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
6.84%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.74% and
one month ago for the week of 2025-05-29, the
average rate was 6.86%.
Santa Maria - Santa Barbara's average rate one year ago was 6.93%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.98%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Santa Maria - Santa Barbara 30 Year Fixed Rate | 2025-07-03 | 6.84% |
| Santa Maria - Santa Barbara 30 Year Fixed Rate Refi | 2025-07-03 | 6.98% |
| Santa Maria - Santa Barbara 15 Year Fixed Rate | 2025-07-03 | 5.6% |
| Santa Maria - Santa Barbara 15 Year Fixed Rate Refi | 2025-07-03 | 5.7% |
| Santa Maria - Santa Barbara 30 Year FHA | 2025-07-03 | -0.21% |
| Santa Maria - Santa Barbara 30 Year FHA Refi | 2025-07-03 | 0.1% |
| Santa Maria - Santa Barbara 30 Year USDA | 2025-07-03 | -0.2% |
| Santa Maria - Santa Barbara 30 Year USDA Refi | 2025-07-03 | 0% |
| Santa Maria - Santa Barbara 30 Year VA | 2025-07-03 | 0.1% |
| Santa Maria - Santa Barbara 30 Year VA Refi | 2025-07-03 | -0.2% |
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.).
SANTA MARIA - SANTA BARBARA Average Closing Costs & Other Stats
SANTA MARIA-SANTA BARBARA, CA's 172 lenders originated 4,493
loans during 2024. The total origination value was $2,893,255,000, with an average loan value of
$643,947.
SANTA MARIA - SANTA BARBARA's average closing costs are $6,704.
The top SANTA MARIA - SANTA BARBARA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
220 loans originated. Their average total fees are
$11,046, which is $1,589
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee SANTA MARIA - SANTA BARBARA lenders (with over 10 loans originated) are
Charles Schwab Bank, SSB ($3,802), FIRST COLONY MORTGAGE CORPORATION ($4,385), COASTHILLS ($4,795), Morgan Stanley Private Bank ($5,751) and UBS Bank USA ($5,843).
The lowest rate SANTA MARIA - SANTA BARBARA lenders (with over 10 loans originated) are
Morgan Stanley Private Bank (5.78%), Charles Schwab Bank, SSB (5.89%), Wells Fargo Bank (6.00%), Bank of America (6.05%) and COASTHILLS (6.10%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $175,660,000 | $270,690,000 | 54.1% | 9.4% |
| JPMorgan Chase Bank | $187,125,000 | $176,080,000 | -5.9% | 6.1% |
| U.S. Bank | $72,330,000 | $141,330,000 | 95.4% | 4.9% |
| GUARANTEED RATE, INC. | $66,350,000 | $137,155,000 | 106.7% | 4.7% |
| Bank of America | $68,055,000 | $106,280,000 | 56.2% | 3.7% |
| QUICKEN LOANS, LLC | $76,905,000 | $90,630,000 | 17.8% | 3.1% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $56,135,000 | $86,005,000 | 53.2% | 3.0% |
| Morgan Stanley Private Bank | $66,065,000 | $77,015,000 | 16.6% | 2.7% |
| LOANDEPOT.COM, LLC | $48,940,000 | $71,235,000 | 45.6% | 2.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $37,975,000 | $64,925,000 | 71.0% | 2.2% |
| MOVEMENT MORTGAGE, LLC | $43,105,000 | $62,355,000 | 44.7% | 2.2% |
| Citibank | $102,990,000 | $52,845,000 | -48.7% | 1.8% |
| Wells Fargo Bank | $49,660,000 | $51,645,000 | 4.0% | 1.8% |
| CMG MORTGAGE, INC. | $28,240,000 | $49,925,000 | 76.8% | 1.7% |
| Century Mortgage Company DBA Century Lending Company | $30,195,000 | $45,815,000 | 51.7% | 1.6% |
| GUILD MORTGAGE COMPANY | $37,745,000 | $45,050,000 | 19.4% | 1.6% |
| FINANCE OF AMERICA REVERSE LLC | $35,400,000 | $43,495,000 | 22.9% | 1.5% |
| Montecito Bank & Trust | $60,005,000 | $39,120,000 | -34.8% | 1.4% |
| Goldman Sachs Bank USA | $13,770,000 | $30,035,000 | 118.1% | 1.0% |
| PNC Bank | $98,050,000 | $29,750,000 | -69.7% | 1.0% |
| UBS Bank USA | $27,670,000 | $28,950,000 | 4.6% | 1.0% |
| Banner Bank | $26,185,000 | $25,760,000 | -1.6% | 0.9% |
| MidFirst Bank | $46,210,000 | $24,160,000 | -47.7% | 0.8% |
| CORNERSTONE HOME LENDING, INC. | $15,025,000 | $22,530,000 | 50.0% | 0.8% |
| Charles Schwab Bank, SSB | $20,585,000 | $21,720,000 | 5.5% | 0.8% |
| COASTAL FUNDING SLC, INC. | $5,280,000 | $21,445,000 | 306.2% | 0.7% |
| FREEDOM MORTGAGE CORPORATION | $4,360,000 | $21,195,000 | 386.1% | 0.7% |
| THE GOLDEN 1 | $27,800,000 | $21,160,000 | -23.9% | 0.7% |
| OCMBC, INC. | $7,335,000 | $21,010,000 | 186.4% | 0.7% |
| Golden Empire Mortgage, Inc. | $6,270,000 | $19,670,000 | 213.7% | 0.7% |
| BMO Harris Bank | $11,910,000 | $19,595,000 | 64.5% | 0.7% |
| NEXERA HOLDING LLC | $13,895,000 | $19,555,000 | 40.7% | 0.7% |
| Prosperity Home Mortgage, LLC | $4,880,000 | $17,580,000 | 260.2% | 0.6% |
| American Riviera Bank | $10,470,000 | $17,040,000 | 62.8% | 0.6% |
| Sierra Pacific Mortgage Company, Inc. | $8,280,000 | $16,875,000 | 103.8% | 0.6% |
| COASTHILLS | $18,695,000 | $15,415,000 | -17.5% | 0.5% |
| PENNYMAC LOAN SERVICES, LLC | $16,215,000 | $15,375,000 | -5.2% | 0.5% |
| KINECTA | $10,090,000 | $14,765,000 | 46.3% | 0.5% |
| Mortgage Research Center, LLC | $7,575,000 | $14,425,000 | 90.4% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $8,435,000 | $14,010,000 | 66.1% | 0.5% |
| Zions Bank | $9,335,000 | $13,440,000 | 44.0% | 0.5% |
| Paramount Residential Mortgage Group, Inc. | $5,380,000 | $13,210,000 | 145.5% | 0.5% |
| LENDINGHOME FUNDING CORPORATION | $15,515,000 | $12,540,000 | -19.2% | 0.4% |
| Greenbox Loans, Inc. | $1,575,000 | $12,425,000 | 688.9% | 0.4% |
| NEWREZ LLC | $4,660,000 | $12,015,000 | 157.8% | 0.4% |
| Axos Bank | $11,185,000 | $11,730,000 | 4.9% | 0.4% |
| Nations Lending Corporation | $10,490,000 | $11,430,000 | 9.0% | 0.4% |
| SESLOC | $17,035,000 | $11,120,000 | -34.7% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $4,515,000 | $10,875,000 | 140.9% | 0.4% |
| East West Bank | $2,105,000 | $10,710,000 | 408.8% | 0.4% |
| City National Bank | $58,440,000 | $10,550,000 | -81.9% | 0.4% |
| Hometown Equity Mortgage, LLC | $1,540,000 | $10,460,000 | 579.2% | 0.4% |
| NP, Inc. | $1,915,000 | $10,270,000 | 436.3% | 0.4% |
| FIRST COLONY MORTGAGE CORPORATION | $10,010,000 | n/a | 0.3% | |
| Citadel Servicing Corporation | $13,325,000 | $9,815,000 | -26.3% | 0.3% |
| ENVOY MORTGAGE, LTD | $10,740,000 | $9,790,000 | -8.8% | 0.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $2,715,000 | $9,785,000 | 260.4% | 0.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $7,320,000 | $9,615,000 | 31.4% | 0.3% |
| ARC HOME LLC | $3,455,000 | $9,565,000 | 176.8% | 0.3% |
| KEYPOINT | $1,140,000 | $9,400,000 | 724.6% | 0.3% |
| Stifel Bank and Trust | $7,080,000 | $8,885,000 | 25.5% | 0.3% |
| AMERITRUST MORTGAGE CORPORATION | $1,440,000 | $8,585,000 | 496.2% | 0.3% |
| American Mortgage & Equity Consultants, Inc. | $12,345,000 | $8,380,000 | -32.1% | 0.3% |
| AMERICAN FINANCIAL NETWORK, INC. | $10,215,000 | $8,070,000 | -21.0% | 0.3% |
| NEW WAVE LENDING GROUP INC | $395,000 | $8,005,000 | 1,926.6% | 0.3% |
| ALAMEDA MORTGAGE CORPORATION | $1,420,000 | $7,815,000 | 450.4% | 0.3% |
| BROKER SOLUTIONS, INC. | $4,195,000 | $7,675,000 | 83.0% | 0.3% |
| Washington Federal Bank | $2,445,000 | $7,630,000 | 212.1% | 0.3% |
| Citizens Bank | $2,985,000 | $7,615,000 | 155.1% | 0.3% |
| The Loan Store, Inc. | $1,235,000 | $7,585,000 | 514.2% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,700,000 | $7,270,000 | 327.6% | 0.3% |
| Citizens Business Bank | $7,255,000 | n/a | 0.3% | |
| HOMEXPRESS MORTGAGE CORP. | $4,825,000 | $7,045,000 | 46.0% | 0.2% |
| Figure Lending LLC | $5,055,000 | $6,845,000 | 35.4% | 0.2% |
| Third Federal Savings and Loan Association of Cleveland | $2,895,000 | $6,800,000 | 134.9% | 0.2% |
| First Bank | $11,710,000 | $6,750,000 | -42.4% | 0.2% |
| FUNDLOANS CAPITAL | $3,530,000 | $6,620,000 | 87.5% | 0.2% |
| Mechanics Bank | $6,775,000 | $6,460,000 | -4.6% | 0.2% |
| Commerce Home Mortgage, Inc. | $16,625,000 | $6,010,000 | -63.8% | 0.2% |
| Northwest Farm Credit Services, FLCA | $3,420,000 | $5,665,000 | 65.6% | 0.2% |
| NMSI, INC. | $2,485,000 | $5,575,000 | 124.3% | 0.2% |
| LONGBRIDGE FINANCIAL, LLC | $6,090,000 | $5,460,000 | -10.3% | 0.2% |
| GREYSTONE SERVICING COMPANY LLC | $5,450,000 | n/a | 0.2% | |
| SUN WEST MORTGAGE COMPANY, INC. | $2,395,000 | $5,370,000 | 124.2% | 0.2% |
| HighTechLending Inc | $505,000 | $5,355,000 | 960.4% | 0.2% |
| Flagstar Bank, FSB | $7,290,000 | $5,305,000 | -27.2% | 0.2% |
| ALLIANT CREDIT UNION | $4,675,000 | $5,260,000 | 12.5% | 0.2% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $9,165,000 | $5,005,000 | -45.4% | 0.2% |
| SCHOOLSFIRST | $3,150,000 | $4,880,000 | 54.9% | 0.2% |
| Habib American Bank | $4,695,000 | n/a | 0.2% | |
| PENTAGON FEDERAL CREDIT UNION | $2,445,000 | $4,655,000 | 90.4% | 0.2% |
| Texas Capital Bank | $4,425,000 | n/a | 0.2% | |
| VAL-CHRIS INVESTMENTS, INC. | $3,090,000 | $4,405,000 | 42.6% | 0.2% |
| First-Citizens Bank & Trust Company | $13,595,000 | $4,255,000 | -68.7% | 0.1% |
| QUORUM FEDERAL CREDIT UNION | $605,000 | $4,170,000 | 589.3% | 0.1% |
| Bethpage Federal Credit Union | $3,315,000 | $4,135,000 | 24.7% | 0.1% |
| SPRING EQ, LLC | $2,610,000 | $4,075,000 | 56.1% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $985,000 | $4,045,000 | 310.7% | 0.1% |
| Comerica Bank | $17,245,000 | $4,015,000 | -76.7% | 0.1% |
| BNY Mellon | $2,005,000 | $4,005,000 | 99.8% | 0.1% |
| GENEVA FINANCIAL, LLC | $1,960,000 | $3,835,000 | 95.7% | 0.1% |
| LANTZMAN MANAGEMENT, INC. | $1,620,000 | $3,815,000 | 135.5% | 0.1% |
| NORWICH COMMERCIAL GROUP, INC. | $3,790,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $8,205,000 | $3,735,000 | -54.5% | 0.1% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $920,000 | $3,655,000 | 297.3% | 0.1% |
| WESCOM CENTRAL CREDIT UNION | $1,125,000 | $3,640,000 | 223.6% | 0.1% |
| AmeriHome Mortgage Company, LLC | $1,040,000 | $3,615,000 | 247.6% | 0.1% |
| Community West Bank | $12,190,000 | $3,595,000 | -70.5% | 0.1% |
| The Northern Trust Company | $905,000 | $3,565,000 | 293.9% | 0.1% |
| Discover Bank | $2,530,000 | $3,380,000 | 33.6% | 0.1% |
| CANOPY MORTGAGE, LLC | $3,275,000 | n/a | 0.1% | |
| Performance Financial, Inc. | $1,375,000 | $3,105,000 | 125.8% | 0.1% |
| JMJ FINANCIAL GROUP | $3,005,000 | n/a | 0.1% | |
| JMAC LENDING, INC. | $2,965,000 | n/a | 0.1% | |
| BOKF | $2,945,000 | n/a | 0.1% | |
| AMWEST FUNDING CORP. | $5,225,000 | $2,825,000 | -45.9% | 0.1% |
| V.I.P. MORTGAGE, INC. | $2,770,000 | n/a | 0.1% | |
| Equity Prime Mortgage LLC | $1,180,000 | $2,700,000 | 128.8% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $475,000 | $2,690,000 | 466.3% | 0.1% |
| KD CAPITAL MORTGAGE CORPORATION | $1,450,000 | $2,685,000 | 85.2% | 0.1% |
| UMB Bank | $7,205,000 | $2,655,000 | -63.2% | 0.1% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $2,650,000 | n/a | 0.1% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $9,190,000 | $2,645,000 | -71.2% | 0.1% |
| Carrington Mortgage Services, LLC | $2,675,000 | $2,605,000 | -2.6% | 0.1% |
| CENTRAL COAST LENDING, INC. | $1,495,000 | $2,550,000 | 70.6% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $2,510,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $15,680,000 | $2,475,000 | -84.2% | 0.1% |
| Santa Barbara Teachers Federal Credit Union | $2,875,000 | $2,395,000 | -16.7% | 0.1% |
| Coastal Community Bank | $1,320,000 | $2,380,000 | 80.3% | 0.1% |
| AUGUSTA FINANCIAL, INC. | $4,835,000 | $2,375,000 | -50.9% | 0.1% |
| Utah Mortgage Loan Corporation | $2,290,000 | $2,370,000 | 3.5% | 0.1% |
| BM Real Estate Services, Inc. | $1,625,000 | $2,290,000 | 40.9% | 0.1% |
| Merchants Mortgage & Trust Corporation | $1,005,000 | $2,280,000 | 126.9% | 0.1% |
| DIGNIFIED HOME LOANS, LLC | $3,780,000 | $2,200,000 | -41.8% | 0.1% |
| VENTURA COUNTY | $1,435,000 | $2,160,000 | 50.5% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $8,375,000 | $2,155,000 | -74.3% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $2,460,000 | $2,145,000 | -12.8% | 0.1% |
| Watermark Capital, Inc. | $2,145,000 | n/a | 0.1% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $2,330,000 | $2,100,000 | -9.9% | 0.1% |
| Fifth Third Bank | $855,000 | $2,090,000 | 144.4% | 0.1% |
| HomeTrust Bank | $925,000 | $2,000,000 | 116.2% | 0.1% |
| LIMA ONE CAPITAL, LLC | $1,955,000 | n/a | 0.1% | |
| AXIA FINANCIAL, LLC | $285,000 | $1,885,000 | 561.4% | 0.1% |
| Educational Employees Credit Union | $1,870,000 | n/a | 0.1% | |
| USAA Federal Savings Bank | $2,370,000 | $1,865,000 | -21.3% | 0.1% |
| Logan Finance Corporation | $1,820,000 | $1,820,000 | 0.0% | 0.1% |
| Luxury Mortgage Corp. | $1,255,000 | $1,805,000 | 43.8% | 0.1% |
| MK LENDING CORP. | $265,000 | $1,775,000 | 569.8% | 0.1% |
| Ally Bank | $1,760,000 | n/a | 0.1% | |
| MID-VALLEY SERVICES, INC. | $1,705,000 | n/a | 0.1% | |
| SUMMIT FUNDING, INC. | $1,705,000 | n/a | 0.1% | |
| EVANSVILLE TEACHERS | $1,675,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $2,765,000 | $1,640,000 | -40.7% | 0.1% |
| STAR ONE CREDIT UNION | $105,000 | $1,640,000 | 1,461.9% | 0.1% |
| General Mortgage Capital Corporation | $1,630,000 | n/a | 0.1% | |
| MLD MORTGAGE INC. | $505,000 | $1,595,000 | 215.8% | 0.1% |
| KeyBank | $675,000 | $1,580,000 | 134.1% | 0.1% |
| EVERETT FINANCIAL, INC. | $3,430,000 | $1,560,000 | -54.5% | 0.1% |
| ZILLOW HOME LOANS, LLC | $1,070,000 | $1,525,000 | 42.5% | 0.1% |
| LENDSURE MORTGAGE CORP. | $2,345,000 | $1,500,000 | -36.0% | 0.1% |
| NATIONWIDE EQUITIES CORPORATION | $3,180,000 | $1,490,000 | -53.1% | 0.1% |
| Franklin Loan Corporation | $720,000 | $1,420,000 | 97.2% | 0.0% |
| 21ST MORTGAGE CORPORATION | $1,760,000 | $1,350,000 | -23.3% | 0.0% |
| BETTER MORTGAGE CORPORATION | $575,000 | $1,350,000 | 134.8% | 0.0% |
| Plains Commerce Bank | $3,545,000 | $1,330,000 | -62.5% | 0.0% |
| Leader Bank | $1,325,000 | n/a | 0.0% | |
| A&D Mortgage LLC | $3,920,000 | $1,320,000 | -66.3% | 0.0% |
| LOGIX FEDERAL CREDIT UNION | $1,140,000 | $1,310,000 | 14.9% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $2,285,000 | $1,305,000 | -42.9% | 0.0% |
| Malaga Bank F.S.B | $1,305,000 | n/a | 0.0% | |
| M&T Bank | $1,860,000 | $1,305,000 | -29.8% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $2,180,000 | $1,280,000 | -41.3% | 0.0% |
| HOMESIDE FINANCIAL, LLC | $635,000 | $1,280,000 | 101.6% | 0.0% |
| DAS Acquisition Company, LLC | $1,275,000 | n/a | 0.0% | |
| BAY EQUITY LLC | $2,345,000 | $1,255,000 | -46.5% | 0.0% |
| PREMIER AMERICA | $1,310,000 | $1,255,000 | -4.2% | 0.0% |
| AHL FUNDING | $1,250,000 | n/a | 0.0% | |
| NBKC BANK | $810,000 | $1,225,000 | 51.2% | 0.0% |
| Magnolia Bank | $535,000 | $1,220,000 | 128.0% | 0.0% |
| NexBank | $1,185,000 | n/a | 0.0% | |
| Lakeview Community Capital, LLC | $575,000 | $1,165,000 | 102.6% | 0.0% |
| S1L, Inc. | $14,360,000 | $1,160,000 | -91.9% | 0.0% |
| First Federal Bank | $1,140,000 | n/a | 0.0% | |
| PHH Mortgage Corporation | $2,470,000 | $1,140,000 | -53.8% | 0.0% |
| GTE Federal Credit Union | $520,000 | $1,120,000 | 115.4% | 0.0% |
| AMERISAVE MORTGAGE CORPORATION | $2,200,000 | $1,105,000 | -49.8% | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,260,000 | $1,105,000 | -12.3% | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $705,000 | $1,090,000 | 54.6% | 0.0% |
| PLANET HOME LENDING, LLC | $1,405,000 | $1,060,000 | -24.6% | 0.0% |
| Firefighters First Federal Credit Union | $1,350,000 | $1,015,000 | -24.8% | 0.0% |
| GEORGIA'S OWN | $2,535,000 | $1,005,000 | -60.4% | 0.0% |
| GREENSTATE CREDIT UNION | $995,000 | n/a | 0.0% | |
| OAKTREE FUNDING CORP. | $1,315,000 | $990,000 | -24.7% | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $690,000 | $960,000 | 39.1% | 0.0% |
| Schaumburg Bank & Trust | $925,000 | n/a | 0.0% | |
| FIRST TECHNOLOGY | $405,000 | $920,000 | 127.2% | 0.0% |
| LOS ANGELES POLICE Federal Credit Union | $920,000 | n/a | 0.0% | |
| First Standard Financial Corp. | $915,000 | n/a | 0.0% | |
| 5TH STREET CAPITAL, INC. | $2,710,000 | $905,000 | -66.6% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $5,495,000 | $880,000 | -84.0% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $870,000 | n/a | 0.0% | |
| STRATA Credit Union | $855,000 | n/a | 0.0% | |
| NORTHROP GRUMMAN Federal Credit Union | $205,000 | $830,000 | 304.9% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $705,000 | $820,000 | 16.3% | 0.0% |
| LOANPAL, LLC | $420,000 | $790,000 | 88.1% | 0.0% |
| MORIA DEVELOPMENT, INC. | $790,000 | n/a | 0.0% | |
| 1ST UNITED SERVICES CREDIT UNION | $410,000 | $765,000 | 86.6% | 0.0% |
| Truist | $225,000 | $760,000 | 237.8% | 0.0% |
| Ameris Bank | $755,000 | n/a | 0.0% | |
| FOUNDATION MORTGAGE CORPORATION | $905,000 | $755,000 | -16.6% | 0.0% |
| Tri Counties Bank | $1,505,000 | $755,000 | -49.8% | 0.0% |
| CLEARPATH LENDING | $1,240,000 | $735,000 | -40.7% | 0.0% |
| EQUITY WAVE LENDING, INC. | $550,000 | $720,000 | 30.9% | 0.0% |
| NEW DAY FINANCIAL, LLC | $710,000 | n/a | 0.0% | |
| LADERA LENDING, INC. | $875,000 | $685,000 | -21.7% | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $685,000 | n/a | 0.0% | |
| ST FIN CORP | $395,000 | $665,000 | 68.4% | 0.0% |
| The Federal Savings Bank | $1,205,000 | $665,000 | -44.8% | 0.0% |
| STANFORD Federal Credit Union | $1,070,000 | $660,000 | -38.3% | 0.0% |
| Wallick & Volk, Inc. | $495,000 | $660,000 | 33.3% | 0.0% |
| Provident Credit Union | $205,000 | $655,000 | 219.5% | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | $1,905,000 | $655,000 | -65.6% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $160,000 | $645,000 | 303.1% | 0.0% |
| California Coast Credit Union | $565,000 | $635,000 | 12.4% | 0.0% |
| Mortgage Vintage, Inc. | $630,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $940,000 | $625,000 | -33.5% | 0.0% |
| Home Mortgage Alliance Corp | $620,000 | n/a | 0.0% | |
| F&A Federal Credit Union | $1,140,000 | $590,000 | -48.2% | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | $305,000 | $585,000 | 91.8% | 0.0% |
| Fremont Bank | $2,040,000 | $585,000 | -71.3% | 0.0% |
| FIRST ENTERTAINMENT | $1,130,000 | $565,000 | -50.0% | 0.0% |
| United States Senate Federal Credit Union | $560,000 | n/a | 0.0% | |
| INTELLILOAN, INC. | $115,000 | $555,000 | 382.6% | 0.0% |
| TOWER | $155,000 | $550,000 | 254.8% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $3,315,000 | $545,000 | -83.6% | 0.0% |
| FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers | $515,000 | n/a | 0.0% | |
| Servion, Inc. | $515,000 | n/a | 0.0% | |
| ADVANCIAL | $1,950,000 | $495,000 | -74.6% | 0.0% |
| Murphy Bank | $305,000 | $495,000 | 62.3% | 0.0% |
| TruHome Solutions, LLC | $495,000 | n/a | 0.0% | |
| GEO-CORP, INC. | $465,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $455,000 | n/a | 0.0% | |
| CALIFORNIA CREDIT UNION | $800,000 | $455,000 | -43.1% | 0.0% |
| RBC Bank, (Georgia) | $305,000 | $455,000 | 49.2% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $1,955,000 | $435,000 | -77.7% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $415,000 | n/a | 0.0% | |
| Farmers and Merchants Bank of Long Beach | $2,255,000 | $405,000 | -82.0% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $395,000 | n/a | 0.0% | |
| UNCLE Credit Union | $195,000 | $395,000 | 102.6% | 0.0% |
| RESIDENTIAL BANCORP | $1,390,000 | $365,000 | -73.7% | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $355,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $345,000 | n/a | 0.0% | |
| INTERCAP LENDING INC. | $335,000 | n/a | 0.0% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $2,910,000 | $315,000 | -89.2% | 0.0% |
| CBC Federal Credit Union | $365,000 | $305,000 | -16.4% | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | $305,000 | n/a | 0.0% | |
| UNIVERSITY CREDIT UNION | $305,000 | n/a | 0.0% | |
| SOUTHLAND CREDIT UNION | $405,000 | $295,000 | -27.2% | 0.0% |
| AmRes Corporation | $265,000 | n/a | 0.0% | |
| Advisors Mortgage Group, L.L.C. | $460,000 | $255,000 | -44.6% | 0.0% |
| American Airlines Federal Credit Union | $255,000 | n/a | 0.0% | |
| NuVision Federal Credit Union | $1,410,000 | $255,000 | -81.9% | 0.0% |
| PATELCO | $230,000 | $255,000 | 10.9% | 0.0% |
| SEA WEST COAST GUARD FEDERAL CREDIT UNION | $255,000 | n/a | 0.0% | |
| Boeing Employees Credit Union | $1,550,000 | $245,000 | -84.2% | 0.0% |
| Raymond James Bank | $2,630,000 | $245,000 | -90.7% | 0.0% |
| THE FIRST FINANCIAL Federal Credit Union | $105,000 | $240,000 | 128.6% | 0.0% |
| TJC Mortgage, Inc. | $235,000 | n/a | 0.0% | |
| USAlliance Federal Credit Union | $220,000 | n/a | 0.0% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $215,000 | n/a | 0.0% | |
| EMM LOANS LLC | $195,000 | n/a | 0.0% | |
| Pacific Premier Bank | $185,000 | n/a | 0.0% | |
| SAN FRANCISCO FIRE CREDIT UNION | $680,000 | $180,000 | -73.5% | 0.0% |
| Deere Employees Credit Union | $300,000 | $160,000 | -46.7% | 0.0% |
| ML Mortgage Corp. | $155,000 | n/a | 0.0% | |
| PARTNERS | $305,000 | $155,000 | -49.2% | 0.0% |
| OPEN MORTGAGE, LLC | $455,000 | $135,000 | -70.3% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $125,000 | $120,000 | -4.0% | 0.0% |
| PACIFIC SERVICE | $205,000 | $110,000 | -46.3% | 0.0% |
| FOOTHILL FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| SAN DIEGO COUNTY CREDIT UNION | $105,000 | n/a | 0.0% | |
| Service Federal Credit Union | $105,000 | n/a | 0.0% | |
| AGRICULTURE Federal Credit Union | $75,000 | n/a | 0.0% | |
| REDWOOD | $475,000 | $55,000 | -88.4% | 0.0% |
| Noble Federal Credit Union | $45,000 | n/a | 0.0% | |
| Toyota Financial Savings Bank | $625,000 | $25,000 | -96.0% | 0.0% |
SANTA MARIA - SANTA BARBARA's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 9.4% market share. In second place, with 6.1%, is JPMorgan Chase Bank, having originated $176,080,000 in loans. In third place, with 4.9%, is U.S. Bank, having originated $141,330,000 in loans. In fourth place, with 4.7%, is GUARANTEED RATE, INC., having originated $137,155,000 in loans. In fifth place, with 3.7%, is Bank of America, having originated $106,280,000 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 | $1,147,000 (10.0%) | $2,816,770 (9.2%) | 3.58 | 1,042 |
| 2019-06-01 | $1,175,000 (12.0%) | $2,908,717 (18.0%) | 3.67 | 1,050 |
| 2019-07-01 | $1,241,975 (14.2%) | $2,920,730 (17.9%) | 3.89 | 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 (17.7%) | $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 (27.2%) | $3,564,307 (22.0%) | 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 | $1,987,225 (-1.5%) | $4,832,654 (0.5%) | 4.52 | 491 |
| 2024-06-01 | $1,995,000 (-5.8%) | $4,708,305 (-2.8%) | 4.54 | 528 |
| 2024-07-01 | $2,097,750 (5.1%) | $4,777,995 (-2.1%) | 4.80 | 585 |
| 2024-08-01 | $2,150,000 (9.7%) | $4,668,749 (-0.7%) | 5.00 | 616 |
| 2024-09-01 | $2,191,000 (15.6%) | $4,674,199 (-1.3%) | 5.16 | 590 |
| 2024-10-01 | $1,935,000 (1.7%) | $4,481,312 (-12.5%) | 4.55 | 587 |
| 2024-11-01 | $1,797,450 (-1.4%) | $4,261,161 (-18.8%) | 4.31 | 564 |
| 2024-12-01 | $1,796,250 (0.1%) | $4,203,079 (-21.6%) | 4.46 | 471 |
| 2025-01-01 | $1,814,000 (3.7%) | $4,314,769 (-13.9%) | 4.53 | 449 |
| 2025-02-01 | $2,101,750 (18.1%) | $4,852,245 (-2.6%) | 5.10 | 464 |
| 2025-03-01 | $1,975,000 (1.3%) | $4,956,839 (2.2%) | 4.65 | 510 |
| 2025-04-01 | $1,878,750 (-1.1%) | $4,703,407 (5.9%) | 4.36 | 553 |
| 2025-05-01 | $1,975,000 (-0.6%) | $4,675,071 (-3.3%) | 4.49 | 622 |
SANTA MARIA - SANTA BARBARA's median listing price for 2025-05-01 was $1,975,000, a difference of
$-12,225
(-0.6%) versus the prior year and
$96,250 versus the prior month.
SANTA MARIA - SANTA BARBARA's median listing price comes in at 449% of the national average.
SANTA MARIA - SANTA BARBARA's average listing price for 2025-05-01 was $4,675,071, a difference of $-157,583 (-3.3%) versus the prior year and $-28,336 versus the prior month.
For the 2025-05-01 period, SANTA MARIA - SANTA BARBARA had 622 MLS listings, a difference of 69 listings (12%) versus the prior month and 131 listings (27%) versus the prior year.
SANTA MARIA - SANTA BARBARA's median listing price comes in at 449% of the national average.
SANTA MARIA - SANTA BARBARA's average listing price for 2025-05-01 was $4,675,071, a difference of $-157,583 (-3.3%) versus the prior year and $-28,336 versus the prior month.
For the 2025-05-01 period, SANTA MARIA - SANTA BARBARA had 622 MLS listings, a difference of 69 listings (12%) versus the prior month and 131 listings (27%) 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 | 2,107 sqft |
| 2018-02-01 | 65 days | 2,122 sqft |
| 2018-03-01 | 46 days | 2,085 sqft |
| 2018-04-01 | 46 days | 2,089 sqft |
| 2018-05-01 | 46 days | 2,048 sqft |
| 2018-06-01 | 52 days | 2,039 sqft |
| 2018-07-01 | 55 days | 2,019 sqft |
| 2018-08-01 | 60 days | 1,990 sqft |
| 2018-09-01 | 64 days | 2,000 sqft |
| 2018-10-01 | 69 days | 1,994 sqft |
| 2018-11-01 | 69 days | 1,994 sqft |
| 2018-12-01 | 82 days | 2,013 sqft |
| 2019-01-01 | 87 days | 2,034 sqft |
| 2019-02-01 | 84 days | 2,038 sqft |
| 2019-03-01 | 70 days | 2,044 sqft |
| 2019-04-01 | 53 days | 2,059 sqft |
| 2019-05-01 | 51 days | 2,083 sqft |
| 2019-06-01 | 57 days | 2,112 sqft |
| 2019-07-01 | 66 days | 2,169 sqft |
| 2019-08-01 | 68 days | 2,192 sqft |
| 2019-09-01 | 69 days | 2,229 sqft |
| 2019-10-01 | 70 days | 2,252 sqft |
| 2019-11-01 | 73 days | 2,282 sqft |
| 2019-12-01 | 84 days | 2,280 sqft |
| 2020-01-01 | 90 days | 2,310 sqft |
| 2020-02-01 | 82 days | 2,359 sqft |
| 2020-03-01 | 55 days | 2,364 sqft |
| 2020-04-01 | 61 days | 2,207 sqft |
| 2020-05-01 | 64 days | 2,238 sqft |
| 2020-06-01 | 53 days | 2,260 sqft |
| 2020-07-01 | 57 days | 2,274 sqft |
| 2020-08-01 | 46 days | 2,285 sqft |
| 2020-09-01 | 46 days | 2,356 sqft |
| 2020-10-01 | 50 days | 2,373 sqft |
| 2020-11-01 | 53 days | 2,416 sqft |
| 2020-12-01 | 61 days | 2,358 sqft |
| 2021-01-01 | 60 days | 2,290 sqft |
| 2021-02-01 | 38 days | 1,988 sqft |
| 2021-03-01 | 31 days | 2,100 sqft |
| 2021-04-01 | 27 days | 2,061 sqft |
| 2021-05-01 | 25 days | 2,018 sqft |
| 2021-06-01 | 22 days | 1,944 sqft |
| 2021-07-01 | 31 days | 1,966 sqft |
| 2021-08-01 | 31 days | 2,048 sqft |
| 2021-09-01 | 31 days | 1,978 sqft |
| 2021-10-01 | 34 days | 2,020 sqft |
| 2021-11-01 | 31 days | 2,133 sqft |
| 2021-12-01 | 39 days | 2,120 sqft |
| 2022-01-01 | 43 days | 1,998 sqft |
| 2022-02-01 | 27 days | 2,064 sqft |
| 2022-03-01 | 20 days | 1,993 sqft |
| 2022-04-01 | 22 days | 2,000 sqft |
| 2022-05-01 | 25 days | 2,003 sqft |
| 2022-06-01 | 29 days | 1,987 sqft |
| 2022-07-01 | 29 days | 1,955 sqft |
| 2022-08-01 | 40 days | 1,971 sqft |
| 2022-09-01 | 48 days | 1,971 sqft |
| 2022-10-01 | 52 days | 1,930 sqft |
| 2022-11-01 | 55 days | 1,906 sqft |
| 2022-12-01 | 66 days | 1,920 sqft |
| 2023-01-01 | 73 days | 2,051 sqft |
| 2023-02-01 | 43 days | 2,029 sqft |
| 2023-03-01 | 42 days | 2,002 sqft |
| 2023-04-01 | 40 days | 2,144 sqft |
| 2023-05-01 | 33 days | 2,279 sqft |
| 2023-06-01 | 34 days | 2,248 sqft |
| 2023-07-01 | 32 days | 2,188 sqft |
| 2023-08-01 | 39 days | 2,197 sqft |
| 2023-09-01 | 46 days | 2,176 sqft |
| 2023-10-01 | 46 days | 2,259 sqft |
| 2023-11-01 | 48 days | 2,248 sqft |
| 2023-12-01 | 52 days | 2,172 sqft |
| 2024-01-01 | 65 days | 2,107 sqft |
| 2024-02-01 | 56 days | 2,126 sqft |
| 2024-03-01 | 47 days | 2,100 sqft |
| 2024-04-01 | 41 days | 2,029 sqft |
| 2024-05-01 | 42 days | 2,107 sqft |
| 2024-06-01 | 45 days | 2,166 sqft |
| 2024-07-01 | 45 days | 2,201 sqft |
| 2024-08-01 | 49 days | 2,203 sqft |
| 2024-09-01 | 58 days | 2,212 sqft |
| 2024-10-01 | 59 days | 2,108 sqft |
| 2024-11-01 | 58 days | 2,055 sqft |
| 2024-12-01 | 71 days | 2,076 sqft |
| 2025-01-01 | 74 days | 2,059 sqft |
| 2025-02-01 | 48 days | 2,093 sqft |
| 2025-03-01 | 45 days | 2,074 sqft |
| 2025-04-01 | 46 days | 2,114 sqft |
| 2025-05-01 | 46 days | 2,116 sqft |
SANTA MARIA - SANTA BARBARA's median listing age (time on market) for 2025-05-01 was 46 days.
This
is 10%
longer
than the same period one year ago.
SANTA MARIA - SANTA BARBARA's median square footage for active listings during the 2025-05-01 period was 2,116 sqft. One year prior, the average listing was 2,107 sqft.
SANTA MARIA - SANTA BARBARA's median square footage for active listings during the 2025-05-01 period was 2,116 sqft. One year prior, the average listing was 2,107 sqft.
SANTA MARIA-SANTA BARBARA, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,098 | $1,752,660,000 | $835,396 |
| Cash Out Refi | 859 | $342,435,000 | $398,644 |
| Refi | 604 | $463,100,000 | $766,722 |
| Other | 467 | $236,555,000 | $506,542 |
| Home Improvement | 456 | $91,720,000 | $201,140 |
| NA | 9 | $6,785,000 | $753,889 |
Santa Maria - Santa Barbara's most frequently cited loan purpose was Home Purchase, with 2,098 originations. The 2nd most popular reason was Cash Out Refi, with 859 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,664 | $1,186,030,000 | $712,758 |
| Over 8% | 1,207 | $402,045,000 | $333,094 |
| 7-8% | 802 | $565,050,000 | $704,551 |
| 5-6% | 616 | $624,430,000 | $1,013,685 |
| 4-5% | 40 | $25,880,000 | $647,000 |
| <2.5% | 30 | $2,170,000 | $72,333 |
| 3-4% | 10 | $3,790,000 | $379,000 |
| 2.5-3% | 7 | $2,355,000 | $336,429 |
During 2024, Santa Maria - Santa Barbara's most frequently originated rate bucket was 6-7%, with 1,664 originations.
Loan Sizing (SANTA MARIA-SANTA BARBARA, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $400k-600k | 1,012 | $509,780,000 | $503,735 |
| $600k-1000k | 899 | $660,505,000 | $734,711 |
| $200k-400k | 816 | $239,780,000 | $293,848 |
| $Over $1MM | 660 | $1,371,400,000 | $2,077,879 |
| $100k-200k | 582 | $79,740,000 | $137,010 |
| $100,000 or less | 524 | $32,050,000 | $61,164 |
SANTA MARIA - SANTA BARBARA's loan sizing saw the bucket of loans from $400k-600k with 1,012 originations, totaling $509,780,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| Under 20% | 1,111 | $172,965,000 | $155,684 |
| 80-100% | 1,079 | $741,655,000 | $687,354 |
| 60-80% | 949 | $1,038,105,000 | $1,093,894 |
| 20-40% | 620 | $311,100,000 | $501,774 |
| 40-60% | 499 | $482,385,000 | $966,703 |
| Over 100% | 36 | $30,310,000 | $841,944 |
SANTA MARIA - SANTA BARBARA's loan sizing saw loans grouped in the Under 20% Loan-to-value bucket with 1,111 originations, totaling $172,965,000 in origination value.