Jose Luis Caballero Personal Banker 798551
Justin Fabian Davila Personal Banker 2296193
Kaiya Hansen Operations Officer 1038273
Karen S Lewis Operations Officer 1646149
Karlina Hilda Davis Commercial Banking Officer 2141080
Kimberly Marin Personal Banker 2592664
Laureen M Arcuri-Lazzaro Personal Banker 678016
Leo Mark Fortunato Branch Manager 1038254
Leoncio Martins Personal Banker 1915585
Lisa D'Andrea Personal Banker 1038238
Lisa Earlene Tait Senior Loan Administrator 978698
Maia Eugenia Toran Personal Banker 2453838
Maria L Torres Personal Banker 1743603
Maria Torres Brown Personal Banker 1136488
Mariah Rose Lerma Personal Banker 2380064
Mario Alberto Baraona Senior Portfolio Manager 419057
Mario Dominguez Reyes Operations Officer 1096839
Mario Vega JR Personal Banker 622771
Mark Anthony Campos Personal Banker 1027939
Melanie Cleveland Personal Banker 1263784
Melissa Kelley-Cook Consumer Loan Operations Manager 770873
Michael A Johnson Personal Banker 1636189
Michael Cox Senior Portfolio Manager 1668089
Michael Jarrells Deputy Chief Credit Officer 1753754
Michael Rosales Personal Banker 2405605
Michelle Ann Garcia Consumer Loan Processor 2454384
Monica Trouve-Sapp Regional Commercial Banking Officer 780982
Nicholas Anthony Ferreira Personal Banker 2381784
Nicole Louise Kreutz Senior Portfolio Manager 1222015
NORA M GRIJALVA ZAVALA Operations Officer 723436
Olivia Michelle Brown Mortgage Loan Originator 879698
Omar Sevilla Personal Banker 1505573
Osmany Rios Business Banking Relationship Manager 1039622
Otis Kenneth Jones Jr. Personal Banker 1404256
Paul J Kovacevich Senior Credit Officer 770872
Raicer A Lopez Operations Officer 284087
Raul Calzada Personal Banker 678014
Reyna Kaufman Operations Officer 1505319
Roland Thomas Barrio Branch Manager 512788
Samantha Louise Lawson Personal Banker 1271311
Sarah McLelland Business Banking Relationship Manager 1136470
Steven John Medeiros Jr Branch Manager 2078238
Tamara C Yates Senior Consumer Underwriter 770871
Thomas Mortensen Senior Commercial Banking Officer 2660063
Veena Rai Personal Banker 2058081
Veronica Porter Business Banking Analyst 1136492
Viara T Vachovska Senior Portfolio Manager 770877
Violeta Jacqueline Cortez Branch Manager 1829597
Vivian Armanious Branch Manager 2645566
Wenda Baerg Portfolio Manager Team Lead 1949419
Yifei Wu Business Banking Portfolio Manager 2458553