Applications / Mortgage Analytics / Lenders / California / American Riviera Bank
Santa Barbara, CA · State non-member bank · FDIC · $1.4 billion assets · 28 loans in 2025
American Riviera Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
28
loans originated, 2025
37
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Riviera Bank makes few home loans, but large ones: its typical loan in 2025 was $770,000, against $175,000 at similar lenders.
The bank made 28 home loans in 2025, fewer than about three-quarters of similar lenders (state non-member banks making between half and twice as many loans). Their size sets it apart, as it did five years earlier: in 2020, on 56 loans, its typical loan was $735,000. Large loans lifted its dollar total to $36.2 million, more than about nine in ten similar lenders. On so few loans, its shares of particular borrowers and products are too small to read much into.
Santa Maria-Santa Barbara is its largest market, where it has lent since 2007. It ranked 43 of 339 lenders there, with a 0.5% share, down from 0.6% the year before. In San Luis Obispo-Paso Robles it ranked 45 of 312, and its share there slipped from 0.5% to 0.4%. With so few loans, a handful of large deals more or less could account for both dips.
Lending peaked at 84 loans in 2022 and fell to 20 in 2023. It has since edged up, to 26 in 2024 and 28 in 2025. That rise of 8% came while similar lenders' loans fell 2% and the whole market grew 10%. The records do not say why volume fell after 2022.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. American Riviera Bank took 37 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 57.1% · Purchase 32.1% · Home improvement 10.7%
Conventional 100.0% · of 28 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 27 | 96.4% |
| Idaho | 1 | 3.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Santa Maria-Santa Barbara | 16 |
| San Luis Obispo-Paso Robles | 7 |
| Anaheim-Santa Ana-Irvine | 1 |
| Bakersfield-Delano | 1 |
| Oxnard-Thousand Oaks-Ventura | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549003O1765OJT2BV03 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3388482 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358281 | 2009–2016 |
Established 18 July 2006. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: American Riviera Bank's data.
American Riviera Bank's data
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American Riviera Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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