Santa Barbara Bank & Trust N.A Mortgage Lending & HMDA Data, 2011
In 2011, Santa Barbara Bank & Trust N.A of Goleta, CA reported 1,515 mortgage applications totaling $735.1 million, up 69% from 2010. The average application was for $485,234, and applicants reported an average income of $149,428. 46% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Santa Barbara-Santa Maria-Goleta, CA (533), Oxnard-Thousand Oaks-Ventura, CA (165) and Salinas, CA (135) (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 | 1,515 |
| Total Mortgage Loan Application Amount | $735,131,000 |
| Average Mortgage Loan Application Amount | $485,234 |
| Highest Mortgage Loan Application Amount | $9,075,000 |
| Average Applicant Income | $149,428 |
| Highest Applicant Income | $8,939,000 |
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records Santa Barbara Bank & Trust N.A filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 533 | $ 253,212,000 | $ 475,069 | $ 189,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 165 | $ 51,878,000 | $ 314,412 | $ 133,000 |
| Salinas, CA | 135 | $ 61,059,000 | $ 452,288 | $ 160,000 |
| San Luis Obispo-Paso Robles, CA | 135 | $ 46,096,000 | $ 341,451 | $ 113,000 |
| Los Angeles-Long Beach-Glendale, CA | 101 | $ 71,025,000 | $ 703,217 | $ 149,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 98 | $ 45,349,000 | $ 462,744 | $ 145,000 |
| Riverside-San Bernardino-Ontario, CA | 57 | $ 18,219,000 | $ 319,631 | $ 35,000 |
| Oakland-Fremont-Hayward, CA | 44 | $ 32,651,000 | $ 742,068 | $ 189,000 |
| San Francisco-San Mateo-Redwood City, CA | 36 | $ 30,418,000 | $ 844,944 | $ 249,000 |
| Santa Ana-Anaheim-Irvine, CA | 27 | $ 26,270,000 | $ 972,962 | $ 222,000 |
| Stockton, CA | 23 | $ 5,350,000 | $ 232,608 | $ 0 |
| Santa Cruz-Watsonville, CA | 21 | $ 8,218,000 | $ 391,333 | $ 62,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 16 | $ 13,353,000 | $ 834,562 | $ 103,000 |
| Bakersfield-Delano, CA | 14 | $ 1,370,000 | $ 97,857 | $ 16,000 |
| San Diego-Carlsbad-San Marcos, CA | 14 | $ 7,694,000 | $ 549,571 | $ 202,000 |
| Fresno, CA | 10 | $ 2,255,000 | $ 225,500 | $ 17,000 |
| Merced, CA | 10 | $ 1,976,000 | $ 197,600 | $ 3,000 |
| Modesto, CA | 10 | $ 2,520,000 | $ 252,000 | $ 0 |
| Napa, CA | 6 | $ 7,058,000 | $ 1,176,333 | $ 0 |
| Vallejo-Fairfield, CA | 6 | $ 6,713,000 | $ 1,118,833 | $ 0 |
| Chico, CA | 5 | $ 10,544,000 | $ 2,108,800 | $ 0 |
| Medford, OR | 5 | $ 2,447,000 | $ 489,400 | $ 0 |
| Yuba City, CA | 5 | $ 752,000 | $ 150,400 | $ 0 |
| Visalia-Porterville, CA | 4 | $ 274,000 | $ 68,500 | $ 0 |
| Hanford-Corcoran, CA | 3 | $ 2,684,000 | $ 894,666 | $ 0 |
| Madera-Chowchilla, CA | 3 | $ 1,760,000 | $ 586,666 | $ 95,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 2,945,000 | $ 981,666 | $ 0 |
| Santa Rosa-Petaluma, CA | 3 | $ 2,250,000 | $ 750,000 | $ 308,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 8,873,000 | $ 4,436,500 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 1,100,000 | $ 1,100,000 | $ 851,000 |
| Sherman-Denison, TX | 1 | $ 60,000 | $ 60,000 | $ 547,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 1,060,000 | $ 1,060,000 | $ 321,000 |
Mortgage Loan Application Detail Totals for Santa Barbara Bank & Trust N.A in 2011
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 | 888 | $468,889,000 | $528,000 | $9,075,000 | $178,000 | $8,939,000 |
| Home Purchase | 524 | $237,665,000 | $453,000 | $3,516,000 | $95,000 | $1,407,000 |
| Home Improvement | 103 | $28,577,000 | $277,000 | $1,500,000 | $180,000 | $556,000 |
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 | 943 | $465,243,000 | $493,000 | $4,500,000 | $190,000 | $8,939,000 |
| Not applicable | 331 | $168,711,000 | $509,000 | $9,075,000 | $0 | $0 |
| Hispanic | 97 | $27,811,000 | $286,000 | $1,300,000 | $151,000 | $667,000 |
| Not Provided | 65 | $39,499,000 | $607,000 | $1,682,000 | $216,000 | $1,053,000 |
| Asian | 44 | $21,588,000 | $490,000 | $1,369,000 | $191,000 | $862,000 |
| American Indian or Alaskan Native | 19 | $5,875,000 | $309,000 | $880,000 | $379,000 | $574,000 |
| Black or African American | 8 | $3,447,000 | $430,000 | $1,000,000 | $130,000 | $308,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $2,957,000 | $369,000 | $748,000 | $191,000 | $842,000 |
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) | 1,515 | $735,131,000 | $485,000 | $9,075,000 | $149,000 | $8,939,000 |
| 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 | 702 | $320,619,000 | $456,000 | $9,075,000 | $173,000 | $8,939,000 |
| Loan Purchased By The Institution | 418 | $219,326,000 | $524,000 | $5,137,000 | $97,000 | $1,347,000 |
| Application Denied By Financial Institution | 249 | $126,861,000 | $509,000 | $2,724,000 | $152,000 | $2,568,000 |
| Application Withdrawn By Applicant | 89 | $47,449,000 | $533,000 | $5,700,000 | $190,000 | $2,568,000 |
| File Closed For Incompleteness | 44 | $14,741,000 | $335,000 | $1,645,000 | $151,000 | $1,063,000 |
| Application Approved But Not Accepted | 13 | $6,135,000 | $471,000 | $1,460,000 | $230,000 | $1,091,000 |
| 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 | 88 | $40,012,000 | $454,000 | $2,724,000 | $155,000 | $1,029,000 |
| Debt-To-Income Ratio | 85 | $50,927,000 | $599,000 | $2,600,000 | $105,000 | $684,000 |
| Credit History | 46 | $22,631,000 | $491,000 | $1,425,000 | $195,000 | $2,568,000 |
| Other | 16 | $4,043,000 | $252,000 | $598,000 | $137,000 | $306,000 |
| Unverifiable Information | 6 | $3,162,000 | $527,000 | $805,000 | $365,000 | $1,407,000 |
| Credit Application Incomplete | 3 | $1,788,000 | $596,000 | $1,000,000 | $132,000 | $164,000 |
| Employment History | 3 | $863,000 | $287,000 | $417,000 | $120,000 | $230,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $3,435,000 | $1,717,000 | $1,935,000 | $538,000 | $710,000 |
| 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 2011 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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