Santa Barbara Bank & Trust N.A Mortgage Lending & HMDA Data, 2012
In 2012, Santa Barbara Bank & Trust N.A of Goleta, CA reported 1,995 mortgage applications totaling $1.1 billion, up 32% from 2011. The average application was for $553,433, and applicants reported an average income of $178,804. 58% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Santa Barbara-Santa Maria-Goleta, CA (741), Oxnard-Thousand Oaks-Ventura, CA (280) and Salinas, CA (214) (applications in parentheses).
| Mortgage Company & Address | Santa Barbara Bank & Trust N.A 1 South Los Carneros Rd Goleta, CA 93117 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,995 |
| Total Mortgage Loan Application Amount | $1,104,100,000 |
| Average Mortgage Loan Application Amount | $553,433 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $178,804 |
| Highest Applicant Income | $4,740,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Santa Barbara Bank & Trust N.A filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Santa Barbara, California | 741 | $ 306,828,000 | $ 414,072 | $ 167,000 |
| Ventura, California | 280 | $ 111,603,000 | $ 398,582 | $ 139,000 |
| Monterey, California | 214 | $ 101,475,000 | $ 474,182 | $ 200,000 |
| Los Angeles, California | 211 | $ 267,216,000 | $ 1,266,426 | $ 176,000 |
| San Luis Obispo, California | 180 | $ 64,450,000 | $ 358,055 | $ 186,000 |
| Santa Clara, California | 105 | $ 66,210,000 | $ 630,571 | $ 242,000 |
| San Benito, California | 56 | $ 14,157,000 | $ 252,803 | $ 106,000 |
| San Mateo, California | 36 | $ 34,203,000 | $ 950,083 | $ 398,000 |
| Orange, California | 33 | $ 28,243,000 | $ 855,848 | $ 328,000 |
| Santa Cruz, California | 24 | $ 7,745,000 | $ 322,708 | $ 150,000 |
| San Diego, California | 20 | $ 25,433,000 | $ 1,271,650 | $ 271,000 |
| Merced, California | 16 | $ 2,046,000 | $ 127,875 | $ 89,000 |
| Alameda, California | 14 | $ 14,801,000 | $ 1,057,214 | $ 149,000 |
| San Francisco, California | 13 | $ 33,642,000 | $ 2,587,846 | $ 99,000 |
| Contra Costa, California | 12 | $ 8,266,000 | $ 688,833 | $ 228,000 |
| Riverside, California | 6 | $ 3,384,000 | $ 564,000 | $ 185,000 |
| Kern, California | 5 | $ 795,000 | $ 159,000 | $ 100,000 |
| Fresno, California | 4 | $ 1,042,000 | $ 260,500 | $ 124,000 |
| Yolo, California | 4 | $ 1,045,000 | $ 261,250 | $ 115,000 |
| Calaveras, California | 3 | $ 570,000 | $ 190,000 | $ 178,000 |
| Nevada, California | 3 | $ 780,000 | $ 260,000 | $ 479,000 |
| San Bernardino, California | 3 | $ 767,000 | $ 255,666 | $ 66,000 |
| Marin, California | 2 | $ 1,534,000 | $ 767,000 | $ 218,000 |
| Sonoma, California | 2 | $ 1,249,000 | $ 624,500 | $ 735,000 |
| Amador, California | 1 | $ 368,000 | $ 368,000 | $ 188,000 |
| Humboldt, California | 1 | $ 156,000 | $ 156,000 | $ 199,000 |
| Madera, California | 1 | $ 84,000 | $ 84,000 | $ 164,000 |
| Napa, California | 1 | $ 700,000 | $ 700,000 | $ 211,000 |
| Sacramento, California | 1 | $ 5,000,000 | $ 5,000,000 | $ 0 |
| Solano, California | 1 | $ 108,000 | $ 108,000 | $ 120,000 |
| Collin, Texas | 1 | $ 100,000 | $ 100,000 | $ 547,000 |
| Grayson, Texas | 1 | $ 100,000 | $ 100,000 | $ 547,000 |
Mortgage Loan Application Detail Totals for Santa Barbara Bank & Trust N.A in 2012
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 1,541 | $825,862,000 | $535,000 | $10,000,000 | $166,000 | $4,740,000 |
| Home Purchase | 347 | $253,090,000 | $729,000 | $7,326,000 | $239,000 | $3,807,000 |
| Home Improvement | 107 | $25,148,000 | $235,000 | $600,000 | $168,000 | $559,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,449 | $648,770,000 | $447,000 | $3,300,000 | $187,000 | $3,807,000 |
| Hispanic | 196 | $58,007,000 | $295,000 | $3,000,000 | $157,000 | $4,740,000 |
| Not Provided | 136 | $94,800,000 | $697,000 | $5,500,000 | $271,000 | $2,064,000 |
| Not applicable | 115 | $257,907,000 | $2,242,000 | $10,000,000 | $0 | $0 |
| Asian | 68 | $35,910,000 | $528,000 | $1,500,000 | $173,000 | $496,000 |
| American Indian or Alaskan Native | 12 | $2,131,000 | $177,000 | $626,000 | $387,000 | $559,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $2,859,000 | $285,000 | $850,000 | $84,000 | $228,000 |
| Black or African American | 9 | $3,716,000 | $412,000 | $1,245,000 | $174,000 | $733,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,995 | $1,104,100,000 | $553,000 | $10,000,000 | $179,000 | $4,740,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,155 | $584,511,000 | $506,000 | $10,000,000 | $135,000 | $3,807,000 |
| Application Denied By Financial Institution | 343 | $151,695,000 | $442,000 | $2,400,000 | $161,000 | $2,533,000 |
| Loan Purchased By The Institution | 213 | $233,132,000 | $1,094,000 | $7,326,000 | $397,000 | $2,884,000 |
| Application Withdrawn By Applicant | 142 | $64,606,000 | $454,000 | $3,391,000 | $179,000 | $1,652,000 |
| File Closed For Incompleteness | 127 | $60,684,000 | $477,000 | $3,000,000 | $266,000 | $4,740,000 |
| Application Approved But Not Accepted | 15 | $9,472,000 | $631,000 | $2,400,000 | $130,000 | $594,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 110 | $52,038,000 | $473,000 | $2,400,000 | $82,000 | $310,000 |
| Collateral | 88 | $43,444,000 | $493,000 | $1,720,000 | $206,000 | $1,530,000 |
| Other | 66 | $20,044,000 | $303,000 | $1,712,000 | $210,000 | $2,533,000 |
| Credit History | 50 | $23,168,000 | $463,000 | $1,900,000 | $138,000 | $721,000 |
| Credit Application Incomplete | 16 | $7,172,000 | $448,000 | $1,500,000 | $307,000 | $2,163,000 |
| Unverifiable Information | 5 | $2,394,000 | $478,000 | $1,000,000 | $77,000 | $138,000 |
| Employment History | 5 | $1,438,000 | $287,000 | $680,000 | $98,000 | $170,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,997,000 | $665,000 | $987,000 | $536,000 | $1,253,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Santa Barbara Bank & Trust N.A's 2012 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Santa Barbara Bank & Trust N.A's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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