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
6.55%
for the week of 2024-11-07, compared to the national average of
6.79% for the same period.
The average rate for the prior week (2024-10-31) was
6.88% and
one month ago for the week of 2024-10-03, the
average rate was 6.18%.
Santa Maria - Santa Barbara's average rate one year ago was 7.52%.
For refis of the same type during the week of 2024-11-07, the average rate
was 6.56%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-11-07 | 6.79% |
| Santa Maria - Santa Barbara 30 Year Fixed Rate | 2024-11-07 | 6.55% |
| Santa Maria - Santa Barbara 30 Year Fixed Rate Refi | 2024-11-07 | 6.56% |
| Santa Maria - Santa Barbara 15 Year Fixed Rate | 2024-11-07 | 6.1% |
| Santa Maria - Santa Barbara 15 Year Fixed Rate Refi | 2024-11-07 | 6% |
| Santa Maria - Santa Barbara 30 Year FHA | 2024-11-07 | 6.21% |
| Santa Maria - Santa Barbara 30 Year FHA Refi | 2024-11-07 | 6.23% |
| Santa Maria - Santa Barbara 30 Year USDA | 2024-11-07 | 6.28% |
| Santa Maria - Santa Barbara 30 Year USDA Refi | 2024-11-07 | 6.28% |
| Santa Maria - Santa Barbara 30 Year VA | 2024-11-07 | 6.15% |
| Santa Maria - Santa Barbara 30 Year VA Refi | 2024-11-07 | 6.34% |
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 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, CA Average Rent (2023)
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| 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.