Investment property refinance lenders in Santa Barbara County, California
Fat Boy Data analyzed investment property refinance activity in Santa Barbara County, California, home to Santa Maria, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 367 applications were decided by 109 lenders between 2023 and 2025.
Santa Barbara County at a glance
How Santa Barbara County compares
What the data shows
Montecito Bank & Trust made the most investment property refinances in Santa Barbara County, CA, 14 of them.
The typical investment property refinance here is $635K, 14% larger than the California typical of $555K.
Investment property refinance lenders in Santa Barbara County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage, LLCBroker only | 50% | 12 / 24 | 100% | $495K | 12 |
| 2 | Montecito Bank & TrustLimited sample | 82% | 14 / 17 | 100% | $635K | 14 |
| 3 | A&D Mortgage LLCLimited sample | 0% | 0 / 15 | — | — | 0 |
| 4 | Guaranteed Rate, Inc.Limited sample | 86% | 12 / 14 | 100% | $755K | 12 |
| 5 | U.S. Bank National AssociationLimited sample | 75% | 9 / 12 | 100% | $1M | 9 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 104 more lenders.
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You are seeing the 5 largest investment property refinance lenders in Santa Barbara County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
- Every lender in the market
- Approval rate and borrower take-up
- Typical loan size and range
- Nearest office and distance
- Branch count and application options
- How easy each lender is to reach
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