Maddox Rees, an expert at funding jumbo and super jumbo loans, is renowned for providing world class service to sophisticated clients and for resolving complex financial transactions. A graduate of the University of California at Berkeley, Maddox annually ranks in the top 99.99% of mortgage originators nationwide and has finished in the top 3 for average loan size for each of the past several years.  Maddox’s education and training in writing and finance empower him to package, present and close loans that only a handful of top professionals in the industry would even attempt.  He is known as a “Miracle Worker.” Maddox is also a father of three sons and when not watching their sporting and musical events, enjoys singing, ocean sports and travelling.  In his spare time, he is currently co-authoring a business book with international motivational speaker Major Anthony Bourke. Prior to coming to Rate, Maddox and his outstanding team served as the in-house lenders for two of the highest rated Realty offices in the world (in Montecito/Santa Barbara and Beverly Hills), winning several awards and an ongoing stream of referrals from satisfied Realtors and clients. The team is elated to be part of Rate.  “We’ve always been able to deliver superior service and results,” says Maddox.  “Now we have the premier technology, superior Realtor support tools and, most of all, outstanding rates.  Rate is a household name in the rest of the country and we’re excited to be part of their expansion into California and sharing their great offerings with our clients.” In today’s ultra-regulated lending environment, trying to negotiate the mortgage process without professional help is a stress-inducing, months’ long nightmare of paperwork and aggravation with only slim chances of success.  Whether you’re rolling down a $300,000 conforming loan or needing help on a $10M purchase, Maddox and his team will navigate the process for you with optimal results – call them today!

SVP of Mortgage Lending

Maddox Rees is your Santa Barbara local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Maddox is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Maddox at (805) 335-8755 for more information!

Maddox Rees at Rate (NMLS #255511)

With over 20 years of experience in the mortgage industry, I've seen just about everything—from booming markets to unexpected downturns. But one thing has always remained clear: people need homes. Helping you find the right home financing isn't just a transaction—it's a meaningful step toward building stronger communities.


I graduated from Santa Clara University with a degree in Economics and a passion for empowering others. My journey into the mortgage world was inspired by a women's studies course that opened my eyes to how micro-loans could transform communities. Originally planning to join the Peace Corps and help in microfinance, I found my way to the mortgage industry instead, helping people right here at home.  
As Branch Manager and SVP of Mortgage Lending at Rate, one of the nation's top lenders, I offer a wide range of loan products, including Conforming, Jumbo, FHA, VA, HELOCs, and more. I specialize in making the mortgage process smooth, transparent, and stress-free, ensuring my clients feel confident every step of the way. With cutting-edge digital tools and loan closings in as fast as 10 days, I tailor solutions to fit your unique goals—whether you're asking, "What can I afford?" or exploring refinancing options.


When I'm not helping clients, I'm enjoying life in Santa Barbara with my wife, Jen, and our two kids. Whether I'm trail running at sunrise, playing pickleball, or diving into spreadsheets for fun, I embrace both work and life with enthusiasm.  
Whether you're ready to buy now or just starting to dream about it, I'm here to answer your questions and guide you every step of the way. Call, email, or join my newsletter — we can have a conversation about where you stand and what's possible.


**Let's make your homeownership dreams a reality.**

Branch Manager/SVP of Mortgage Lending

Jeff Bochsler is your Santa Barbara local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jeff is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Jeff at (805) 290-1828 for more information!

Jeff Bochsler at Rate (NMLS #770636)

Christian grew up in Southern California, attended a top tier boarding high school in New York, and then studied Economics & Business at Westmont College in Santa Barbara. After graduating in 2010, Christian went on to work at Mercer Advisors within their Investment Operations Team, and then at Raytheon Space and Airborne as a Cost Planner. Both experiences provided him with world class financial analysis and client service skills. After marrying his college sweetheart, Christian decided to follow in his father-in-law's footsteps and work as a mortgage broker. Today, Christian serves as a guide for his clients, bringing his financial planning perspective to the home buying and refinancing process to best strategize on how to structure a loan for a client with their future in mind. Practicing high levels of communication, he knows what it takes to get a loan completed in an efficient and limited stress manner, all while ensuring his clients and colleagues are well informed. Christian is a member of the National Association of Mortgage Brokers and holds their Certified Veterans Loan Specialist (CVLS) certification. VA loans are an amazing benefit that veterans have earned. Christian’s expertise helps service members, veterans, reservists, and surviving spouses become homeowners and maximize their benefits.

VP of Mortgage Lending

Christian Menard is your Santa Barbara local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Christian is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Christian at (805) 868-5116 for more information!

Christian Menard at Rate (NMLS #1470201)

As a mortgage professional, my top priority is to help clients navigate the sometimes challenging world of lending. Some of those challenges include helping clients achieve their mortgage-related goals for retirement, a new home, an investment property or 2nd home, debt consolidation with a cash out refinance*, selling a home after a divorce settlement or simply looking to save money each month**. My experience and expertise allow me to provide top level service and treat each of my clients like family. I am the “go-to” resource for solving all types of challenges. I consistently provide clients with helpful advice, direction, and valuable services which enable them to have a more enjoyable real estate experience. Some of the services I provide include addressing each client’s individual questions and concerns, and discussing their overall desired result. I work at educating clients and keeping consistent communication so they avoid feeling confused, anxious or unsure of what is going on. When the process is clear and each step is communicated, the result is simply amazing. As a Santa Barbara native I have a deep appreciation and connection with the outdoors, especially the ocean. I’m a third generation surfer and am raising a family here in my home town. As one can see, I bring my “personality” to work and into my clients’ lives – whether those clients are individuals, families, or Real Estate professionals. My clients consider me a trusted friend and a valued part of their extended family, and quite honestly, that’s the greatest compliment I can receive. When we do business together you will see that it’s also the expectation I set for myself with every client, every time!




* Using funds from a Cash-out Refinance to consolidate debt may result in the debt taking longer to pay off as it will be combined with borrower’s mortgage principle amount and will be paid off over the full loan term. Contact Rate for more information. ** Savings, if any, vary based on consumer’s credit profile, interest rate availability, and other factors. Contact Rate, Inc. for current rates. Restrictions apply.

Bromi Krock is your Santa Barbara local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Bromi is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Bromi at (805) 456-5796 for more information!

Bromi Krock at Rate (NMLS #254423)

As your trusted Guaranteed Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Ben Boggs is your Santa Barbara local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Ben is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Ben at (303) 717-8833 for more information!

Ben Boggs at Rate (NMLS #2121811)

As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Kevin Cravens is your Santa Barbara local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Kevin is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Kevin at (805) 565-9100 for more information!

Kevin Cravens at Rate (NMLS #317607)

Santa Barbara

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6 Loan Officers in Santa Barbara, CA