Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Santa Barbara County, California
Every institution that decided a 1–4 unit mortgage application in Santa Barbara County, home to Santa Maria, between 2023 and 2025: 16,299 applications, 12,073 loans actually funded, across 8 kinds of borrowing.
Santa Barbara County at a glance
16,299Applications decided
2023–2025
12,073Loans funded
74% of decisions
108Census tracts
20 ZIP codes
443,975People
ACS 2023
What the data shows
The typical purchase mortgage here is $575K.
Investment home improvement is the hardest money to get here: lenders approved 57% of 227 applications.
Lending by loan type in Santa Barbara County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.0% | 6,114 | $575K | 95% | 300 |
| Home improvement loans | 62.0% | 2,284 | $125K | 90% | 134 |
| Cash-out refinance | 71.5% | 3,171 | $205K | 95% | 230 |
| Refinance | 77.8% | 2,290 | $565K | 94% | 211 |
| Investment property purchase | 87.4% | 1,086 | $555K | 95% | 172 |
| Investment cash-out refinance | 75.5% | 760 | $455K | 92% | 133 |
| Investment refinance | 73.3% | 367 | $635K | 93% | 109 |
| Investment home improvement | 57.3% | 227 | $215K | 88% | 69 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.