Current Mortgage Rates in Santa Barbara, California

Monday, October 13, 2008



Current Mortgage Rates*

Loan Type
Santa Barbara Average
30-yr. fixed6.25%
30-yr. fixed jumbo7.75%
15-yr. fixed6.00%
15-yr. fixed jumbo7.12%
7/1 ARM6.25%
7/1 ARM jumbo7.38%
5/1 ARM6.00%
5/1 ARM jumbo7.25%
3/1 ARM5.88%
3/1 ARM jumbo6.75%
1-yr. ARM5.75%
1-yr. ARM jumbo5.75%
1-yr. LIBOR ARM6.12%
*Mortgage Rates Updated: 10/07/2008

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Current Mortgage Rates in Santa Barbara, California

Santa Barbara 30-yr. fixed Mortgage Rates Santa Barbara 30-yr. fixed jumbo Mortgage Rates
Base RateAPYPoints Base RateAPYPoints
Citibank6.84%7.08%1.31Bank of America7.33%7.59%1.81
Bank of America6.60%6.74%0.81Wells Fargo9.43%9.49%0.27
Wachovia6.24%6.38%0.69Chase7.80%7.84%0.14
Wells Fargo6.39%6.47%0.24 
Chase6.29%6.37%0.07 
Fifth Third Bank6.40%6.47%0.36 
Santa Barbara 15-yr. fixed Mortgage Rates Santa Barbara 15-yr. fixed jumbo Mortgage Rates
Base RateAPYPoints Base RateAPYPoints
Citibank6.87%7.58%3.57Bank of America7.15%7.52%1.47
Bank of America6.19%6.46%0.95Wells Fargo7.99%8.11%0.41
Wachovia5.73%6.01%0.81Chase6.50%6.59%0.00
Wells Fargo6.16%6.29%0.33 
Chase6.31%6.44%0.07 
Fifth Third Bank5.86%5.98%0.38 
Santa Barbara 7/1 ARM Mortgage Rates Santa Barbara 7/1 ARM jumbo Mortgage Rates
Base RateAPYPoints Base RateAPYPoints
Citibank6.50%7.21%0.25Citibank7.00%7.46%0.00
Bank of America6.41%6.39%1.05Bank of America6.88%7.36%0.48
Wachovia5.79%5.84%0.59Wells Fargo8.45%7.48%0.29
Wells Fargo7.31%6.86%0.18Chase7.62%7.39%0.31
Chase6.84%6.41%0.04 
Santa Barbara 5/1 ARM Mortgage Rates Santa Barbara 5/1 ARM jumbo Mortgage Rates
Base RateAPYPoints Base RateAPYPoints
Citibank6.38%7.29%0.12Bank of America8.14%6.63%1.05
Bank of America6.46%6.14%0.88Wells Fargo7.81%6.84%0.33
Wells Fargo7.06%6.59%0.23Chase7.76%6.66%0.00
Chase6.79%6.27%0.03 
Fifth Third Bank6.20%5.99%0.28 
Santa Barbara 3/1 ARM Mortgage Rates Santa Barbara 3/1 ARM jumbo Mortgage Rates
Base RateAPYPoints Base RateAPYPoints
Citibank6.62%7.51%0.00Citibank7.00%7.62%0.00
Bank of America6.14%6.18%0.94Bank of America6.88%7.60%0.08
Wachovia5.55%5.62%0.48Wells Fargo6.75%7.52%0.12
Wells Fargo6.38%7.44%0.12Chase6.75%7.41%0.00
Chase6.75%7.37%0.00 
Fifth Third Bank5.78%5.82%0.25 
Santa Barbara 1-yr. ARM Mortgage Rates Santa Barbara 1-yr. ARM jumbo Mortgage Rates
Base RateAPYPoints Base RateAPYPoints
Citibank6.75%7.76%0.00Citibank7.00%7.90%0.00
Bank of America7.42%6.20%1.53Wells Fargo7.25%7.74%0.12
Wells Fargo7.25%7.78%0.12Chase7.12%7.62%0.00
Chase6.12%7.53%0.12 

Business First National Bank, 800 North. Milpas Street, Suite A, Santa Barbara California 93103
California Thrift and Loan, 319 East Carrillo, Santa Barbara California 93102
City Commerce Bank, 33 East Carrillo Street, Santa Barbara California 93101
County Bank, 1200 State Street, Santa Barbara California 93101
County Bank, 1200 State Street, Santa Barbara California 93101
La Cumbre Savings Bank, 915 State Street, Santa Barbara California 93101
Mission Federal Savings and Loan Association, 936 State St, Santa Barbara California 93102
Montecito Bank & Trust, 1000 State Street, Santa Barbara California 93101
Northern Trust Bank of California, 206 East Anapamu Street, Santa Barbara California 93101
Pacific Capital Bank, 20 East Carrillo Street, Santa Barbara California 93102
Santa Barbara Federal Savings and Loan Association, 900 Chapala Street, Santa Barbara California 93101
Santa Barbara Savings and Loan Association, 900 Chapala Street, Santa Barbara California 93101
The County Bank, Santa Barbara-carpinteria, 900 Chapala Street, Santa Barbara California 93101

Credit Unions in Santa Barbara, California

Santa Barbara County, 2623 De La Vina ST. , Santa Barbara CA 93105 (805) 682-3357

Mortgage Statistics for Santa Barbara, California

  Santa Barbara California USA
Population:
Population - The population of Santa Barbara, CA
 134,274 33,864,430 284,881,454
White Population:
White Population - The number of white people living in where you might apply for a Santa Barbara mortgage.
 104,658 20,136,345 210,951,199
Black Population:
Black Population - The number of black people living in where you might apply for a Santa Barbara mortgage.
 1,923 2,249,031 33,966,477
Hispanic Population:
Hispanic Population - The number of hispanic people living in where you might apply for a Santa Barbara mortgage.
 38,511 10,878,570 34,671,551
HouseHolds:
HouseHolds - The total number of households in Santa Barbara, CA, where you might buy a home.
 54,658 12,211,276 117,153,924
Person per Household:
Person per Household - The average number of people in a household in Santa Barbara, where you might apply for a Santa Barbara mortgage.
 2 2 2
Average House Value:
Average House Value - The average house value in Santa Barbara, CA
 $503,644 $244,600 $132,188
Income per Household:
Income per Household - The household income where you might compare Santa Barbara mortgage interest rates.
 $56,738 $50,388 $43,800

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