Santa Maria-Santa Barbara Mortgage Lending in 2025

Explore mortgage lending activity in Santa Maria-Santa Barbara (MSA/MD Code 42200) using official HMDA public records. Review underwriting outcomes, borrower characteristics, and regional lending benchmarks.

Source: Federal Financial Institutions Examination Council (FFIEC) / Consumer Financial Protection Bureau (CFPB) • Dataset: 2025 Snapshot National Loan-Level Dataset • Updated: June 2, 2026 • Methodology →
Metropolitan Area 42200
2,740 Loans Originated
• Primary State: California (CA)
• $2.27 Billion Originated Volume
• $615,000 Median Loan
Actionable Applications 3,421 +20.20% vs 2024
Approval Rate 84.77% -0.02 pp vs 2024
Denial Rate 15.23% +0.02 pp vs 2024
Loan Originations 2,740 +19.34% vs 2024
Originated Volume $2.27 Billion +29.84% vs 2024

Credit Decision Outcomes (2025)

Outcomes for 3,421 actionable applications (Actions 1, 2, and 3).

84.77%
15.23%
2,900 approved 521 denied
Action 1: Originated
2,740 (80.09%)
Action 2: Approved not accepted
160 (4.68%)
Action 3: Denied
521 (15.23%)
Action 4: Withdrawn (not in denominator)
848 —
Action 5: Incomplete (not in denominator)
238 —
How to read this: Approval rate uses Actions 1, 2, and 3. Actions 4 and 5 are excluded from the credit decision denominator. Read the full methodology →

How Santa Maria-Santa Barbara Compares

Metro vs. State Baseline (2025)

Metric Santa Maria-Santa Barbara California
Actionable Apps 3,421 404,468
Approval Rate 84.77% 84.45%
Denial Rate 15.23% 15.55%
Originations 2,740 322,897
Originated Volume $2.27 Billion $227.16 Billion
Median Loan $615,000 $575,000
Compared against California statewide baseline in 2025.

Lending Trends in Santa Maria-Santa Barbara

Year-over-year shifts: 2025 vs. 2024

Metric 2024 2025 Change
Consumer Universe 3,689 4,507 +22.17%
Actionable Apps 2,846 3,421 +20.20%
Originations 2,296 2,740 +19.34%
Approval Rate 84.79% 84.77% -0.02 pp
Denial Rate 15.21% 15.23% +0.02 pp
Median Loan $585,000 $615,000 +5.13%
Dollar Volume $1.75 Billion $2.27 Billion +29.84%

Applications by Borrower Income (Santa Maria-Santa Barbara)

Approval and denial rates across gross annual income tiers (2025)

Income Bracket Apps Approval % Denial %
$100k–$149,999 781 84.12% 15.88%
$150k+ 1,847 90.63% 9.37%
$50k–$99,999 444 69.82% 30.18%
<$50k 79 50.63% 49.37%
Income unavailable/entity 270 81.11% 18.89%
Gross annual borrower income relied upon during credit underwriting. Descriptive figures only; does not establish causation.

Geographic Market Context

Regional integration within California (2025)

Official Geographic Designation: Metropolitan Statistical Area / Division 42200, anchored in California (CA).
Metro Share of State Apps 0.85%
Metro Share of State Volume 1.00%
Geographic Notice: OpenFileData reports verified OMB-designated metropolitan boundaries. Detailed county-level vector choropleths are omitted unless authoritative polygon geometries and county-level consumer records are officially available, preventing data fabrication.

Parent State Association

Explore California statewide mortgage activity

Santa Maria-Santa Barbara is part of OpenFileData’s statewide coverage of California. View statewide approval benchmarks, metropolitan rankings, and institution profiles across all reporting jurisdictions.

California Statewide Overview Active Profile
Statewide Actionable Applications: 404,468
Explore California State Profile →

Methodology

Learn how HMDA credit outcomes, action codes, and consumer filters are computed.

Read Methodology →

California Profile

Compare all metropolitan areas located in California.

View State Page →

Download Data

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Methodology & Disclosures

Credit Decision Denominator Rule: Approval and denial rates are calculated strictly among actionable applications reaching a formal credit underwriting decision (Actions 1, 2, and 3: loan originated, approved but not accepted, denied). Applications withdrawn by borrower (Action 4) and closed for incompleteness (Action 5) are tracked in the broader Consumer Mortgage Universe for market completeness but excluded from credit decision rates as no underwriting decision occurred.

Official Data Source & Freeze Date: Official Home Mortgage Disclosure Act (HMDA) records published by the Federal Financial Institutions Examination Council (FFIEC) and Consumer Financial Protection Bureau (CFPB). Primary analysis uses the 2025 Snapshot National Loan-Level Dataset (frozen June 2, 2026); historical baseline uses the 2024 One-Year National Loan-Level Dataset (frozen June 2, 2026).

Public Interest Commitment: OpenFileData does not sell mortgage leads, lender placements, paid rankings, or individualized mortgage recommendations.

For complete technical formulas, SQL implementations, and data definitions, read the full Mortgage Lending Methodology Specification.