SANTA MARIA - SANTA BARBARA Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Santa Maria - Santa Barbara averaged 6.75% for the week of 2024-06-06, compared to the national average of 6.99% for the same period.

The average rate for the prior week (2024-05-30) was 6.79% and one month ago for the week of 2024-05-02, the average rate was 7.38%.

Santa Maria - Santa Barbara's average rate one year ago was 6.65%.

For refis of the same type during the week of 2024-06-06, the average rate was 7.26%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-06-06 6.99%
Santa Maria - Santa Barbara 30 Year Fixed Rate 2024-06-06 6.75%
Santa Maria - Santa Barbara 30 Year Fixed Rate Refi 2024-06-06 7.26%
Santa Maria - Santa Barbara 15 Year Fixed Rate 2024-06-06 6.29%
Santa Maria - Santa Barbara 15 Year Fixed Rate Refi 2024-06-06 6.49%
Santa Maria - Santa Barbara 30 Year FHA 2024-06-06 6.17%
Santa Maria - Santa Barbara 30 Year FHA Refi 2024-06-06 6.49%
Santa Maria - Santa Barbara 30 Year USDA 2024-06-06 6.8%
Santa Maria - Santa Barbara 30 Year USDA Refi 2024-06-06 6.7%
Santa Maria - Santa Barbara 30 Year VA 2024-06-06 6.2%
Santa Maria - Santa Barbara 30 Year VA Refi 2024-06-06 6.59%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within SANTA MARIA-SANTA BARBARA, CA.

SANTA MARIA - SANTA BARBARA Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the SANTA MARIA-SANTA BARBARA, CA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 194 6.67% $11,029
QUICKEN LOANS, LLC 110 6.62% $8,018
GUARANTEED RATE, INC. 66 6.89% $9,481
JPMorgan Chase Bank 65 6.57% $6,982
LOANDEPOT.COM, LLC 63 6.55% $9,684
HOMEOWNERS FINANCIAL GROUP USA, LLC 56 7.02% $18,077
GUILD MORTGAGE COMPANY 52 6.56% $9,780
MOVEMENT MORTGAGE, LLC 49 6.86% $8,640
Wells Fargo Bank 45 6.04% $6,791
CROSSCOUNTRY MORTGAGE, LLC 37 7.05% $10,870
Century Mortgage Company DBA Century Lending Company 31 6.52% $11,307
U.S. Bank 31 6.21% $7,374
CMG MORTGAGE, INC. 31 7.10% $10,931
PNC Bank 30 6.27% $8,713
Morgan Stanley Private Bank 28 5.75% $5,776
Bank of America 28 6.15% $7,570
Citibank 25 5.69% $7,733
MidFirst Bank 21 6.12% $21,628
First Republic Bank 17 4.81% $9,912
ENVOY MORTGAGE, LTD 15 6.72% $9,170
CORNERSTONE HOME LENDING, INC. 15 6.66% $13,111
S1L, Inc. 14 6.77% $10,672
PENNYMAC LOAN SERVICES, LLC 14 6.49% $6,810
Nations Lending Corporation 13 6.52% $12,553
HOMEBRIDGE FINANCIAL SERVICES, INC. 13 6.86% $11,763
COASTHILLS 13 6.25% $3,439
Sierra Pacific Mortgage Company, Inc. 11 6.89% $8,479
Charles Schwab Bank, SSB 11 5.79% $3,834
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 10 7.05% $9,311
AMERICAN PACIFIC MORTGAGE CORPORATION 10 7.04% $10,237
UBS Bank USA 10 5.70% $6,179
American Mortgage & Equity Consultants, Inc. 10 7.09% $7,852
SESLOC 10 6.58% $5,842
COASTAL FUNDING SLC, INC. 9 7.24% $6,681
AMERICAN FINANCIAL NETWORK, INC. 9 6.78% $10,081
PLAZA HOME MORTGAGE, INC. 8 8.29% $11,074
Prosperity Home Mortgage, LLC 8 6.69% $7,045
City National Bank 8 6.06% $7,153
Mechanics Bank 7 6.41% $3,489
Paramount Residential Mortgage Group, Inc. 7 7.00% $7,998
Citadel Servicing Corporation 6 8.56% $15,411
NEXERA HOLDING LLC 6 8.10% $15,750
OCMBC, INC. 6 8.33% $17,457
DRAPER AND KRAMER MORTGAGE CORP. 6 6.71% $10,860
First-Citizens Bank & Trust Company 6 5.59% $6,760
LEADERONE FINANCIAL CORPORATION 6 6.85% $10,317
KINECTA 5 6.65% $9,589
Flagstar Bank, FSB 5 7.07% $5,100
DIGNIFIED HOME LOANS, LLC 5 7.02% $8,198
THE GOLDEN 1 5 6.70% $5,644
NEWREZ LLC 5 7.75% $11,242
BAY EQUITY LLC 4 6.72% $5,602
NAVY FEDERAL CREDIT UNION 4 5.97% $3,867
MICHIGAN MUTUAL, INC. 4 6.06% $9,053
BROKER SOLUTIONS, INC. 4 7.31% $6,208
Plains Commerce Bank 4 6.47% $6,793
First Bank 4 5.31% $3,922
BMO Harris Bank 4 6.09% $10,408
ARC HOME LLC 3 8.21% $9,813
SUMMIT MORTGAGE BANKERS INC. 3 6.92% $5,173
The Loan Store, Inc. 3 7.08% $11,760
SCHOOLSFIRST 3 6.29% $4,584
EVERETT FINANCIAL, INC. 3 6.67% $13,925
PROVIDENT FUNDING ASSOCIATES, L.P. 3 6.13% $6,681
BM Real Estate Services, Inc. 3 7.87% $6,193
Citizens Bank 3 6.58% $8,842
FIRST COMMUNITY MORTGAGE, INC. 3 6.58% $3,237
BRIDGELOCK CAPITAL 3 7.13% $18,101
Golden Empire Mortgage, Inc. 3 6.79% $11,218
AMERICAN HERITAGE LENDING, INC. 3 9.17% $19,361
NMSI, INC. 3 7.08% $16,968
Mr. Cooper ( Nationstar Mortgage ) 3 7.16% $14,279
AmeriHome Mortgage Company, LLC 2 7.06% $13,546
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 7.19% $8,969
Luther Burbank Savings 2 6.56% $6,133
Goldman Sachs Bank USA 2 6.05% $13,405
CUSTOMER SERVICE MORTGAGE CORPORATION 2 6.69% $7,956
Stifel Bank and Trust 2 6.19% $4,261
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 5.94% $7,513
NP, Inc. 2 8.75% $13,224
Northwest Farm Credit Services, FLCA 2 7.43% $23,770
DEL SUR CORPORATION 2 7.06% $13,966
VAN DYK MORTGAGE CORPORATION 2 7.13% $8,927
CENTRAL COAST LENDING, INC. 2 6.56% $8,693
NBKC BANK 2 6.94% $1,988
HSBC BANK USA, NATIONAL ASSOCIATION 2 5.76% $11,649
ALAMEDA MORTGAGE CORPORATION 2 7.31% $10,371
Utah Mortgage Loan Corporation 2 6.50% $7,054
LENDSURE MORTGAGE CORP. 2 8.31% $12,276
Axos Bank 2 8.06% $39,477
ZILLOW HOME LOANS, LLC 2 6.44% $16,161
Raymond James Bank 2 5.19% $5,928
RESIDENTIAL WHOLESALE MORTGAGE, INC. 2 6.56% $6,123
AMERISAVE MORTGAGE CORPORATION 2 6.00% $27,683
Commerce Home Mortgage, Inc. 2 7.69% $11,179
Bethpage Federal Credit Union 2 5.69% $6,323
FOUNDATION MORTGAGE CORPORATION 2 7.50% $11,803
Zions Bank 1 5.38% $8,842
ACADEMY MORTGAGE CORPORATION 1 6.50% $15,293
A&D Mortgage LLC 1 7.99% $42,638
ADVANCIAL 1 7.00% $22,054
ALTITUDE FINANCIAL CORPORATION 1 6.88% $4,198
AMERICAN INTERNET MORTGAGE, INC. 1 5.75% $11,683
ANGEL OAK HOME LOANS LLC 1 9.38% $17,636
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 7.88% $46,617
AUGUSTA FINANCIAL, INC. 1 6.50% $5,081
Bank of the West 1 5.88% $14,592
BAY-VALLEY MORTGAGE GROUP 1 7.88% $7,495
BETTER MORTGAGE CORPORATION 1 5.50% $3,406
BNY Mellon 1 5.13% $5,031
Boeing Employees Credit Union 1 6.13% $4,739
CALIFORNIA CREDIT UNION 1 4.88% $0
Carrington Mortgage Services, LLC 1 7.50% $10,682
Cathay Bank 1 6.00% $4,045
CERTIFIED 1 6.25% $3,240
CHEVRON 1 5.25% $5,219
CHURCHILL MORTGAGE CORPORATION 1 7.13% $15,185
CIBC Bank USA 1 5.13% $6,007
City National Bank of Florida 1 5.50% $4,328
Comerica Bank 1 6.13% $17,092
COMMUNITY MORTGAGE FUNDING, LLC 1 7.25% $5,594
East West Bank 1 6.50% $20,656
Equity Prime Mortgage LLC 1 6.25% $14,039
F&A Federal Credit Union 1 5.88% $1,914
Fifth Third Bank 1 5.50% $4,165
FIRST ENTERTAINMENT 1 5.00% $5,391
FUNDLOANS CAPITAL 1 8.75% $11,593
GENEVA FINANCIAL, LLC 1 6.38% $12,609
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.50% $11,078
GOOGAIN, INC. 1 7.99% $2,788
GUARANTEED RATE AFFINITY, LLC 1 5.98% $17,007
Hometown Equity Mortgage, LLC 1 7.88% $4,657
HOMEXPRESS MORTGAGE CORP. 1 9.88% $17,089
INTELLILOAN, INC. 1 5.75% $3,962
ISERVE RESIDENTIAL LENDING, LLC 1 7.63% $8,982
KD CAPITAL MORTGAGE CORPORATION 1 6.50% $5,440
KeyBank 1 7.50% $6,872
LAKEVIEW LOAN SERVICING, LLC 1 6.63% $11,919
Los Angeles Federal Credit Union 1 5.38% $3,973
Luxury Mortgage Corp. 1 7.88% $20,153
MASON MCDUFFIE MORTGAGE CORPORATION 1 6.99% $7,702
MEMBER FIRST MORTGAGE, LLC 1 5.88% $10,477
MK LENDING CORP. 1 7.88% $8,707
MLD MORTGAGE INC. 1 7.50% $4,271
NEW WAVE LENDING GROUP INC 1 8.25% $8,426
PANORAMA MORTGAGE GROUP, LLC 1 7.25% $9,743
PARTNERS 1 6.25% $3,208
PHH Mortgage Corporation 1 6.75% $6,602
POINT Mortgage 1 6.88% $4,844
RESIDENTIAL BANCORP 1 6.63% $21,647
Royal Business Bank 1 7.38% $3,972
SECURITYNATIONAL MORTGAGE COMPANY 1 6.49% $20,523
SOUTHLAND CREDIT UNION 1 7.00% $4,899
ST FIN CORP 1 7.38% $17,834
SUN AMERICAN MORTGAGE COMPANY 1 5.88% $7,426
The Northern Trust Company 1 6.13% $3,922
UMB Bank 1 3.87% $8,113
UNION HOME MORTGAGE CORP. 1 6.63% $6,455
United Fidelity Funding Corp. 1 6.88% $14,187
VICTORIA FINANCIAL CORP. 1 6.88% $5,108
Wallick & Volk, Inc. 1 7.00% $870
WINGS FINANCIAL 1 4.88% $4,141
5TH STREET CAPITAL, INC. 1 8.25% $4,441

SANTA MARIA - SANTA BARBARA Average Closing Costs & Other Stats

SANTA MARIA-SANTA BARBARA, CA's 163 lenders originated 3,720 loans during 2023. The total origination value was $2,526,290,000, with an average loan value of $679,110.

SANTA MARIA - SANTA BARBARA's average closing costs are $6,472.

The top SANTA MARIA - SANTA BARBARA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 194 loans originated. Their average total fees are $11,029, which is $3,011 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee SANTA MARIA - SANTA BARBARA lenders (with over 10 loans originated) are COASTHILLS ($3,439), Charles Schwab Bank, SSB ($3,834), Morgan Stanley Private Bank ($5,776), SESLOC ($5,842) and UBS Bank USA ($6,179).

The lowest rate SANTA MARIA - SANTA BARBARA lenders (with over 10 loans originated) are First Republic Bank (4.81%), Citibank (5.69%), UBS Bank USA (5.70%), Morgan Stanley Private Bank (5.75%) and Charles Schwab Bank, SSB (5.79%).

SANTA MARIA-SANTA BARBARA, CA Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
JPMorgan Chase Bank $317,635,000 $187,125,000 -41.1% 7.4%
UNITED WHOLESALE MORTGAGE, LLC $284,285,000 $175,660,000 -38.2% 7.0%
Citibank $81,005,000 $102,990,000 27.1% 4.1%
PNC Bank $44,175,000 $98,050,000 122.0% 3.9%
QUICKEN LOANS, LLC $175,780,000 $76,905,000 -56.2% 3.0%
Arbor Realty Trust, Inc. $74,505,000 n/a 2.9%
U.S. Bank $84,220,000 $72,330,000 -14.1% 2.9%
Bank of America $156,015,000 $68,055,000 -56.4% 2.7%
GUARANTEED RATE, INC. $106,275,000 $66,350,000 -37.6% 2.6%
Morgan Stanley Private Bank $109,745,000 $66,065,000 -39.8% 2.6%
First Republic Bank $593,780,000 $65,515,000 -89.0% 2.6%
Montecito Bank & Trust $57,400,000 $60,005,000 4.5% 2.4%
City National Bank $166,015,000 $58,440,000 -64.8% 2.3%
HOMEOWNERS FINANCIAL GROUP USA, LLC $59,400,000 $56,135,000 -5.5% 2.2%
Wells Fargo Bank $224,505,000 $49,660,000 -77.9% 2.0%
LOANDEPOT.COM, LLC $142,325,000 $48,940,000 -65.6% 1.9%
MidFirst Bank $109,380,000 $46,210,000 -57.8% 1.8%
MOVEMENT MORTGAGE, LLC $12,920,000 $43,105,000 233.6% 1.7%
CROSSCOUNTRY MORTGAGE, LLC $58,785,000 $37,975,000 -35.4% 1.5%
GUILD MORTGAGE COMPANY $68,300,000 $37,745,000 -44.7% 1.5%
FINANCE OF AMERICA REVERSE LLC $75,185,000 $35,400,000 -52.9% 1.4%
Century Mortgage Company DBA Century Lending Company $8,670,000 $30,195,000 248.3% 1.2%
CMG MORTGAGE, INC. $29,385,000 $28,240,000 -3.9% 1.1%
THE GOLDEN 1 $10,105,000 $27,800,000 175.1% 1.1%
UBS Bank USA $52,190,000 $27,670,000 -47.0% 1.1%
Banner Bank $725,000 $26,185,000 3,511.7% 1.0%
Charles Schwab Bank, SSB $63,850,000 $20,585,000 -67.8% 0.8%
COASTHILLS $33,320,000 $18,695,000 -43.9% 0.7%
Comerica Bank $19,985,000 $17,245,000 -13.7% 0.7%
SESLOC $11,270,000 $17,035,000 51.2% 0.7%
Commerce Home Mortgage, Inc. $12,645,000 $16,625,000 31.5% 0.7%
PENNYMAC LOAN SERVICES, LLC $23,000,000 $16,215,000 -29.5% 0.6%
HOMEBRIDGE FINANCIAL SERVICES, INC. $97,595,000 $15,680,000 -83.9% 0.6%
LENDINGHOME FUNDING CORPORATION $12,370,000 $15,515,000 25.4% 0.6%
CORNERSTONE HOME LENDING, INC. $48,825,000 $15,025,000 -69.2% 0.6%
S1L, Inc. $25,420,000 $14,360,000 -43.5% 0.6%
NEXERA HOLDING LLC $2,535,000 $13,895,000 448.1% 0.6%
Goldman Sachs Bank USA $25,655,000 $13,770,000 -46.3% 0.5%
First-Citizens Bank & Trust Company $24,385,000 $13,595,000 -44.2% 0.5%
Citadel Servicing Corporation $9,150,000 $13,325,000 45.6% 0.5%
American Mortgage & Equity Consultants, Inc. $12,345,000 n/a 0.5%
Community West Bank $16,620,000 $12,190,000 -26.7% 0.5%
BMO Harris Bank $865,000 $11,910,000 1,276.9% 0.5%
First Bank $15,405,000 $11,710,000 -24.0% 0.5%
Axos Bank $51,680,000 $11,185,000 -78.4% 0.4%
ENVOY MORTGAGE, LTD $25,950,000 $10,740,000 -58.6% 0.4%
Nations Lending Corporation $5,355,000 $10,490,000 95.9% 0.4%
American Riviera Bank $73,285,000 $10,470,000 -85.7% 0.4%
AMERICAN FINANCIAL NETWORK, INC. $10,215,000 n/a 0.4%
KINECTA $22,665,000 $10,090,000 -55.5% 0.4%
Magyar Bank $10,005,000 n/a 0.4%
Zions Bank $5,220,000 $9,335,000 78.8% 0.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $15,770,000 $9,190,000 -41.7% 0.4%
HSBC BANK USA, NATIONAL ASSOCIATION $7,630,000 $9,165,000 20.1% 0.4%
The Lincoln National Life Insurance Company $9,005,000 n/a 0.4%
NAVY FEDERAL CREDIT UNION $13,210,000 $8,435,000 -36.1% 0.3%
LEADERONE FINANCIAL CORPORATION $8,375,000 n/a 0.3%
Sierra Pacific Mortgage Company, Inc. $16,865,000 $8,280,000 -50.9% 0.3%
PLAZA HOME MORTGAGE, INC. $2,160,000 $8,205,000 279.9% 0.3%
Mortgage Research Center, LLC $12,175,000 $7,575,000 -37.8% 0.3%
OCMBC, INC. $4,530,000 $7,335,000 61.9% 0.3%
AMERICAN PACIFIC MORTGAGE CORPORATION $8,780,000 $7,320,000 -16.6% 0.3%
Flagstar Bank, FSB $12,040,000 $7,290,000 -39.5% 0.3%
UMB Bank $7,205,000 n/a 0.3%
Stifel Bank and Trust $24,820,000 $7,080,000 -71.5% 0.3%
Mechanics Bank $24,460,000 $6,775,000 -72.3% 0.3%
Golden Empire Mortgage, Inc. $16,515,000 $6,270,000 -62.0% 0.2%
LONGBRIDGE FINANCIAL, LLC $11,355,000 $6,090,000 -46.4% 0.2%
VELOCITY COMMERCIAL CAPITAL, LLC $10,980,000 $5,495,000 -50.0% 0.2%
Paramount Residential Mortgage Group, Inc. $20,115,000 $5,380,000 -73.3% 0.2%
COASTAL FUNDING SLC, INC. $20,515,000 $5,280,000 -74.3% 0.2%
AMWEST FUNDING CORP. $1,555,000 $5,225,000 236.0% 0.2%
Figure Lending LLC $5,680,000 $5,055,000 -11.0% 0.2%
Prosperity Home Mortgage, LLC $20,515,000 $4,880,000 -76.2% 0.2%
DRAPER AND KRAMER MORTGAGE CORP. $42,500,000 $4,850,000 -88.6% 0.2%
AUGUSTA FINANCIAL, INC. $2,535,000 $4,835,000 90.7% 0.2%
HOMEXPRESS MORTGAGE CORP. $9,440,000 $4,825,000 -48.9% 0.2%
ALLIANT CREDIT UNION $6,540,000 $4,675,000 -28.5% 0.2%
NEWREZ LLC $8,605,000 $4,660,000 -45.8% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $16,325,000 $4,515,000 -72.3% 0.2%
FREEDOM MORTGAGE CORPORATION $22,365,000 $4,360,000 -80.5% 0.2%
BROKER SOLUTIONS, INC. $10,835,000 $4,195,000 -61.3% 0.2%
A&D Mortgage LLC $3,190,000 $3,920,000 22.9% 0.2%
DIGNIFIED HOME LOANS, LLC $3,365,000 $3,780,000 12.3% 0.1%
Luther Burbank Savings $5,655,000 $3,650,000 -35.5% 0.1%
Plains Commerce Bank $395,000 $3,545,000 797.5% 0.1%
FUNDLOANS CAPITAL $3,240,000 $3,530,000 9.0% 0.1%
Tradition Capital Bank $3,505,000 n/a 0.1%
ARC HOME LLC $4,035,000 $3,455,000 -14.4% 0.1%
EVERETT FINANCIAL, INC. $6,955,000 $3,430,000 -50.7% 0.1%
Northwest Farm Credit Services, FLCA $3,420,000 n/a 0.1%
AMERICAN HERITAGE LENDING, INC. $2,330,000 $3,315,000 42.3% 0.1%
Bethpage Federal Credit Union $5,595,000 $3,315,000 -40.8% 0.1%
NATIONWIDE EQUITIES CORPORATION $1,275,000 $3,180,000 149.4% 0.1%
SCHOOLSFIRST $4,090,000 $3,150,000 -23.0% 0.1%
VAL-CHRIS INVESTMENTS, INC. $3,090,000 n/a 0.1%
VAN DYK MORTGAGE CORPORATION $605,000 $3,090,000 410.7% 0.1%
ENCORE BANK $3,005,000 n/a 0.1%
Citizens Bank $1,415,000 $2,985,000 111.0% 0.1%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $1,495,000 $2,910,000 94.6% 0.1%
Third Federal Savings and Loan Association of Cleveland $4,700,000 $2,895,000 -38.4% 0.1%
Santa Barbara Teachers Federal Credit Union $5,125,000 $2,875,000 -43.9% 0.1%
CARDINAL FINANCIAL $4,825,000 $2,765,000 -42.7% 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $22,795,000 $2,715,000 -88.1% 0.1%
5TH STREET CAPITAL, INC. $9,605,000 $2,710,000 -71.8% 0.1%
Carrington Mortgage Services, LLC $965,000 $2,675,000 177.2% 0.1%
Raymond James Bank $13,575,000 $2,630,000 -80.6% 0.1%
SPRING EQ, LLC $9,630,000 $2,610,000 -72.9% 0.1%
GEORGIA'S OWN $1,770,000 $2,535,000 43.2% 0.1%
Discover Bank $2,645,000 $2,530,000 -4.3% 0.1%
NMSI, INC. $1,690,000 $2,485,000 47.0% 0.1%
PHH Mortgage Corporation $4,005,000 $2,470,000 -38.3% 0.1%
TRIAD FINANCIAL SERVICES, INC. $800,000 $2,460,000 207.5% 0.1%
PENTAGON FEDERAL CREDIT UNION $28,950,000 $2,445,000 -91.6% 0.1%
Washington Federal Bank $2,445,000 n/a 0.1%
SUN WEST MORTGAGE COMPANY, INC. $5,960,000 $2,395,000 -59.8% 0.1%
USAA Federal Savings Bank $3,450,000 $2,370,000 -31.3% 0.1%
BAY EQUITY LLC $3,755,000 $2,345,000 -37.5% 0.1%
BRIDGELOCK CAPITAL $225,000 $2,345,000 942.2% 0.1%
LENDSURE MORTGAGE CORP. $9,485,000 $2,345,000 -75.3% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $2,460,000 $2,330,000 -5.3% 0.1%
Utah Mortgage Loan Corporation $3,735,000 $2,290,000 -38.7% 0.1%
FIRST COMMUNITY MORTGAGE, INC. $305,000 $2,285,000 649.2% 0.1%
Farmers and Merchants Bank of Long Beach $33,215,000 $2,255,000 -93.2% 0.1%
AMERISAVE MORTGAGE CORPORATION $12,220,000 $2,200,000 -82.0% 0.1%
CHURCHILL MORTGAGE CORPORATION $1,200,000 $2,180,000 81.7% 0.1%
East West Bank $2,105,000 n/a 0.1%
Fremont Bank $21,060,000 $2,040,000 -90.3% 0.1%
BNY Mellon $3,960,000 $2,005,000 -49.4% 0.1%
CIBC Bank USA $14,595,000 $2,005,000 -86.3% 0.1%
The Huntington National Bank $1,315,000 $2,005,000 52.5% 0.1%
GENEVA FINANCIAL, LLC $8,030,000 $1,960,000 -75.6% 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $1,585,000 $1,955,000 23.3% 0.1%
ADVANCIAL $2,090,000 $1,950,000 -6.7% 0.1%
NP, Inc. $505,000 $1,915,000 279.2% 0.1%
SUMMIT MORTGAGE BANKERS INC. $1,905,000 n/a 0.1%
M&T Bank $5,395,000 $1,860,000 -65.5% 0.1%
Logan Finance Corporation $2,145,000 $1,820,000 -15.2% 0.1%
21ST MORTGAGE CORPORATION $900,000 $1,760,000 95.6% 0.1%
Bank of the West $78,210,000 $1,760,000 -97.7% 0.1%
Mr. Cooper ( Nationstar Mortgage ) $25,515,000 $1,700,000 -93.3% 0.1%
BM Real Estate Services, Inc. $1,285,000 $1,625,000 26.5% 0.1%
LANTZMAN MANAGEMENT, INC. $895,000 $1,620,000 81.0% 0.1%
Greenbox Loans, Inc. $2,475,000 $1,575,000 -36.4% 0.1%
BECKAM FUNDING CORP. $2,120,000 $1,565,000 -26.2% 0.1%
Boeing Employees Credit Union $95,000 $1,550,000 1,531.6% 0.1%
Hometown Equity Mortgage, LLC $4,280,000 $1,540,000 -64.0% 0.1%
Tri Counties Bank $105,000 $1,505,000 1,333.3% 0.1%
CENTRAL COAST LENDING, INC. $4,725,000 $1,495,000 -68.4% 0.1%
KD CAPITAL MORTGAGE CORPORATION $2,855,000 $1,450,000 -49.2% 0.1%
AMERITRUST MORTGAGE CORPORATION $1,440,000 n/a 0.1%
VENTURA COUNTY $105,000 $1,435,000 1,266.7% 0.1%
ALAMEDA MORTGAGE CORPORATION $245,000 $1,420,000 479.6% 0.1%
NuVision Federal Credit Union $680,000 $1,410,000 107.4% 0.1%
PLANET HOME LENDING, LLC $2,630,000 $1,405,000 -46.6% 0.1%
RESIDENTIAL BANCORP $3,180,000 $1,390,000 -56.3% 0.1%
Performance Financial, Inc. $1,375,000 n/a 0.1%
Farmers Bank & Trust $1,350,000 n/a 0.1%
Firefighters First Federal Credit Union $2,435,000 $1,350,000 -44.6% 0.1%
Coastal Community Bank $1,320,000 n/a 0.1%
OAKTREE FUNDING CORP. $1,135,000 $1,315,000 15.9% 0.1%
PREMIER AMERICA $26,070,000 $1,310,000 -95.0% 0.1%
DEL SUR CORPORATION $9,720,000 $1,275,000 -86.9% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $7,850,000 $1,260,000 -83.9% 0.0%
Luxury Mortgage Corp. $3,740,000 $1,255,000 -66.4% 0.0%
Cathay Bank $1,240,000 n/a 0.0%
CLEARPATH LENDING $1,415,000 $1,240,000 -12.4% 0.0%
The Loan Store, Inc. $1,235,000 n/a 0.0%
ANGEL OAK HOME LOANS LLC $1,225,000 n/a 0.0%
The Federal Savings Bank $3,890,000 $1,205,000 -69.0% 0.0%
Equity Prime Mortgage LLC $3,005,000 $1,180,000 -60.7% 0.0%
Allstar Financial Services, Inc $1,175,000 n/a 0.0%
F&A Federal Credit Union $1,510,000 $1,140,000 -24.5% 0.0%
KEYPOINT $8,635,000 $1,140,000 -86.8% 0.0%
LOGIX FEDERAL CREDIT UNION $16,840,000 $1,140,000 -93.2% 0.0%
FIRST ENTERTAINMENT $1,125,000 $1,130,000 0.4% 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $1,535,000 $1,130,000 -26.4% 0.0%
WESCOM CENTRAL CREDIT UNION $4,270,000 $1,125,000 -73.7% 0.0%
CHEVRON $2,545,000 $1,110,000 -56.4% 0.0%
STANFORD Federal Credit Union $765,000 $1,070,000 39.9% 0.0%
ZILLOW HOME LOANS, LLC $2,245,000 $1,070,000 -52.3% 0.0%
AmeriHome Mortgage Company, LLC $7,070,000 $1,040,000 -85.3% 0.0%
LAND HOME FINANCIAL SERVICES, INC. $780,000 $1,035,000 32.7% 0.0%
NATIONS DIRECT MORTGAGE, LLC $2,290,000 $1,015,000 -55.7% 0.0%
Merchants Mortgage & Trust Corporation $4,865,000 $1,005,000 -79.3% 0.0%
MACKILLIE INCORPORATED $705,000 $990,000 40.4% 0.0%
DEEPHAVEN MORTGAGE LLC $3,020,000 $985,000 -67.4% 0.0%
MICHIGAN MUTUAL, INC. $940,000 n/a 0.0%
HomeTrust Bank $965,000 $925,000 -4.1% 0.0%
CUSTOMER SERVICE MORTGAGE CORPORATION $850,000 $920,000 8.2% 0.0%
RESIDENTIAL WHOLESALE MORTGAGE, INC. $2,365,000 $920,000 -61.1% 0.0%
ACADEMY MORTGAGE CORPORATION $915,000 n/a 0.0%
FOUNDATION MORTGAGE CORPORATION $905,000 n/a 0.0%
The Northern Trust Company $27,075,000 $905,000 -96.7% 0.0%
Alaska USA Federal Credit Union $290,000 $890,000 206.9% 0.0%
LADERA LENDING, INC. $1,570,000 $875,000 -44.3% 0.0%
Fifth Third Bank $2,805,000 $855,000 -69.5% 0.0%
NBKC BANK $6,445,000 $810,000 -87.4% 0.0%
CALIFORNIA CREDIT UNION $1,280,000 $800,000 -37.5% 0.0%
Franklin Loan Corporation $1,390,000 $720,000 -48.2% 0.0%
UNION HOME MORTGAGE CORP. $715,000 n/a 0.0%
GUARANTEED RATE AFFINITY, LLC $1,755,000 $705,000 -59.8% 0.0%
MASON MCDUFFIE MORTGAGE CORPORATION $2,655,000 $705,000 -73.4% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $545,000 $690,000 26.6% 0.0%
CALCON MUTUAL MORTGAGE LLC $1,705,000 $685,000 -59.8% 0.0%
SAN FRANCISCO FIRE CREDIT UNION $1,285,000 $680,000 -47.1% 0.0%
KeyBank $19,040,000 $675,000 -96.5% 0.0%
LIBERTY HOME MORTGAGE CORPORATION $660,000 n/a 0.0%
FIRST CENTENNIAL MORTGAGE CORPORATION $655,000 n/a 0.0%
HOMESIDE FINANCIAL, LLC $2,105,000 $635,000 -69.8% 0.0%
City National Bank of Florida $625,000 n/a 0.0%
Toyota Financial Savings Bank $625,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $7,135,000 $605,000 -91.5% 0.0%
Union Savings Bank $2,010,000 $605,000 -69.9% 0.0%
BETTER MORTGAGE CORPORATION $9,315,000 $575,000 -93.8% 0.0%
CERTIFIED $575,000 n/a 0.0%
GREAT LAKES $1,425,000 $575,000 -59.6% 0.0%
Lakeview Community Capital, LLC $2,015,000 $575,000 -71.5% 0.0%
California Coast Credit Union $505,000 $565,000 11.9% 0.0%
WINGS FINANCIAL $560,000 n/a 0.0%
United Fidelity Funding Corp. $555,000 n/a 0.0%
EQUITY WAVE LENDING, INC. $465,000 $550,000 18.3% 0.0%
Magnolia Bank $775,000 $535,000 -31.0% 0.0%
SILVER HILL FUNDING, LLC $565,000 $525,000 -7.1% 0.0%
GTE Federal Credit Union $810,000 $520,000 -35.8% 0.0%
HighTechLending Inc $3,625,000 $505,000 -86.1% 0.0%
MLD MORTGAGE INC. $2,285,000 $505,000 -77.9% 0.0%
SUN AMERICAN MORTGAGE COMPANY $505,000 n/a 0.0%
VICTORIA FINANCIAL CORP. $495,000 n/a 0.0%
Wallick & Volk, Inc. $495,000 n/a 0.0%
COMMUNITY MORTGAGE FUNDING, LLC $480,000 n/a 0.0%
LAKEVIEW LOAN SERVICING, LLC $2,730,000 $475,000 -82.6% 0.0%
REDWOOD $475,000 n/a 0.0%
Advisors Mortgage Group, L.L.C. $1,375,000 $460,000 -66.5% 0.0%
MEGASTAR FINANCIAL CORP. $455,000 n/a 0.0%
OPEN MORTGAGE, LLC $1,125,000 $455,000 -59.6% 0.0%
State Department Federal Credit Union $455,000 n/a 0.0%
Los Angeles Federal Credit Union $435,000 n/a 0.0%
PANORAMA MORTGAGE GROUP, LLC $435,000 n/a 0.0%
North American Savings Bank, F.S.B. $425,000 $425,000 0.0% 0.0%
LOANPAL, LLC $1,760,000 $420,000 -76.1% 0.0%
1ST UNITED SERVICES CREDIT UNION $410,000 n/a 0.0%
FIRST TECHNOLOGY $1,685,000 $405,000 -76.0% 0.0%
MEMBER FIRST MORTGAGE, LLC $1,065,000 $405,000 -62.0% 0.0%
Self-Help Federal Credit Union $405,000 n/a 0.0%
SOUTHLAND CREDIT UNION $760,000 $405,000 -46.7% 0.0%
NEW WAVE LENDING GROUP INC $1,265,000 $395,000 -68.8% 0.0%
ST FIN CORP $455,000 $395,000 -13.2% 0.0%
POINT Mortgage $385,000 n/a 0.0%
CBC Federal Credit Union $65,000 $365,000 461.5% 0.0%
ISERVE RESIDENTIAL LENDING, LLC $335,000 n/a 0.0%
Royal Business Bank $5,885,000 $335,000 -94.3% 0.0%
BAY-VALLEY MORTGAGE GROUP $305,000 n/a 0.0%
Murphy Bank $1,250,000 $305,000 -75.6% 0.0%
PARTNERS $305,000 n/a 0.0%
RBC Bank, (Georgia) $405,000 $305,000 -24.7% 0.0%
Deere Employees Credit Union $530,000 $300,000 -43.4% 0.0%
Umpqua Bank $9,865,000 $295,000 -97.0% 0.0%
AXIA FINANCIAL, LLC $720,000 $285,000 -60.4% 0.0%
MK LENDING CORP. $215,000 $265,000 23.3% 0.0%
GOOGAIN, INC. $1,760,000 $255,000 -85.5% 0.0%
PATELCO $300,000 $230,000 -23.3% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $645,000 $225,000 -65.1% 0.0%
Truist $575,000 $225,000 -60.9% 0.0%
NORTHROP GRUMMAN Federal Credit Union $225,000 $205,000 -8.9% 0.0%
PACIFIC SERVICE $980,000 $205,000 -79.1% 0.0%
Provident Credit Union $205,000 n/a 0.0%
UNCLE Credit Union $195,000 n/a 0.0%
TOP FLITE FINANCIAL, INC. $795,000 $185,000 -76.7% 0.0%
PARTNERS UNITED FINANCIAL, LLC $175,000 n/a 0.0%
Financial Partners Credit Union $2,075,000 $160,000 -92.3% 0.0%
NETWORK CAPITAL FUNDING CORPORATION $1,985,000 $160,000 -91.9% 0.0%
SANDIA LABORATORY $155,000 n/a 0.0%
TOWER $155,000 n/a 0.0%
ALTITUDE FINANCIAL CORPORATION $135,000 n/a 0.0%
Residential Mortgage Solutions, Inc. $165,000 $135,000 -18.2% 0.0%
VA Desert Pacific FCU $135,000 n/a 0.0%
ROYAL UNITED MORTGAGE LLC $65,000 $125,000 92.3% 0.0%
INTELLILOAN, INC. $410,000 $115,000 -72.0% 0.0%
Residential First Mortgage $105,000 n/a 0.0%
STAR ONE CREDIT UNION $1,215,000 $105,000 -91.4% 0.0%
THE FIRST FINANCIAL Federal Credit Union $255,000 $105,000 -58.8% 0.0%
USC Credit Union $105,000 n/a 0.0%
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION $105,000 n/a 0.0%
Credit Union of Southern California $250,000 $95,000 -62.0% 0.0%
Operating Engineers Local Union #3 $95,000 n/a 0.0%
CIS Financial Services, Inc. $85,000 n/a 0.0%
Bank-Fund Staff Federal Credit Union $75,000 n/a 0.0%
Baxter Credit Union $1,305,000 $65,000 -95.0% 0.0%
Northpointe Bank $5,380,000 $55,000 -99.0% 0.0%
UNIFY FINANCIAL Credit Union $55,000 n/a 0.0%
SCE FEDERAL CREDIT UNION $35,000 n/a 0.0%

SANTA MARIA - SANTA BARBARA's top lender by overall market share is JPMorgan Chase Bank, with 7.4% market share. In second place, with 7.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $175,660,000 in loans. In third place, with 4.1%, is Citibank, having originated $102,990,000 in loans. In fourth place, with 3.9%, is PNC Bank, having originated $98,050,000 in loans. In fifth place, with 3.0%, is QUICKEN LOANS, LLC, having originated $76,905,000 in loans.


SANTA MARIA - SANTA BARBARA Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - SANTA MARIA - SANTA BARBARA (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $993,000 (-9.3%) $3,110,227 (3.8%) 3.68 749
2018-02-01 $1,088,750 (0.5%) $3,110,107 (2.0%) 3.95 784
2018-03-01 $999,000 (-10.7%) $2,883,456 (-8.3%) 3.51 849
2018-04-01 $1,049,250 (-12.4%) $2,705,619 (-15.9%) 3.56 944
2018-05-01 $1,043,000 (-11.7%) $2,580,283 (-17.2%) 3.48 1,031
2018-06-01 $1,049,000 (-6.8%) $2,466,002 (-21.0%) 3.50 1,100
2018-07-01 $1,088,000 (-3.3%) $2,477,554 (-20.3%) 3.63 1,142
2018-08-01 $997,748 (-1.2%) $2,402,452 (-21.3%) 3.34 1,158
2018-09-01 $995,000 (-0.5%) $2,424,501 (-22.5%) 3.34 1,149
2018-10-01 $995,000 (-9.1%) $2,449,067 (-22.2%) 3.37 1,113
2018-11-01 $986,500 (-7.7%) $2,483,975 (-22.5%) 3.34 1,113
2018-12-01 $975,000 (-2.4%) $2,576,667 (-22.0%) 3.36 1,012
2019-01-01 $957,500 (-3.6%) $2,522,925 (-18.9%) 3.31 956
2019-02-01 $944,500 (-13.3%) $2,556,480 (-17.8%) 3.19 895
2019-03-01 $1,029,286 (3.0%) $2,762,751 (-4.2%) 3.37 918
2019-04-01 $1,100,000 (4.8%) $2,782,906 (2.9%) 3.49 974
2019-05-01 $1,149,500 (10.2%) $2,815,965 (9.1%) 3.59 1,043
2019-06-01 $1,175,000 (12.0%) $2,907,853 (17.9%) 3.67 1,051
2019-07-01 $1,244,950 (14.4%) $2,920,288 (17.9%) 3.90 1,058
2019-08-01 $1,231,364 (23.4%) $3,024,719 (25.9%) 3.90 1,026
2019-09-01 $1,255,909 (26.2%) $3,114,258 (28.5%) 4.02 995
2019-10-01 $1,272,273 (27.9%) $3,157,820 (28.9%) 4.10 970
2019-11-01 $1,349,450 (36.8%) $3,257,299 (31.1%) 4.42 904
2019-12-01 $1,338,500 (37.3%) $3,435,683 (33.3%) 4.46 763
2020-01-01 $1,387,500 (44.9%) $3,566,971 (41.4%) 4.64 678
2020-02-01 $1,495,000 (58.3%) $3,671,847 (43.6%) 4.89 678
2020-03-01 $1,578,000 (53.3%) $3,635,533 (31.6%) 4.95 705
2020-04-01 $1,397,750 (27.1%) $3,317,297 (19.2%) 4.38 711
2020-05-01 $1,350,000 (17.4%) $3,170,821 (12.6%) 4.10 766
2020-06-01 $1,485,000 (26.4%) $3,331,976 (14.6%) 4.37 727
2020-07-01 $1,580,000 (26.9%) $3,564,307 (22.1%) 4.58 652
2020-08-01 $1,735,000 (40.9%) $3,840,069 (27.0%) 4.97 612
2020-09-01 $1,875,000 (49.3%) $4,151,481 (33.3%) 5.37 560
2020-10-01 $1,811,750 (42.4%) $4,130,227 (30.8%) 5.19 515
2020-11-01 $1,811,750 (34.3%) $4,379,570 (34.5%) 5.30 461
2020-12-01 $1,828,750 (36.6%) $4,508,722 (31.2%) 5.44 406
2021-01-01 $1,875,000 (35.1%) $4,767,634 (33.7%) 5.60 343
2021-02-01 $1,597,500 (6.9%) $4,409,100 (20.1%) 4.65 336
2021-03-01 $1,680,000 (6.5%) $5,031,699 (38.4%) 4.77 310
2021-04-01 $1,523,000 (9.0%) $4,628,793 (39.5%) 4.12 301
2021-05-01 $1,395,000 (3.3%) $4,535,119 (43.0%) 3.71 295
2021-06-01 $1,297,250 (-12.6%) $4,418,558 (32.6%) 3.41 342
2021-07-01 $1,200,000 (-24.1%) $4,532,433 (27.2%) 3.17 347
2021-08-01 $1,196,000 (-31.1%) $5,126,322 (33.5%) 3.19 333
2021-09-01 $1,326,000 (-29.3%) $5,071,788 (22.2%) 3.54 323
2021-10-01 $1,270,000 (-29.9%) $5,572,701 (34.9%) 3.39 302
2021-11-01 $1,313,500 (-27.5%) $5,674,530 (29.6%) 3.51 274
2021-12-01 $1,292,500 (-29.3%) $5,583,833 (23.9%) 3.50 256
2022-01-01 $1,330,000 (-29.1%) $5,791,123 (21.5%) 3.60 222
2022-02-01 $1,474,750 (-7.7%) $5,289,702 (20.0%) 3.84 206
2022-03-01 $1,347,500 (-19.8%) $5,602,950 (11.4%) 3.37 228
2022-04-01 $1,399,000 (-8.1%) $5,518,577 (19.2%) 3.33 245
2022-05-01 $1,434,750 (2.9%) $5,112,663 (12.7%) 3.28 312
2022-06-01 $1,372,500 (5.8%) $4,982,731 (12.8%) 3.06 364
2022-07-01 $1,200,000 (0.0%) $4,231,033 (-6.7%) 2.70 492
2022-08-01 $1,269,250 (6.1%) $4,402,294 (-14.1%) 2.93 489
2022-09-01 $1,255,750 (-5.3%) $4,142,134 (-18.3%) 2.94 462
2022-10-01 $1,150,000 (-9.5%) $3,782,690 (-32.1%) 2.71 439
2022-11-01 $1,272,500 (-3.1%) $3,617,961 (-36.2%) 3.06 411
2022-12-01 $1,212,000 (-6.2%) $3,719,362 (-33.4%) 2.99 345
2023-01-01 $1,249,750 (-6.0%) $3,731,296 (-35.6%) 3.10 284
2023-02-01 $1,343,750 (-8.9%) $3,922,010 (-25.9%) 3.24 283
2023-03-01 $1,513,250 (12.3%) $4,347,494 (-22.4%) 3.57 261
2023-04-01 $1,895,000 (35.5%) $4,548,802 (-17.6%) 4.41 247
2023-05-01 $2,017,500 (40.6%) $4,808,097 (-6.0%) 4.57 267
2023-06-01 $2,118,500 (54.4%) $4,844,621 (-2.8%) 4.76 287
2023-07-01 $1,996,000 (66.3%) $4,877,749 (15.3%) 4.54 355
2023-08-01 $1,960,000 (54.4%) $4,699,293 (6.8%) 4.50 371
2023-09-01 $1,895,000 (50.9%) $4,734,365 (14.3%) 4.41 402
2023-10-01 $1,902,500 (65.4%) $5,124,111 (35.5%) 4.48 410
2023-11-01 $1,822,500 (43.2%) $5,245,227 (45.0%) 4.34 425
2023-12-01 $1,795,000 (48.1%) $5,360,959 (44.1%) 4.38 393
2024-01-01 $1,749,500 (40.0%) $5,009,413 (34.3%) 4.27 380
2024-02-01 $1,779,750 (32.5%) $4,981,103 (27.0%) 4.28 372
2024-03-01 $1,950,000 (28.9%) $4,850,374 (11.6%) 4.59 403
2024-04-01 $1,899,500 (0.2%) $4,439,844 (-2.4%) 4.42 467
2024-05-01 $2,111,750 (4.7%) $5,028,834 (4.6%) 4.77 492
SANTA MARIA - SANTA BARBARA's median listing price for 2024-05-01 was $2,111,750, a difference of $94,250 (4.7%) versus the prior year and $212,250 versus the prior month.

SANTA MARIA - SANTA BARBARA's median listing price comes in at 477% of the national average.

SANTA MARIA - SANTA BARBARA's average listing price for 2024-05-01 was $5,028,834, a difference of $220,737 (4.6%) versus the prior year and $588,990 versus the prior month.

For the 2024-05-01 period, SANTA MARIA - SANTA BARBARA had 492 MLS listings, a difference of 25 listings (5%) versus the prior month and 225 listings (84%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - SANTA MARIA - SANTA BARBARA (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 87 days 2,103 sqft
2018-02-01 65 days 2,125 sqft
2018-03-01 46 days 2,087 sqft
2018-04-01 46 days 2,092 sqft
2018-05-01 46 days 2,051 sqft
2018-06-01 52 days 2,041 sqft
2018-07-01 55 days 2,021 sqft
2018-08-01 60 days 2,000 sqft
2018-09-01 64 days 2,000 sqft
2018-10-01 69 days 1,995 sqft
2018-11-01 69 days 1,994 sqft
2018-12-01 82 days 2,015 sqft
2019-01-01 87 days 2,034 sqft
2019-02-01 84 days 2,037 sqft
2019-03-01 70 days 2,044 sqft
2019-04-01 53 days 2,059 sqft
2019-05-01 51 days 2,084 sqft
2019-06-01 57 days 2,113 sqft
2019-07-01 66 days 2,169 sqft
2019-08-01 68 days 2,191 sqft
2019-09-01 69 days 2,229 sqft
2019-10-01 70 days 2,252 sqft
2019-11-01 73 days 2,281 sqft
2019-12-01 84 days 2,293 sqft
2020-01-01 90 days 2,320 sqft
2020-02-01 82 days 2,361 sqft
2020-03-01 55 days 2,369 sqft
2020-04-01 61 days 2,207 sqft
2020-05-01 64 days 2,238 sqft
2020-06-01 53 days 2,268 sqft
2020-07-01 57 days 2,284 sqft
2020-08-01 46 days 2,287 sqft
2020-09-01 46 days 2,352 sqft
2020-10-01 50 days 2,347 sqft
2020-11-01 53 days 2,392 sqft
2020-12-01 61 days 2,341 sqft
2021-01-01 60 days 2,203 sqft
2021-02-01 38 days 1,994 sqft
2021-03-01 31 days 2,097 sqft
2021-04-01 27 days 2,075 sqft
2021-05-01 25 days 2,010 sqft
2021-06-01 22 days 1,937 sqft
2021-07-01 31 days 1,949 sqft
2021-08-01 31 days 2,048 sqft
2021-09-01 31 days 1,980 sqft
2021-10-01 34 days 2,020 sqft
2021-11-01 31 days 2,131 sqft
2021-12-01 39 days 2,122 sqft
2022-01-01 43 days 1,988 sqft
2022-02-01 27 days 2,054 sqft
2022-03-01 20 days 1,989 sqft
2022-04-01 22 days 2,000 sqft
2022-05-01 25 days 2,001 sqft
2022-06-01 29 days 1,988 sqft
2022-07-01 29 days 1,955 sqft
2022-08-01 40 days 1,968 sqft
2022-09-01 48 days 1,973 sqft
2022-10-01 52 days 1,930 sqft
2022-11-01 55 days 1,909 sqft
2022-12-01 66 days 1,922 sqft
2023-01-01 73 days 2,048 sqft
2023-02-01 43 days 2,024 sqft
2023-03-01 42 days 2,003 sqft
2023-04-01 40 days 2,132 sqft
2023-05-01 33 days 2,272 sqft
2023-06-01 34 days 2,238 sqft
2023-07-01 32 days 2,197 sqft
2023-08-01 39 days 2,200 sqft
2023-09-01 46 days 2,183 sqft
2023-10-01 46 days 2,254 sqft
2023-11-01 48 days 2,237 sqft
2023-12-01 52 days 2,168 sqft
2024-01-01 65 days 2,106 sqft
2024-02-01 56 days 2,116 sqft
2024-03-01 47 days 2,072 sqft
2024-04-01 41 days 2,024 sqft
2024-05-01 42 days 2,116 sqft
SANTA MARIA - SANTA BARBARA's median listing age (time on market) for 2024-05-01 was 42 days. This is 28% longer than the same period one year ago.

SANTA MARIA - SANTA BARBARA's median square footage for active listings during the 2024-05-01 period was 2,116 sqft. One year prior, the average listing was 2,272 sqft.

SANTA MARIA-SANTA BARBARA, CA Average Rent (2023)

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For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
93001 Santa Maria-Santa Barbara, CA MSA $1,690 $1,950 $2,320 $3,220 $3,790
93013 Santa Maria-Santa Barbara, CA MSA $2,390 $2,750 $3,120 $4,120 $4,680
93014 Santa Maria-Santa Barbara, CA MSA $2,040 $2,350 $2,670 $3,520 $4,010
93067 Santa Maria-Santa Barbara, CA MSA $2,860 $3,300 $3,740 $4,940 $5,610
93101 Santa Maria-Santa Barbara, CA MSA $2,630 $3,030 $3,440 $4,540 $5,160
93102 Santa Maria-Santa Barbara, CA MSA $2,040 $2,350 $2,670 $3,520 $4,010
93103 Santa Maria-Santa Barbara, CA MSA $2,460 $2,830 $3,210 $4,240 $4,820
93105 Santa Maria-Santa Barbara, CA MSA $2,340 $2,700 $3,060 $4,040 $4,590
93106 Santa Maria-Santa Barbara, CA MSA $2,040 $2,350 $2,670 $3,520 $4,010
93108 Santa Maria-Santa Barbara, CA MSA $3,030 $3,490 $3,960 $5,230 $5,940
93109 Santa Maria-Santa Barbara, CA MSA $2,560 $2,950 $3,350 $4,420 $5,030
93110 Santa Maria-Santa Barbara, CA MSA $2,390 $2,760 $3,130 $4,130 $4,700
93111 Santa Maria-Santa Barbara, CA MSA $2,810 $3,230 $3,670 $4,840 $5,510
93116 Santa Maria-Santa Barbara, CA MSA $2,040 $2,350 $2,670 $3,520 $4,010
93117 Santa Maria-Santa Barbara, CA MSA $2,430 $2,800 $3,180 $4,200 $4,770
93118 Santa Maria-Santa Barbara, CA MSA $2,040 $2,350 $2,670 $3,520 $4,010
93120 Santa Maria-Santa Barbara, CA MSA $2,040 $2,350 $2,670 $3,520 $4,010
93121 Santa Maria-Santa Barbara, CA MSA $2,040 $2,350 $2,670 $3,520 $4,010
93130 Santa Maria-Santa Barbara, CA MSA $2,040 $2,350 $2,670 $3,520 $4,010
93140 Santa Maria-Santa Barbara, CA MSA $2,040 $2,350 $2,670 $3,520 $4,010
93150 Santa Maria-Santa Barbara, CA MSA $2,040 $2,350 $2,670 $3,520 $4,010
93160 Santa Maria-Santa Barbara, CA MSA $2,040 $2,350 $2,670 $3,520 $4,010
93190 Santa Maria-Santa Barbara, CA MSA $2,040 $2,350 $2,670 $3,520 $4,010
93199 Santa Maria-Santa Barbara, CA MSA $2,040 $2,350 $2,670 $3,520 $4,010
93252 Santa Maria-Santa Barbara, CA MSA $1,690 $1,950 $2,270 $2,990 $3,420
93254 Santa Maria-Santa Barbara, CA MSA $1,690 $1,950 $2,270 $2,990 $3,420
93427 Santa Maria-Santa Barbara, CA MSA $2,090 $2,410 $2,730 $3,600 $4,100
93429 Santa Maria-Santa Barbara, CA MSA $1,870 $2,160 $2,450 $3,230 $3,680
93434 Santa Maria-Santa Barbara, CA MSA $1,690 $1,950 $2,270 $2,990 $3,420
93436 Santa Maria-Santa Barbara, CA MSA $1,690 $1,950 $2,270 $2,990 $3,420
93437 Santa Maria-Santa Barbara, CA MSA $2,360 $2,710 $3,080 $4,060 $4,620
93438 Santa Maria-Santa Barbara, CA MSA $2,040 $2,350 $2,670 $3,520 $4,010
93440 Santa Maria-Santa Barbara, CA MSA $1,880 $2,160 $2,460 $3,240 $3,690
93441 Santa Maria-Santa Barbara, CA MSA $2,570 $2,960 $3,360 $4,430 $5,040
93454 Santa Maria-Santa Barbara, CA MSA $1,810 $2,080 $2,360 $3,120 $3,550
93455 Santa Maria-Santa Barbara, CA MSA $2,200 $2,530 $2,870 $3,790 $4,310
93456 Santa Maria-Santa Barbara, CA MSA $2,040 $2,350 $2,670 $3,520 $4,010
93457 Santa Maria-Santa Barbara, CA MSA $2,040 $2,350 $2,670 $3,520 $4,010
93458 Santa Maria-Santa Barbara, CA MSA $1,760 $2,030 $2,300 $3,040 $3,450
93460 Santa Maria-Santa Barbara, CA MSA $2,100 $2,410 $2,740 $3,620 $4,110
93463 Santa Maria-Santa Barbara, CA MSA $1,870 $2,160 $2,450 $3,230 $3,680
93464 Santa Maria-Santa Barbara, CA MSA $2,040 $2,350 $2,670 $3,520 $4,010

2022 Average & Median Rent Data Statistics
SANTA MARIA-SANTA BARBARA, CA average 1BR rent: $2,456, median: $2,350
SANTA MARIA-SANTA BARBARA, CA average 2BR rent: $2,796, median: $2,670
SANTA MARIA-SANTA BARBARA, CA average 3BR rent: $3,692, median: $3,520

SANTA MARIA-SANTA BARBARA, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,844 $1,501,960,000 $814,512
Cash Out Refi 695 $327,485,000 $471,201
Home Improvement 447 $89,745,000 $200,772
Other 412 $327,660,000 $795,291
Refi 320 $278,670,000 $870,844
NA 2 $770,000 $385,000

Santa Maria - Santa Barbara's most frequently cited loan purpose was Home Purchase, with 1,844 originations. The 2nd most popular reason was Cash Out Refi, with 695 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 1,100 $790,380,000 $718,527
Over 8% 958 $339,080,000 $353,946
7-8% 777 $468,215,000 $602,593
5-6% 614 $671,140,000 $1,093,062
4-5% 85 $132,785,000 $1,562,176
<2.5% 16 $650,000 $40,625
3-4% 9 $14,285,000 $1,587,222
2.5-3% 2 $700,000 $350,000

During 2023, Santa Maria - Santa Barbara's most frequently originated rate bucket was 6-7%, with 1,100 originations.

Loan Sizing (SANTA MARIA-SANTA BARBARA, CA MSA)

Loan Size Originations Total Value Average Loan
$400k-600k 831 $410,755,000 $494,290
$200k-400k 754 $222,380,000 $294,934
$600k-1000k 611 $457,005,000 $747,962
$100k-200k 529 $72,235,000 $136,550
$Over $1MM 506 $1,334,640,000 $2,637,628
$100,000 or less 489 $29,275,000 $59,867

SANTA MARIA - SANTA BARBARA's loan sizing saw the bucket of loans from $400k-600k with 831 originations, totaling $410,755,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
Under 20% 985 $163,885,000 $166,381
80-100% 832 $531,810,000 $639,195
60-80% 745 $914,885,000 $1,228,034
20-40% 503 $294,115,000 $584,722
40-60% 447 $472,895,000 $1,057,931
Over 100% 32 $28,890,000 $902,813

SANTA MARIA - SANTA BARBARA's loan sizing saw loans grouped in the Under 20% Loan-to-value bucket with 985 originations, totaling $163,885,000 in origination value.