Santa Barbara Bank & Trust N.A Mortgage Lending & HMDA Data, 2005
In 2005, Santa Barbara Bank & Trust N.A of Goleta, CA reported 1,134 mortgage applications totaling $429.2 million, down 4% from 2004. The average application was for $378,489, and applicants reported an average income of $121,350. 75% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Santa Barbara-Santa Maria-Goleta, CA (468), Oxnard-Thousand Oaks-Ventura, CA (314) and Salinas, CA (90) (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 | 1,134 |
| Total Mortgage Loan Application Amount | $429,207,000 |
| Average Mortgage Loan Application Amount | $378,489 |
| Highest Mortgage Loan Application Amount | $6,150,000 |
| Average Applicant Income | $121,350 |
| Highest Applicant Income | $9,999,000 |
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records Santa Barbara Bank & Trust N.A filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Santa Barbara-Santa Maria-Goleta, CA | 468 | $ 199,986,000 | $ 427,320 | $ 175,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 314 | $ 83,455,000 | $ 265,780 | $ 78,000 |
| Salinas, CA | 90 | $ 39,222,000 | $ 435,800 | $ 102,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 81 | $ 34,606,000 | $ 427,234 | $ 135,000 |
| San Luis Obispo-Paso Robles, CA | 75 | $ 24,050,000 | $ 320,666 | $ 118,000 |
| Santa Cruz-Watsonville, CA | 22 | $ 8,236,000 | $ 374,363 | $ 63,000 |
| Los Angeles-Long Beach-Glendale, CA | 15 | $ 8,299,000 | $ 553,266 | $ 123,000 |
| Bakersfield, CA | 9 | $ 2,987,000 | $ 331,888 | $ 114,000 |
| Riverside-San Bernardino-Ontario, CA | 9 | $ 3,336,000 | $ 370,666 | $ 59,000 |
| Merced, CA | 6 | $ 2,168,000 | $ 361,333 | $ 111,000 |
| San Francisco-San Mateo-Redwood City, CA | 6 | $ 1,040,000 | $ 173,333 | $ 182,000 |
| Madera, CA | 5 | $ 1,475,000 | $ 295,000 | $ 121,000 |
| San Diego-Carlsbad-San Marcos, CA | 5 | $ 1,766,000 | $ 353,200 | $ 33,000 |
| Oakland-Fremont-Hayward, CA | 3 | $ 1,554,000 | $ 518,000 | $ 331,000 |
| Stockton, CA | 3 | $ 1,968,000 | $ 656,000 | $ 0 |
| Visalia-Porterville, CA | 3 | $ 861,000 | $ 287,000 | $ 99,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 1,105,000 | $ 552,500 | $ 208,000 |
| Greeley, CO | 1 | $ 6,150,000 | $ 6,150,000 | $ 0 |
| Hanford-Corcoran, CA | 1 | $ 278,000 | $ 278,000 | $ 0 |
| Las Vegas-Paradise, NV | 1 | $ 184,000 | $ 184,000 | $ 420,000 |
| Medford, OR | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Modesto, CA | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 820,000 | $ 820,000 | $ 300,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 725,000 | $ 725,000 | $ 176,000 |
| Redding, CA | 1 | $ 656,000 | $ 656,000 | $ 0 |
| Saginaw-Saginaw Township North, MI | 1 | $ 150,000 | $ 150,000 | $ 92,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 508,000 | $ 508,000 | $ 125,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 187,000 | $ 187,000 | $ 158,000 |
| Waco, TX | 1 | $ 644,000 | $ 644,000 | $ 0 |
Mortgage Loan Application Detail Totals for Santa Barbara Bank & Trust N.A in 2005
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 | 468 | $198,653,000 | $1,724,250 | $6,150,000 | $158,750 | $6,827,000 |
| Home Purchase | 419 | $161,598,000 | $566,250 | $4,100,000 | $120,000 | $1,485,000 |
| Home Improvement | 247 | $68,956,000 | $279,000 | $2,000,000 | $167,000 | $9,999,000 |
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 | 748 | $295,209,000 | $1,351,333 | $6,150,000 | $171,500 | $6,827,000 |
| Hispanic | 286 | $77,697,000 | $271,000 | $1,739,000 | $64,000 | $473,000 |
| Not Provided | 43 | $14,183,000 | $329,000 | $1,100,000 | $101,000 | $388,000 |
| Asian | 27 | $14,171,000 | $524,000 | $2,000,000 | $328,000 | $9,999,000 |
| Not applicable | 23 | $25,922,000 | $896,500 | $4,100,000 | $6,500 | $403,000 |
| Black or African American | 4 | $1,099,000 | $274,000 | $430,000 | $97,000 | $131,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $476,000 | $238,000 | $270,000 | $33,000 | $50,000 |
| American Indian or Alaskan Native | 1 | $450,000 | $450,000 | $450,000 | $159,000 | $159,000 |
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) | 1,134 | $429,207,000 | $1,248,428 | $6,150,000 | $145,571 | $9,999,000 |
| 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 | 852 | $340,612,000 | $1,684,800 | $6,150,000 | $106,200 | $9,999,000 |
| Application Withdrawn By Applicant | 203 | $57,163,000 | $205,333 | $2,275,000 | $203,666 | $709,000 |
| Application Denied By Financial Institution | 36 | $14,097,000 | $391,000 | $1,120,000 | $70,000 | $282,000 |
| Application Approved But Not Accepted | 34 | $13,496,000 | $396,000 | $1,575,000 | $82,000 | $276,000 |
| File Closed For Incompleteness | 9 | $3,839,000 | $426,000 | $910,000 | $136,000 | $364,000 |
| 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 | 19 | $7,405,000 | $389,000 | $1,120,000 | $55,000 | $176,000 |
| Credit History | 13 | $5,718,000 | $439,000 | $825,000 | $74,000 | $218,000 |
| Collateral | 4 | $974,000 | $243,000 | $788,000 | $106,000 | $282,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Santa Barbara Bank & Trust N.A's 2005 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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