Santa Barbara Bank & Trust N.A Mortgage Lending & HMDA Data, 2006
In 2006, Santa Barbara Bank & Trust N.A of Goleta, CA reported 1,782 mortgage applications totaling $621.7 million, up 57% from 2005. The average application was for $348,879, and applicants reported an average income of $152,692. 75% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Santa Barbara-Santa Maria, CA (607), Oxnard-Thousand Oaks-Ventura, CA (554) and Salinas, CA (157) (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 | 1,782 |
| Total Mortgage Loan Application Amount | $621,704,000 |
| Average Mortgage Loan Application Amount | $348,879 |
| Highest Mortgage Loan Application Amount | $5,000,000 |
| Average Applicant Income | $152,692 |
| Highest Applicant Income | $2,353,000 |
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records Santa Barbara Bank & Trust N.A filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 607 | $ 224,822,000 | $ 370,382 | $ 153,000 |
| Ventura, California | 554 | $ 154,713,000 | $ 279,265 | $ 137,000 |
| Monterey, California | 157 | $ 57,502,000 | $ 366,254 | $ 145,000 |
| Los Angeles, California | 128 | $ 56,034,000 | $ 437,765 | $ 150,000 |
| San Luis Obispo, California | 124 | $ 46,133,000 | $ 372,040 | $ 140,000 |
| San Benito, California | 59 | $ 18,345,000 | $ 310,932 | $ 139,000 |
| Santa Clara, California | 56 | $ 28,199,000 | $ 503,553 | $ 298,000 |
| Santa Cruz, California | 25 | $ 6,067,000 | $ 242,680 | $ 117,000 |
| Kern, California | 9 | $ 2,342,000 | $ 260,222 | $ 175,000 |
| San Diego, California | 9 | $ 3,558,000 | $ 395,333 | $ 86,000 |
| Alameda, California | 5 | $ 5,005,000 | $ 1,001,000 | $ 313,000 |
| Merced, California | 5 | $ 1,599,000 | $ 319,800 | $ 182,000 |
| Contra Costa, California | 3 | $ 1,157,000 | $ 385,666 | $ 723,000 |
| Mono, California | 3 | $ 944,000 | $ 314,666 | $ 170,000 |
| Orange, California | 3 | $ 568,000 | $ 189,333 | $ 145,000 |
| Riverside, California | 3 | $ 879,000 | $ 293,000 | $ 133,000 |
| Stanislaus, California | 3 | $ 770,000 | $ 256,666 | $ 61,000 |
| El Dorado, California | 2 | $ 949,000 | $ 474,500 | $ 24,000 |
| Mariposa, California | 2 | $ 555,000 | $ 277,500 | $ 147,000 |
| Sacramento, California | 2 | $ 119,000 | $ 59,500 | $ 100,000 |
| San Bernardino, California | 2 | $ 696,000 | $ 348,000 | $ 323,000 |
| Sonoma, California | 2 | $ 1,433,000 | $ 716,500 | $ 48,000 |
| Deschutes, Oregon | 2 | $ 496,000 | $ 248,000 | $ 515,000 |
| Pinal, Arizona | 1 | $ 331,000 | $ 331,000 | $ 0 |
| Calaveras, California | 1 | $ 182,000 | $ 182,000 | $ 190,000 |
| Fresno, California | 1 | $ 130,000 | $ 130,000 | $ 396,000 |
| Madera, California | 1 | $ 587,000 | $ 587,000 | $ 0 |
| Napa, California | 1 | $ 1,190,000 | $ 1,190,000 | $ 370,000 |
| Placer, California | 1 | $ 572,000 | $ 572,000 | $ 1,320,000 |
| Plumas, California | 1 | $ 525,000 | $ 525,000 | $ 169,000 |
| San Joaquin, California | 1 | $ 660,000 | $ 660,000 | $ 252,000 |
| San Mateo, California | 1 | $ 704,000 | $ 704,000 | $ 250,000 |
| Shasta, California | 1 | $ 200,000 | $ 200,000 | $ 858,000 |
| Tulare, California | 1 | $ 480,000 | $ 480,000 | $ 180,000 |
| Tuolumne, California | 1 | $ 150,000 | $ 150,000 | $ 56,000 |
| Hawaii, Hawaii | 1 | $ 1,000,000 | $ 1,000,000 | $ 627,000 |
| Clark, Nevada | 1 | $ 123,000 | $ 123,000 | $ 456,000 |
| Douglas, Nevada | 1 | $ 308,000 | $ 308,000 | $ 149,000 |
| New York, New York | 1 | $ 1,132,000 | $ 1,132,000 | $ 233,000 |
| Travis, Texas | 1 | $ 545,000 | $ 545,000 | $ 300,000 |
Mortgage Loan Application Detail Totals for Santa Barbara Bank & Trust N.A in 2006
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 | 941 | $355,497,000 | $377,000 | $5,000,000 | $149,000 | $2,353,000 |
| Home Purchase | 450 | $181,417,000 | $403,000 | $3,430,000 | $181,000 | $2,342,000 |
| Home Improvement | 391 | $84,790,000 | $216,000 | $3,750,000 | $129,000 | $1,500,000 |
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 | 1,144 | $428,394,000 | $374,000 | $5,000,000 | $174,000 | $2,353,000 |
| Hispanic | 461 | $117,442,000 | $254,000 | $1,820,000 | $111,000 | $1,853,000 |
| Not Provided | 75 | $26,454,000 | $352,000 | $1,328,000 | $129,000 | $813,000 |
| Asian | 59 | $20,944,000 | $354,000 | $1,610,000 | $153,000 | $674,000 |
| Black or African American | 15 | $5,380,000 | $358,000 | $589,000 | $95,000 | $183,000 |
| Not applicable | 15 | $17,966,000 | $1,197,000 | $3,750,000 | $4,000 | $70,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $3,425,000 | $428,000 | $1,190,000 | $168,000 | $370,000 |
| American Indian or Alaskan Native | 5 | $1,699,000 | $339,000 | $950,000 | $103,000 | $245,000 |
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) | 1,782 | $621,704,000 | $348,000 | $5,000,000 | $153,000 | $2,353,000 |
| 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 | 1,328 | $476,577,000 | $358,000 | $5,000,000 | $162,000 | $2,353,000 |
| Application Denied By Financial Institution | 154 | $39,084,000 | $253,000 | $1,300,000 | $139,000 | $1,853,000 |
| Application Withdrawn By Applicant | 154 | $68,776,000 | $446,000 | $2,450,000 | $141,000 | $2,342,000 |
| File Closed For Incompleteness | 86 | $18,559,000 | $215,000 | $960,000 | $83,000 | $245,000 |
| Application Approved But Not Accepted | 60 | $18,708,000 | $311,000 | $1,080,000 | $131,000 | $430,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 54 | $10,762,000 | $199,000 | $1,300,000 | $98,000 | $444,000 |
| Collateral | 46 | $13,888,000 | $301,000 | $1,100,000 | $199,000 | $1,853,000 |
| Credit History | 37 | $7,221,000 | $195,000 | $600,000 | $102,000 | $444,000 |
| Other | 12 | $4,472,000 | $372,000 | $1,000,000 | $182,000 | $552,000 |
| Credit Application Incomplete | 3 | $2,017,000 | $672,000 | $1,190,000 | $203,000 | $370,000 |
| Unverifiable Information | 1 | $20,000 | $20,000 | $20,000 | $180,000 | $180,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $704,000 | $704,000 | $704,000 | $250,000 | $250,000 |
| Mortgage Insurance Denied | 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 2006 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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