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records Santa Barbara Bank & Trust N.A filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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, CA | 607 | $ 224,822,000 | $ 370,382 | $ 153,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 554 | $ 154,713,000 | $ 279,265 | $ 137,000 |
| Salinas, CA | 157 | $ 57,502,000 | $ 366,254 | $ 145,000 |
| Los Angeles-Long Beach-Glendale, CA | 128 | $ 56,034,000 | $ 437,765 | $ 150,000 |
| San Luis Obispo-Paso Robles, CA | 124 | $ 46,133,000 | $ 372,040 | $ 140,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 115 | $ 46,544,000 | $ 404,730 | $ 216,000 |
| Santa Cruz-Watsonville, CA | 25 | $ 6,067,000 | $ 242,680 | $ 117,000 |
| Bakersfield, CA | 9 | $ 2,342,000 | $ 260,222 | $ 175,000 |
| San Diego-Carlsbad-San Marcos, CA | 9 | $ 3,558,000 | $ 395,333 | $ 86,000 |
| Oakland-Fremont-Hayward, CA | 8 | $ 6,162,000 | $ 770,250 | $ 467,000 |
| Merced, CA | 5 | $ 1,599,000 | $ 319,800 | $ 182,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 1,575,000 | $ 315,000 | $ 209,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 5 | $ 1,640,000 | $ 328,000 | $ 314,000 |
| Modesto, CA | 3 | $ 770,000 | $ 256,666 | $ 61,000 |
| Santa Ana-Anaheim-Irvine, CA | 3 | $ 568,000 | $ 189,333 | $ 145,000 |
| Bend, OR | 2 | $ 496,000 | $ 248,000 | $ 515,000 |
| Santa Rosa-Petaluma, CA | 2 | $ 1,433,000 | $ 716,500 | $ 48,000 |
| Austin-Round Rock, TX | 1 | $ 545,000 | $ 545,000 | $ 300,000 |
| Fresno, CA | 1 | $ 130,000 | $ 130,000 | $ 396,000 |
| Las Vegas-Paradise, NV | 1 | $ 123,000 | $ 123,000 | $ 456,000 |
| Madera, CA | 1 | $ 587,000 | $ 587,000 | $ 0 |
| Napa, CA | 1 | $ 1,190,000 | $ 1,190,000 | $ 370,000 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 1,132,000 | $ 1,132,000 | $ 233,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 331,000 | $ 331,000 | $ 0 |
| Redding, CA | 1 | $ 200,000 | $ 200,000 | $ 858,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 704,000 | $ 704,000 | $ 250,000 |
| Stockton, CA | 1 | $ 660,000 | $ 660,000 | $ 252,000 |
| Visalia-Porterville, CA | 1 | $ 480,000 | $ 480,000 | $ 180,000 |
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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