Santa Barbara Bank & Trust N.A Mortgage Lending & HMDA Data, 2010
In 2010, Santa Barbara Bank & Trust N.A of Goleta, CA reported 895 mortgage applications totaling $306.2 million, down 24% from 2009. The average application was for $342,103, and applicants reported an average income of $146,972. 65% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Santa Barbara-Santa Maria-Goleta, CA (403), Oxnard-Thousand Oaks-Ventura, CA (144) and Salinas, CA (117) (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 | 895 |
| Total Mortgage Loan Application Amount | $306,183,000 |
| Average Mortgage Loan Application Amount | $342,103 |
| Highest Mortgage Loan Application Amount | $1,900,000 |
| Average Applicant Income | $146,972 |
| Highest Applicant Income | $2,224,000 |
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records Santa Barbara Bank & Trust N.A filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 403 | $ 143,465,000 | $ 355,992 | $ 152,000 |
| Ventura, California | 144 | $ 44,774,000 | $ 310,930 | $ 133,000 |
| Monterey, California | 117 | $ 43,033,000 | $ 367,803 | $ 171,000 |
| San Luis Obispo, California | 84 | $ 25,606,000 | $ 304,833 | $ 124,000 |
| San Benito, California | 41 | $ 10,433,000 | $ 254,463 | $ 89,000 |
| Santa Clara, California | 29 | $ 11,524,000 | $ 397,379 | $ 154,000 |
| Los Angeles, California | 22 | $ 10,062,000 | $ 457,363 | $ 160,000 |
| Santa Cruz, California | 13 | $ 4,472,000 | $ 344,000 | $ 129,000 |
| Riverside, California | 7 | $ 1,777,000 | $ 253,857 | $ 200,000 |
| San Diego, California | 4 | $ 701,000 | $ 175,250 | $ 162,000 |
| San Mateo, California | 3 | $ 1,578,000 | $ 526,000 | $ 628,000 |
| Alameda, California | 2 | $ 975,000 | $ 487,500 | $ 165,000 |
| Contra Costa, California | 2 | $ 505,000 | $ 252,500 | $ 163,000 |
| Fresno, California | 2 | $ 357,000 | $ 178,500 | $ 52,000 |
| Marin, California | 2 | $ 560,000 | $ 280,000 | $ 86,000 |
| Mono, California | 2 | $ 503,000 | $ 251,500 | $ 234,000 |
| Orange, California | 2 | $ 1,033,000 | $ 516,500 | $ 106,000 |
| San Bernardino, California | 2 | $ 214,000 | $ 107,000 | $ 147,000 |
| Stanislaus, California | 2 | $ 824,000 | $ 412,000 | $ 199,000 |
| Yavapai, Arizona | 1 | $ 150,000 | $ 150,000 | $ 29,000 |
| Calaveras, California | 1 | $ 730,000 | $ 730,000 | $ 138,000 |
| Kern, California | 1 | $ 190,000 | $ 190,000 | $ 117,000 |
| Madera, California | 1 | $ 292,000 | $ 292,000 | $ 172,000 |
| Sacramento, California | 1 | $ 201,000 | $ 201,000 | $ 54,000 |
| San Joaquin, California | 1 | $ 417,000 | $ 417,000 | $ 164,000 |
| Tulare, California | 1 | $ 84,000 | $ 84,000 | $ 48,000 |
| Tuolumne, California | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Yolo, California | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Hawaii, Hawaii | 1 | $ 626,000 | $ 626,000 | $ 282,000 |
| Washoe, Nevada | 1 | $ 417,000 | $ 417,000 | $ 203,000 |
| Pend Oreille, Washington | 1 | $ 360,000 | $ 360,000 | $ 167,000 |
Mortgage Loan Application Detail Totals for Santa Barbara Bank & Trust N.A in 2010
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 | 641 | $219,458,000 | $342,000 | $1,900,000 | $145,000 | $2,224,000 |
| Home Purchase | 171 | $65,926,000 | $385,000 | $1,680,000 | $166,000 | $1,466,000 |
| Home Improvement | 83 | $20,799,000 | $250,000 | $580,000 | $123,000 | $547,000 |
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 | 736 | $255,601,000 | $347,000 | $1,900,000 | $153,000 | $2,224,000 |
| Hispanic | 110 | $34,679,000 | $315,000 | $1,346,000 | $111,000 | $547,000 |
| Asian | 26 | $7,462,000 | $287,000 | $730,000 | $95,000 | $223,000 |
| Not Provided | 14 | $4,930,000 | $352,000 | $581,000 | $102,000 | $391,000 |
| American Indian or Alaskan Native | 5 | $2,056,000 | $411,000 | $680,000 | $461,000 | $613,000 |
| Black or African American | 2 | $560,000 | $280,000 | $300,000 | $124,000 | $192,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $245,000 | $245,000 | $245,000 | $170,000 | $170,000 |
| Not applicable | 1 | $650,000 | $650,000 | $650,000 | $0 | $0 |
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) | 895 | $306,183,000 | $342,000 | $1,900,000 | $147,000 | $2,224,000 |
| 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 | 585 | $193,862,000 | $331,000 | $1,680,000 | $155,000 | $2,224,000 |
| Application Denied By Financial Institution | 171 | $63,385,000 | $370,000 | $1,025,000 | $117,000 | $1,887,000 |
| Application Withdrawn By Applicant | 80 | $28,180,000 | $352,000 | $1,680,000 | $148,000 | $568,000 |
| File Closed For Incompleteness | 52 | $18,946,000 | $364,000 | $1,900,000 | $156,000 | $979,000 |
| Application Approved But Not Accepted | 7 | $1,810,000 | $258,000 | $470,000 | $109,000 | $240,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 53 | $20,920,000 | $394,000 | $730,000 | $147,000 | $1,887,000 |
| Debt-To-Income Ratio | 51 | $21,470,000 | $420,000 | $1,025,000 | $70,000 | $214,000 |
| Other | 28 | $9,007,000 | $321,000 | $730,000 | $143,000 | $460,000 |
| Credit History | 27 | $8,647,000 | $320,000 | $730,000 | $142,000 | $465,000 |
| Unverifiable Information | 9 | $2,812,000 | $312,000 | $460,000 | $82,000 | $258,000 |
| Credit Application Incomplete | 2 | $431,000 | $215,000 | $284,000 | $67,000 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $98,000 | $98,000 | $98,000 | $30,000 | $30,000 |
| 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 2010 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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