Santa Maria-Santa Barbara, CA Metro Area Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 8,275 mortgage applications in Santa Maria-Santa Barbara, CA metro area totaling $6.1 billion, down 40% from 2022. The average application was for $735,960, and applicants reported an average income of $261,000. 45% of applications resulted in an originated loan and 16% were denied. The most active lender was JPMorgan Chase Bank, NA, with 1,203 applications, followed by United Wholesale Mortgage and Bank of America NA.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 8,275 |
| Total Mortgage Loan Application Amount | $6,090,070,000 |
| Average Mortgage Loan Application Amount | $735,960 |
| Highest Mortgage Loan Application Amount | $75,005,000 |
| Average Applicant Income | $261,000 |
| Highest Applicant Income | $9,354,000 |
Top Mortgage Lenders in Santa Maria-Santa Barbara, CA Metro Area (2023)
Ranked by the number of mortgage applications each lender reported in Santa Maria-Santa Barbara, CA metro area in 2023.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, NA Columbus, OH |
1,203 | $1,826,555,000 | $1,518,000 | $618,000 |
| 2 | United Wholesale Mortgage Plymouth, MI |
511 | $235,485,000 | $460,000 | $195,000 |
| 3 | Bank of America NA Westlake Village, CA |
349 | $179,035,000 | $512,000 | $187,000 |
| 4 | US Bank, N.A. Cincinnati, OH |
284 | $158,000,000 | $556,000 | $268,000 |
| 5 | Sesloc Credit Union San Luis Obispo, CA |
181 | $31,675,000 | $175,000 | $144,000 |
| 6 | Discover Bank Greenwood, DE |
178 | $19,630,000 | $110,000 | $146,000 |
| 7 | Coasthills Credit Union Santa Maria, CA |
171 | $31,285,000 | $182,000 | $124,000 |
| 8 | Figure Lending LLC San Francisco, CA |
166 | $17,740,000 | $106,000 | $187,000 |
| 9 | Guaranteed Rate, Inc. Chicago, IL |
166 | $112,230,000 | $676,000 | $308,000 |
| 10 | loanDepot.com LLC Irvine, CA |
160 | $70,180,000 | $438,000 | $134,000 |
See every lender active in Santa Maria-Santa Barbara, CA metro area in 2023 »
The tables below break down 2023 mortgage applications in Santa Maria-Santa Barbara, CA metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Santa Maria-Santa Barbara, CA in 2023
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 3,436 | $3,077,770,000 | $895,000 | $74,505,000 | $303,000 | $9,354,000 |
| Cash-out Refinancing | 1,723 | $1,195,155,000 | $693,000 | $75,005,000 | $200,000 | $6,728,000 |
| Home Improvement | 1,056 | $226,335,000 | $214,000 | $2,805,000 | $200,000 | $6,701,000 |
| Other Purpose | 1,037 | $689,495,000 | $664,000 | $27,005,000 | $289,000 | $8,822,000 |
| Refinancing | 858 | $778,190,000 | $906,000 | $24,005,000 | $269,000 | $7,276,000 |
| Not Applicable | 165 | $123,125,000 | $746,000 | $5,005,000 | $0 | $0 |
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 | 3,138 | $2,096,145,000 | $668,000 | $18,005,000 | $315,000 | $8,985,000 |
| Hispanic | 1,755 | $634,615,000 | $361,000 | $6,285,000 | $157,000 | $9,354,000 |
| Not applicable | 1,647 | $2,320,475,000 | $1,408,000 | $75,005,000 | $272,000 | $855,000 |
| Not Provided | 1,274 | $813,200,000 | $638,000 | $20,005,000 | $275,000 | $8,985,000 |
| Asian | 253 | $138,595,000 | $547,000 | $9,005,000 | $291,000 | $7,276,000 |
| Black or African American | 83 | $29,775,000 | $358,000 | $2,105,000 | $173,000 | $1,102,000 |
| American Indian or Alaskan Native | 42 | $17,890,000 | $425,000 | $5,305,000 | $293,000 | $3,698,000 |
| Native Hawaiian or Other Pacific Islander | 18 | $5,880,000 | $326,000 | $745,000 | $161,000 | $455,000 |
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) | 7,240 | $5,564,285,000 | $768,000 | $75,005,000 | $283,000 | $9,354,000 |
| FHA-insured (Federal Housing Administration) | 683 | $322,965,000 | $472,000 | $1,045,000 | $116,000 | $2,532,000 |
| VA-guaranteed (Veterans Administration) | 349 | $202,185,000 | $579,000 | $1,995,000 | $145,000 | $1,012,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $635,000 | $211,000 | $355,000 | $85,000 | $137,000 |
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 | 3,721 | $2,526,325,000 | $678,000 | $74,505,000 | $273,000 | $8,985,000 |
| Loan Purchased By The Institution | 1,575 | $1,907,835,000 | $1,211,000 | $75,005,000 | $292,000 | $2,733,000 |
| Application Denied By Financial Institution | 1,348 | $601,650,000 | $446,000 | $18,005,000 | $195,000 | $6,410,000 |
| Application Withdrawn By Applicant | 1,029 | $741,790,000 | $721,000 | $14,005,000 | $309,000 | $9,354,000 |
| File Closed For Incompleteness | 337 | $176,785,000 | $524,000 | $15,005,000 | $212,000 | $8,822,000 |
| Application Approved But Not Accepted | 233 | $118,165,000 | $507,000 | $5,105,000 | $319,000 | $8,935,000 |
| Preapproval Approved but not Accepted | 30 | $16,890,000 | $563,000 | $1,105,000 | $175,000 | $585,000 |
| Preapproval Denied by Financial Institution | 2 | $630,000 | $315,000 | $375,000 | $134,000 | $158,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 6,813 | $5,370,850,000 | $788,000 | $75,005,000 | $278,000 | $9,354,000 |
| Debt-To-Income Ratio | 741 | $397,525,000 | $536,000 | $10,005,000 | $162,000 | $3,768,000 |
| Credit History | 203 | $59,175,000 | $291,000 | $5,005,000 | $195,000 | $5,610,000 |
| Collateral | 163 | $95,005,000 | $582,000 | $6,515,000 | $322,000 | $5,111,000 |
| Credit Application Incomplete | 147 | $47,965,000 | $326,000 | $4,005,000 | $181,000 | $2,471,000 |
| Other | 134 | $84,060,000 | $627,000 | $18,005,000 | $247,000 | $6,410,000 |
| Unverifiable Information | 47 | $23,105,000 | $491,000 | $3,005,000 | $259,000 | $2,277,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $7,745,000 | $455,000 | $1,105,000 | $195,000 | $1,144,000 |
| Employment History | 10 | $4,640,000 | $464,000 | $1,205,000 | $200,000 | $550,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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