Mortgage lending in Santa Barbara County, California
Lenders in Santa Barbara County, California reported 9,495 mortgage applications for 2025, according to the CFPB.
9,495 mortgage applications and 5,402 loans originated in 2025; the denial rate was 21.8% of 7,380 applications decided. The median loan was about $505,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Santa Maria-Santa Barbara, CA MSA.
- 9,495
- Applications
- 5,402
- Loans originated
- 21.8%
- Denial rate
- 1,608 denied of 7,380 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 9,495 | 5,402 |
| 2024 | 8,234 | 4,538 |
| 2023 | 6,814 | 3,761 |
| 2022 | 12,559 | 7,411 |
| 2021 | 29,542 | 19,575 |
| 2020 | 29,433 | 19,275 |
| 2019 | 17,048 | 10,736 |
| 2018 | 12,942 | 7,606 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 510 | 722 |
| Rocket Mortgage | 283 | 403 |
| Guaranteed Rate, Inc. | 250 | 422 |
| loanDepot.com LLC | 191 | 309 |
| US Bank, N.A. | 152 | 351 |
| Crosscountry Mortgage, LLC | 139 | 196 |
| JPMorgan Chase Bank, NA | 122 | 174 |
| Bank of America NA | 119 | 267 |
| Originpoint, LLC | 111 | 187 |
| Kind Lending, LLC | 104 | 145 |
| Movement Mortgage, LLC | 96 | 148 |
| Guild Mortgage Company | 88 | 178 |
| CMG Mortgage Inc | 86 | 128 |
| Sesloc Credit Union | 78 | 138 |
| CoastHills Credit Union | 74 | 128 |
| Pennymac Loan Services LLC | 74 | 146 |
| Spring Eq, LLC | 72 | 231 |
| Montecito Bank and Trust | 63 | 106 |
| Finance of America Reverse LLC | 60 | 80 |
| Wells Fargo Bank NA | 60 | 96 |
| Newrez LLC | 54 | 151 |
| Coastal Funding SLC, Inc. | 54 | 61 |
| Freedom Mortgage Corporation | 53 | 133 |
| The Golden 1 Credit Union | 53 | 116 |
| Prosperity Home Mortgage, LLC | 52 | 80 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 97 | 31.5% of 73 decided |
| Asian | 394 | 25.5% of 306 decided |
| Black or African American | 92 | 24.3% of 70 decided |
| Native Hawaiian or Other Pacific Islander | 21 | no rate: base under 50 |
| White | 6,114 | 20.9% of 4,874 decided |
| 2 or more minority races | withheld | |
| Joint | 262 | 15.0% of 200 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 2,493 | 23.4% of 1,825 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 2,512 | 26.6% of 1,941 decided |
| Not Hispanic or Latino | 4,476 | 19.8% of 3,575 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,087 | 21.3% of 1,537 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,865 | 26.4% of 2,219 decided |
| Female | 1,735 | 24.3% of 1,326 decided |
| Joint | 3,816 | 17.0% of 3,055 decided |
| Sex Not Available | 1,079 | 23.3% of 780 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 28 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved