Mortgage lending in Santa Barbara County
5,402 mortgages were originated in Santa Barbara County, California, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. 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
- Median loan amount
- $505,000
- Median 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
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
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, escrow and taxes are extra and are not in these figures. Compare two offers