Santa Barbara Bank & Trust N.A Mortgage Lending & HMDA Data, 2004
In 2004, Santa Barbara Bank & Trust N.A of Goleta, CA reported 1,179 mortgage applications totaling $395.9 million, down 52% from 2003. The average application was for $335,784, and applicants reported an average income of $103,496. 72% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Santa Barbara-Santa Maria-Goleta, CA (527), Oxnard-Thousand Oaks-Ventura, CA (394) and Salinas, CA (74) (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 | 1,179 |
| Total Mortgage Loan Application Amount | $395,890,000 |
| Average Mortgage Loan Application Amount | $335,784 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $103,496 |
| Highest Applicant Income | $3,220,000 |
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records Santa Barbara Bank & Trust N.A filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 527 | $ 210,709,000 | $ 399,827 | $ 94,000 |
| Ventura, California | 394 | $ 91,754,000 | $ 232,878 | $ 90,000 |
| Monterey, California | 74 | $ 27,828,000 | $ 376,054 | $ 109,000 |
| San Luis Obispo, California | 51 | $ 16,311,000 | $ 319,823 | $ 106,000 |
| Santa Clara, California | 27 | $ 15,465,000 | $ 572,777 | $ 230,000 |
| Santa Cruz, California | 22 | $ 4,576,000 | $ 208,000 | $ 44,000 |
| San Benito, California | 20 | $ 5,561,000 | $ 278,050 | $ 85,000 |
| Los Angeles, California | 11 | $ 5,704,000 | $ 518,545 | $ 230,000 |
| Kern, California | 10 | $ 3,930,000 | $ 393,000 | $ 36,000 |
| Riverside, California | 7 | $ 1,511,000 | $ 215,857 | $ 183,000 |
| San Mateo, California | 6 | $ 1,798,000 | $ 299,666 | $ 107,000 |
| Merced, California | 4 | $ 1,575,000 | $ 393,750 | $ 33,000 |
| San Francisco, California | 3 | $ 1,464,000 | $ 488,000 | $ 175,000 |
| Fresno, California | 2 | $ 601,000 | $ 300,500 | $ 57,000 |
| Mono, California | 2 | $ 1,149,000 | $ 574,500 | $ 0 |
| San Bernardino, California | 2 | $ 613,000 | $ 306,500 | $ 100,000 |
| Calaveras, California | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Contra Costa, California | 1 | $ 312,000 | $ 312,000 | $ 263,000 |
| Inyo, California | 1 | $ 60,000 | $ 60,000 | $ 134,000 |
| Kings, California | 1 | $ 203,000 | $ 203,000 | $ 0 |
| Madera, California | 1 | $ 105,000 | $ 105,000 | $ 91,000 |
| Plumas, California | 1 | $ 153,000 | $ 153,000 | $ 276,000 |
| Sonoma, California | 1 | $ 1,000,000 | $ 1,000,000 | $ 311,000 |
| Stanislaus, California | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Tuolumne, California | 1 | $ 503,000 | $ 503,000 | $ 0 |
| Crook, Oregon | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Multnomah, Oregon | 1 | $ 90,000 | $ 90,000 | $ 0 |
Mortgage Loan Application Detail Totals for Santa Barbara Bank & Trust N.A in 2004
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 595 | $191,199,000 | $284,666 | $3,000,000 | $63,666 | $1,409,000 |
| Refinancing | 424 | $151,468,000 | $357,000 | $2,330,000 | $133,000 | $3,220,000 |
| Home Improvement | 160 | $53,223,000 | $332,000 | $2,000,000 | $98,000 | $996,000 |
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 | 835 | $306,607,000 | $403,666 | $3,000,000 | $107,333 | $3,220,000 |
| Hispanic | 282 | $59,737,000 | $185,333 | $1,755,000 | $45,666 | $1,409,000 |
| Asian | 22 | $8,967,000 | $407,000 | $1,000,000 | $106,000 | $330,000 |
| Not applicable | 19 | $12,599,000 | $663,000 | $1,495,000 | $13,000 | $144,000 |
| Not Provided | 13 | $5,820,000 | $447,000 | $1,500,000 | $100,000 | $360,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,216,000 | $304,000 | $750,000 | $80,000 | $127,000 |
| Black or African American | 2 | $542,000 | $271,000 | $334,000 | $123,000 | $126,000 |
| American Indian or Alaskan Native | 2 | $402,000 | $201,000 | $297,000 | $19,000 | $39,000 |
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) | 1,179 | $395,890,000 | $289,333 | $3,000,000 | $70,666 | $3,220,000 |
| 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 | 847 | $301,540,000 | $223,000 | $3,000,000 | $50,000 | $3,220,000 |
| Application Withdrawn By Applicant | 235 | $52,418,000 | $224,000 | $2,125,000 | $43,500 | $1,096,000 |
| Application Approved But Not Accepted | 50 | $24,254,000 | $485,000 | $1,755,000 | $171,000 | $1,409,000 |
| Application Denied By Financial Institution | 26 | $9,236,000 | $435,000 | $867,000 | $137,500 | $330,000 |
| File Closed For Incompleteness | 17 | $7,242,000 | $426,000 | $1,425,000 | $104,000 | $347,000 |
| Preapproval Denied by Financial Institution | 4 | $1,200,000 | $300,000 | $440,000 | $63,000 | $90,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 13 | $3,692,000 | $339,500 | $867,000 | $86,000 | $330,000 |
| Debt-To-Income Ratio | 10 | $3,543,000 | $311,500 | $585,000 | $49,500 | $84,000 |
| Collateral | 4 | $1,488,000 | $372,000 | $825,000 | $168,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,279,000 | $639,500 | $800,000 | $194,500 | $296,000 |
| Unverifiable Information | 1 | $434,000 | $434,000 | $434,000 | $108,000 | $108,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Santa Barbara Bank & Trust N.A's 2004 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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