Santa Barbara Bank & Trust N.A Mortgage Lending & HMDA Data, 2003
In 2003, Santa Barbara Bank & Trust N.A of Goleta, CA reported 2,453 mortgage applications totaling $710.4 million. The average application was for $289,616, and applicants reported an average income of $125,715. 79% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Santa Barbara-Santa Maria-Lompoc, CA (1,267), Ventura, CA (715) and Salinas, CA (130) (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 | 2,453 |
| Total Mortgage Loan Application Amount | $710,430,000 |
| Average Mortgage Loan Application Amount | $289,616 |
| Highest Mortgage Loan Application Amount | $8,350,000 |
| Average Applicant Income | $125,715 |
| Highest Applicant Income | $5,936,000 |
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records Santa Barbara Bank & Trust N.A filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,267 | $ 435,223,000 | $ 343,506 | $ 72,000 |
| Ventura, California | 715 | $ 148,553,000 | $ 207,766 | $ 66,000 |
| Monterey, California | 130 | $ 36,932,000 | $ 284,092 | $ 85,000 |
| San Luis Obispo, California | 84 | $ 18,341,000 | $ 218,345 | $ 209,000 |
| Santa Clara, California | 65 | $ 21,868,000 | $ 336,430 | $ 166,000 |
| San Benito, California | 52 | $ 15,806,000 | $ 303,961 | $ 91,000 |
| Santa Cruz, California | 43 | $ 9,108,000 | $ 211,813 | $ 111,000 |
| Los Angeles, California | 28 | $ 9,998,000 | $ 357,071 | $ 147,000 |
| Kern, California | 23 | $ 4,422,000 | $ 192,260 | $ 229,000 |
| Merced, California | 10 | $ 1,549,000 | $ 154,900 | $ 169,000 |
| Riverside, California | 8 | $ 1,952,000 | $ 244,000 | $ 330,000 |
| San Diego, California | 7 | $ 1,800,000 | $ 257,142 | $ 8,000 |
| San Mateo, California | 4 | $ 435,000 | $ 108,750 | $ 76,000 |
| Alameda, California | 2 | $ 611,000 | $ 305,500 | $ 206,000 |
| Madera, California | 2 | $ 400,000 | $ 200,000 | $ 202,000 |
| Mono, California | 2 | $ 1,100,000 | $ 550,000 | $ 357,000 |
| Sacramento, California | 2 | $ 172,000 | $ 86,000 | $ 49,000 |
| Sonoma, California | 2 | $ 477,000 | $ 238,500 | $ 225,000 |
| Calaveras, California | 1 | $ 323,000 | $ 323,000 | $ 176,000 |
| Fresno, California | 1 | $ 323,000 | $ 323,000 | $ 86,000 |
| Humboldt, California | 1 | $ 147,000 | $ 147,000 | $ 257,000 |
| San Bernardino, California | 1 | $ 178,000 | $ 178,000 | $ 110,000 |
| San Francisco, California | 1 | $ 343,000 | $ 343,000 | $ 150,000 |
| San Joaquin, California | 1 | $ 249,000 | $ 249,000 | $ 50,000 |
| Douglas, Oregon | 1 | $ 120,000 | $ 120,000 | $ 34,000 |
Mortgage Loan Application Detail Totals for Santa Barbara Bank & Trust N.A in 2003
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 (home purchase or home improvement, one-to-four family) | 1,744 | $523,042,000 | $210,000 | $4,500,000 | $88,500 | $5,936,000 |
| Home Purchase (one-to-four family) | 577 | $114,511,000 | $198,000 | $2,000,000 | $99,000 | $1,683,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 107 | $71,592,000 | $669,000 | $8,350,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 25 | $1,285,000 | $51,000 | $150,000 | $79,000 | $312,000 |
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 | 1,877 | $573,347,000 | $212,500 | $4,500,000 | $79,500 | $5,936,000 |
| Hispanic | 459 | $84,483,000 | $184,000 | $805,000 | $54,000 | $408,000 |
| Asian or Pacific Islander | 59 | $16,267,000 | $275,000 | $720,000 | $117,000 | $846,000 |
| Not applicable | 24 | $26,093,000 | $1,087,000 | $8,350,000 | $0 | $0 |
| Other | 14 | $6,217,000 | $444,000 | $1,800,000 | $588,000 | $2,651,000 |
| Black | 14 | $2,785,000 | $198,000 | $406,000 | $44,000 | $186,000 |
| Information not provided by applicant in mail or telephone application | 3 | $543,000 | $181,000 | $260,000 | $62,000 | $110,000 |
| American Indian or Alaskan Native | 3 | $695,000 | $231,000 | $295,000 | $72,000 | $94,000 |
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) | 2,453 | $710,430,000 | $204,500 | $8,350,000 | $72,500 | $5,936,000 |
| 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 | 1,950 | $592,905,000 | $304,000 | $8,350,000 | $136,000 | $5,936,000 |
| Application Withdrawn By Applicant | 338 | $69,264,000 | $204,000 | $4,500,000 | $75,000 | $3,230,000 |
| Application Approved But Not Accepted | 81 | $27,976,000 | $345,000 | $1,608,000 | $111,000 | $969,000 |
| Application Denied By Financial Institution | 69 | $16,060,000 | $177,000 | $1,315,000 | $47,000 | $165,000 |
| File Closed For Incompleteness | 15 | $4,225,000 | $281,000 | $650,000 | $94,000 | $486,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 40 | $8,502,000 | $212,000 | $1,315,000 | $64,000 | $165,000 |
| Debt-To-Income Ratio | 17 | $5,159,000 | $303,000 | $577,000 | $38,000 | $100,000 |
| Collateral | 6 | $1,318,000 | $219,000 | $323,000 | $93,000 | $142,000 |
| Other | 6 | $1,081,000 | $156,000 | $386,000 | $45,500 | $85,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2003 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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