Mortgage lending in Santa Barbara County
5,402 mortgages were originated in Santa Barbara County, California, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 5,402
- Median rate
- 6.750%
- Median lender fees
- $6,725
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $505,000
- Above the going rate (spread over APOR)
- 0.271
- Paid discount points
- 28.9%
- Received lender credits
- 27.3%
- Purchases / refinances
- 40.6% / 40.6%
- Conventional / FHA / VA
- 85.8% / 8.7% / 5.5%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 64.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $941,850
- FHA limit
- $941,850
- Median home price
- $819,000
- That home, 20% down
- $655,200
A median-priced home with 20% down leaves $286,650 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
This is a high-cost area: loans above $832,750 are still agency-backed here, as high-balance, where a plain conforming loan would stop. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Santa Barbara County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 510 | $10,206 | 6.375% |
| Rocket Mortgage, LLC | 283 | $4,254 | 6.875% |
| Guaranteed Rate, Inc. | 250 | $6,403 | 6.625% |
| Loandepot.Com, LLC | 191 | $5,558 | 6.625% |
| U.S. Bank National Association | 152 | $4,886 | 6.970% |
| Crosscountry Mortgage, Inc. | 139 | $6,211 | 6.875% |
| JPMorgan Chase Bank, National Association | 122 | $4,897 | 6.250% |
| Bank of America, National Association | 119 | — | 5.990% |
| OriginPoint, LLC | 111 | $6,903 | 6.750% |
| Kind Lending, LLC | 104 | $9,229 | 6.625% |
What lenders charged here
Lender fees on a $505,000 loan, based on what was actually charged in Santa Barbara County — not a rule of thumb.
From 3,467 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers