Santa Barbara Bank & Trust N.A Mortgage Lending & HMDA Data, 2009
In 2009, Santa Barbara Bank & Trust N.A of Goleta, CA reported 1,181 mortgage applications totaling $430.7 million, down 5% from 2008. The average application was for $364,709, and applicants reported an average income of $212,687. 67% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Santa Barbara-Santa Maria-Goleta, CA (508), Oxnard-Thousand Oaks-Ventura, CA (215) and Salinas, CA (143) (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 | 1,181 |
| Total Mortgage Loan Application Amount | $430,722,000 |
| Average Mortgage Loan Application Amount | $364,709 |
| Highest Mortgage Loan Application Amount | $3,850,000 |
| Average Applicant Income | $212,687 |
| Highest Applicant Income | $8,948,000 |
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records Santa Barbara Bank & Trust N.A filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 508 | $ 197,245,000 | $ 388,277 | $ 177,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 215 | $ 67,529,000 | $ 314,088 | $ 137,000 |
| Salinas, CA | 143 | $ 47,593,000 | $ 332,818 | $ 271,000 |
| San Luis Obispo-Paso Robles, CA | 121 | $ 43,350,000 | $ 358,264 | $ 401,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 98 | $ 32,942,000 | $ 336,142 | $ 186,000 |
| Los Angeles-Long Beach-Glendale, CA | 43 | $ 23,112,000 | $ 537,488 | $ 261,000 |
| Santa Cruz-Watsonville, CA | 17 | $ 5,993,000 | $ 352,529 | $ 175,000 |
| San Diego-Carlsbad-San Marcos, CA | 7 | $ 2,871,000 | $ 410,142 | $ 253,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 1,766,000 | $ 353,200 | $ 196,000 |
| San Francisco-San Mateo-Redwood City, CA | 4 | $ 1,805,000 | $ 451,250 | $ 326,000 |
| Madera-Chowchilla, CA | 2 | $ 422,000 | $ 211,000 | $ 169,000 |
| Merced, CA | 2 | $ 148,000 | $ 74,000 | $ 49,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 451,000 | $ 225,500 | $ 153,000 |
| Bakersfield, CA | 1 | $ 130,000 | $ 130,000 | $ 44,000 |
| Baltimore-Towson, MD | 1 | $ 140,000 | $ 140,000 | $ 142,000 |
| Fresno, CA | 1 | $ 372,000 | $ 372,000 | $ 600,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 200,000 | $ 200,000 | $ 1,564,000 |
| Las Vegas-Paradise, NV | 1 | $ 358,000 | $ 358,000 | $ 481,000 |
| Reno-Sparks, NV | 1 | $ 400,000 | $ 400,000 | $ 1,219,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 2,500,000 | $ 2,500,000 | $ 1,790,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 250,000 | $ 250,000 | $ 282,000 |
| Visalia-Porterville, CA | 1 | $ 108,000 | $ 108,000 | $ 29,000 |
Mortgage Loan Application Detail Totals for Santa Barbara Bank & Trust N.A in 2009
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 | 827 | $297,409,000 | $359,000 | $3,200,000 | $192,000 | $4,504,000 |
| Home Purchase | 228 | $92,930,000 | $407,000 | $3,850,000 | $308,000 | $8,948,000 |
| Home Improvement | 126 | $40,383,000 | $320,000 | $3,000,000 | $176,000 | $3,336,000 |
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 | 992 | $360,318,000 | $363,000 | $3,000,000 | $225,000 | $8,948,000 |
| Hispanic | 116 | $37,462,000 | $322,000 | $2,100,000 | $128,000 | $1,564,000 |
| Not Provided | 30 | $10,566,000 | $352,000 | $938,000 | $189,000 | $1,434,000 |
| Asian | 26 | $10,688,000 | $411,000 | $1,100,000 | $201,000 | $1,938,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $2,170,000 | $361,000 | $788,000 | $200,000 | $689,000 |
| American Indian or Alaskan Native | 5 | $1,626,000 | $325,000 | $620,000 | $268,000 | $631,000 |
| Not applicable | 3 | $7,121,000 | $2,373,000 | $3,850,000 | $0 | $0 |
| Black or African American | 3 | $771,000 | $257,000 | $365,000 | $57,000 | $94,000 |
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) | 1,181 | $430,722,000 | $364,000 | $3,850,000 | $213,000 | $8,948,000 |
| 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 | 787 | $284,452,000 | $361,000 | $3,850,000 | $215,000 | $8,948,000 |
| Application Denied By Financial Institution | 212 | $80,064,000 | $377,000 | $2,100,000 | $247,000 | $1,785,000 |
| Application Withdrawn By Applicant | 88 | $31,543,000 | $358,000 | $1,400,000 | $176,000 | $1,187,000 |
| File Closed For Incompleteness | 82 | $30,045,000 | $366,000 | $825,000 | $151,000 | $1,129,000 |
| Application Approved But Not Accepted | 12 | $4,618,000 | $384,000 | $680,000 | $159,000 | $405,000 |
| 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 | 72 | $26,430,000 | $367,000 | $1,000,000 | $190,000 | $1,160,000 |
| Other | 54 | $18,395,000 | $340,000 | $800,000 | $511,000 | $1,785,000 |
| Debt-To-Income Ratio | 47 | $19,282,000 | $410,000 | $1,400,000 | $70,000 | $285,000 |
| Credit History | 22 | $8,218,000 | $373,000 | $2,100,000 | $119,000 | $344,000 |
| Credit Application Incomplete | 10 | $4,314,000 | $431,000 | $680,000 | $366,000 | $1,307,000 |
| Unverifiable Information | 4 | $2,526,000 | $631,000 | $1,110,000 | $288,000 | $607,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $834,000 | $417,000 | $417,000 | $132,000 | $139,000 |
| Employment History | 1 | $65,000 | $65,000 | $65,000 | $29,000 | $29,000 |
| 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 2009 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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