Montecito Bank & Trust
Montecito Bank & Trust received 140 applications in 2025 and made 82 mortgages, in 5 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $475,000. Of 120 decisions, 32 were denials — 26.7%.
| Legal Entity Identifier | 549300A7BPOO2YO2YE30 |
|---|---|
| Applications received | 140 |
| Mortgages made | 82 |
| Denied | 32 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 20 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Montecito Bank & Trust, 17 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 59 | Not published | $365,000 | 23.5% |
| Refinancing | 16 | Not published | $535,000 | 22.7% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Other purposes | 5 | Under 10 loans | Under 10 loans | 25.0% |
Where Montecito Bank & Trust lends most
The 5 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Santa Barbara County, CA | 63 | Not published | 26.9% |
| Ventura County, CA | 12 | Not published | 18.8% |
| Los Angeles County, CA | 7 | Under 10 loans | 30.0% |
| Kern County, CA | 0 | Under 10 loans | 100.0% |
| San Luis Obispo County, CA | 0 | Under 10 loans | Not published |
Get told when this changes
When Montecito Bank & Trust’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.