Lender profile · HMDA 2023–2025
Montecito Bank & Trust mortgage approval rates & lending data
Montecito Bank & Trust decided 314 mortgage applications and funded 203 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 74% | 141 / 190 | 89% | $705K | 126 |
| Refinance | 70% | 26 / 37 | 88% | $465K | 23 |
| Investment property purchase | 75% | 24 / 32 | 100% | $755K | 24 |
Montecito Bank & Trust lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 71% | $705K | 314 | 203 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.