Headshot of Todd Hull

Todd Hull

Loan Officer

Santa Barbara, CA Mortgage Lender

NMLS #258825

111 W Micheltorena Street, Suite 210
Santa Barbara, CA 93101
Contact Methods
mobile Mobile
(805) 722-0357


About Todd

My father had been in the mortgage industry and corporate banking all my life. In 1980, I was looking for a career in the field, so he assisted me in getting a position as an appraiser trainee. From there, I ascended to new roles as a loan officer, wholesale rep, branch manager, operations manager, and regional senior vice president at various banks and mortgage firms. Since 2008-09, my firm focus has been on originating home loans.

I offer a proven record of success and expertise in loan origination, appraisal, operations, credit analysis, capital markets, and senior management. As your loan officer, I’ll provide superior service based on my extensive background in all facets of home financing and building relationships by treating clients with respect and integrity. Whether you’re buying your first home, your next home, or expanding your investment portfolio, I’m dedicated to getting it done.

A little about me: I’m an avid sports fan and love all genres of music, from classic and progressive rock to jazz, opera, and classical. I enjoy cooking, fine dining, and spending time with family and friends.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

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