Santa Barbara Bank & Trust N.A Mortgage Lending & HMDA Data, 2007
In 2007, Santa Barbara Bank & Trust N.A of Goleta, CA reported 1,595 mortgage applications totaling $716.7 million, down 10% from 2006. The average application was for $449,333, and applicants reported an average income of $235,134. 67% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Santa Barbara-Santa Maria-Goleta, CA (534), Oxnard-Thousand Oaks-Ventura, CA (429) and Los Angeles-Long Beach-Glendale, CA (173) (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 | 1,595 |
| Total Mortgage Loan Application Amount | $716,687,000 |
| Average Mortgage Loan Application Amount | $449,333 |
| Highest Mortgage Loan Application Amount | $11,700,000 |
| Average Applicant Income | $235,134 |
| 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records Santa Barbara Bank & Trust N.A filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 534 | $ 231,363,000 | $ 433,264 | $ 245,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 429 | $ 169,572,000 | $ 395,272 | $ 168,000 |
| Los Angeles-Long Beach-Glendale, CA | 173 | $ 114,270,000 | $ 660,520 | $ 367,000 |
| Salinas, CA | 152 | $ 63,315,000 | $ 416,546 | $ 189,000 |
| San Luis Obispo-Paso Robles, CA | 117 | $ 47,827,000 | $ 408,777 | $ 220,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 74 | $ 38,577,000 | $ 521,310 | $ 207,000 |
| Santa Cruz-Watsonville, CA | 28 | $ 10,782,000 | $ 385,071 | $ 227,000 |
| Bakersfield, CA | 16 | $ 3,708,000 | $ 231,750 | $ 633,000 |
| Riverside-San Bernardino-Ontario, CA | 15 | $ 9,067,000 | $ 604,466 | $ 228,000 |
| Santa Ana-Anaheim-Irvine, CA | 10 | $ 6,843,000 | $ 684,300 | $ 493,000 |
| San Diego-Carlsbad-San Marcos, CA | 7 | $ 2,651,000 | $ 378,714 | $ 266,000 |
| Merced, CA | 6 | $ 2,042,000 | $ 340,333 | $ 101,000 |
| San Francisco-San Mateo-Redwood City, CA | 5 | $ 4,659,000 | $ 931,800 | $ 355,000 |
| El Paso, TX | 2 | $ 98,000 | $ 49,000 | $ 583,000 |
| Hanford-Corcoran, CA | 2 | $ 239,000 | $ 119,500 | $ 30,000 |
| Las Vegas-Paradise, NV | 2 | $ 934,000 | $ 467,000 | $ 400,000 |
| Madera, CA | 2 | $ 839,000 | $ 419,500 | $ 244,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 97,000 | $ 48,500 | $ 110,000 |
| Stockton, CA | 2 | $ 499,000 | $ 249,500 | $ 49,000 |
| Modesto, CA | 1 | $ 10,000 | $ 10,000 | $ 54,000 |
| Napa, CA | 1 | $ 1,500,000 | $ 1,500,000 | $ 480,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 490,000 | $ 490,000 | $ 123,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 480,000 | $ 480,000 | $ 300,000 |
| Redding, CA | 1 | $ 252,000 | $ 252,000 | $ 180,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 398,000 | $ 398,000 | $ 276,000 |
| Visalia-Porterville, CA | 1 | $ 496,000 | $ 496,000 | $ 0 |
Mortgage Loan Application Detail Totals for Santa Barbara Bank & Trust N.A in 2007
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 | 924 | $394,547,000 | $426,000 | $11,700,000 | $234,000 | $9,999,000 |
| Home Purchase | 390 | $234,104,000 | $600,000 | $7,000,000 | $297,000 | $4,127,000 |
| Home Improvement | 281 | $88,036,000 | $313,000 | $3,950,000 | $153,000 | $2,522,000 |
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 | 1,047 | $509,529,000 | $486,000 | $11,700,000 | $285,000 | $9,999,000 |
| Hispanic | 348 | $99,205,000 | $285,000 | $1,295,000 | $119,000 | $1,290,000 |
| Not Provided | 88 | $53,741,000 | $610,000 | $2,128,000 | $242,000 | $733,000 |
| Asian | 61 | $28,937,000 | $474,000 | $1,710,000 | $155,000 | $552,000 |
| Not applicable | 19 | $12,569,000 | $661,000 | $4,800,000 | $0 | $0 |
| Black or African American | 17 | $6,180,000 | $363,000 | $760,000 | $132,000 | $398,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $6,046,000 | $503,000 | $1,200,000 | $130,000 | $516,000 |
| American Indian or Alaskan Native | 3 | $480,000 | $160,000 | $250,000 | $90,000 | $175,000 |
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) | 1,595 | $716,687,000 | $449,000 | $11,700,000 | $235,000 | $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 | 1,073 | $446,329,000 | $415,000 | $4,800,000 | $223,000 | $9,999,000 |
| Application Denied By Financial Institution | 277 | $132,383,000 | $477,000 | $11,700,000 | $230,000 | $9,999,000 |
| Application Withdrawn By Applicant | 140 | $94,905,000 | $677,000 | $4,810,000 | $311,000 | $5,705,000 |
| Application Approved But Not Accepted | 53 | $20,464,000 | $386,000 | $2,438,000 | $212,000 | $2,010,000 |
| File Closed For Incompleteness | 52 | $22,606,000 | $434,000 | $2,470,000 | $327,000 | $4,231,000 |
| 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 | 89 | $50,811,000 | $570,000 | $11,700,000 | $321,000 | $9,999,000 |
| Credit History | 69 | $27,228,000 | $394,000 | $2,240,000 | $184,000 | $1,464,000 |
| Debt-To-Income Ratio | 66 | $15,168,000 | $229,000 | $2,128,000 | $87,000 | $384,000 |
| Other | 36 | $30,918,000 | $858,000 | $7,000,000 | $349,000 | $1,800,000 |
| Credit Application Incomplete | 8 | $3,899,000 | $487,000 | $1,500,000 | $329,000 | $751,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $3,669,000 | $524,000 | $824,000 | $200,000 | $552,000 |
| Unverifiable Information | 1 | $405,000 | $405,000 | $405,000 | $84,000 | $84,000 |
| Employment History | 1 | $285,000 | $285,000 | $285,000 | $69,000 | $69,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Santa Barbara Bank & Trust N.A's 2007 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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