At a glance
From its website, read 2 Nov 2026Housing Trust Fund of Santa Barbara County is a loan fund based in Santa Barbara, California. Its website describes affordable housing development loans and home mortgages. Stated loan amounts run up to $200,000. Where it lends: Entire County of Santa Barbara, California, including urban cities and unincorporated rural areas.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (805) 770-5261 source |
|---|---|
| Lending | (805) 845-3585 source |
| Website | www.sbhousingtrust.org |
| Office (official list) | 924 Anacapa St. Suite 2Q, Santa Barbara, CA 93101 |
What their website says about applying
to discuss the eligibility of your project and the current availability of funds and obtain a preliminary loan application.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Home mortgages | Term: see their wording | provides 10-year simple interest only down payment loans up to $125,000 | source |
| Home mortgages | Term: see their wording | Loans for market rate homes have a 10-year term and loans for affordable resale restricted homes have a 15-year term. | source |
| Home mortgages | Term: see their wording | provides 30-year deferred down payment loans up to $200,000 | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Income limit applies
provides down payment loans up to $200,000 for households with income under 80% of AMI
source - First-time homebuyer program
provides 30-year deferred down payment loans up to $200,000 for first-time low-income homebuyers
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 17 Sep 2013 |
| RSSD ID | — (none listed) |
| Address | 924 Anacapa St. Suite 2Q, Santa Barbara, CA 93101 Directions (Google Maps) |
| Website | www.sbhousingtrust.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Housing Innovations is a research program rather than a loan product, so it is excluded. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Affordable housing development loans | — | HTF operates a $7.4 million Revolving Loan Fund in partnership with community lenders to provide below-market interest rate loans to qualified sponsors to initiate affordable rental or homeownership housing projects. | source |
| Home mortgages | up to $200,000 | Our innovative Workforce Homebuyer Program provides down payment loans up to $200,000 for households with income under 80% of AMI and up to $125,000 for households income from 80% to 230% AMI. | source |
Loan sizes
Our innovative Workforce Homebuyer Program provides down payment loans up to $200,000 for households with income under 80% of AMI and up to $125,000 for households income from 80% to 230% AMI.
source
Range used for the size filter: not stated to $200,000
Service area
Entire County of Santa Barbara, California, including urban cities and unincorporated rural areas
HTF’s geographical service area encompasses the entire County of Santa Barbara, California, including the urban cities of Carpinteria, Santa Barbara, Goleta, Buellton, Solvang, Lompoc, Santa Maria and Guadalupe and the unincorporated rural areas.
source
Counties this matches: Santa Barbara County, CA
Borrower focus
- First-time homebuyers
In April 2022 the HTF reactivated its North County Workforce Homebuyer Program. This $4.4 million homebuyer assistance program provides 30-year deferred down payment loans up to $200,000 for first-time low-income homebuyers (Max of 80% AMI).
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.sbhousingtrust.org/
- https://www.sbhousingtrust.org/post/housing-trust-fund-s-loan-program-helps-first-time-homebuyers-enter-expensive-santa-barbara-market
- https://www.sbhousingtrust.org/revolving-loan-fund-for-affordable-housing
- https://www.sbhousingtrust.org/housing-innovations
- https://www.sbhousingtrust.org/workforce-homebuyer-program
- https://www.sbhousingtrust.org/programs/workforce-homebuyer-program
- https://www.sbhousingtrust.org/post/htf-provides-home-buyer-down-payment-loans-in-carpinteria
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Is there a minimum loan amount?
Their website gives a maximum ($200,000) but no minimum. - What is the APR, including fees, on your home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your affordable housing development loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$4.5 million in 8 awards from the U.S. Treasury's CDFI Fund, 2009–2021 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $1,038,000 |
| 2017 | CDFI Program, Financial Assistance | $350,000 |
| 2015 | CDFI Program, Financial Assistance | $700,000 |
| 2013 | CDFI Program, Financial Assistance | $600,000 |
| 2012 | CDFI Program, Financial Assistance | $600,000 |
| 2011 | CDFI Program, Financial Assistance | $600,000 |
| 2010 | CDFI Program, Financial Assistance | $500,000 |
| 2009 | CDFI Program, Technical Assistance | $93,210 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Jun 2023| Total assets | $9.1M |
|---|---|
| Total liabilities | $2.1M |
| Net assets | $7M |
| Total revenue | $2.6M |
| Notes and loans receivable, net (Part X line 7) | $6.7M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending June 2023 (tax year 2022; EIN 43-2007672, filed as “HOUSING TR FUND OF SANTA BARBARA COUNTY INC”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Jun 2021 (990) | $6.8M | $4.2M | $393,525 | $4.1M |
| Jun 2022 (990) | $7.8M | $4.9M | $1.2M | $5M |
| Jun 2023 (990) | $9.1M | $7M | $2.6M | $6.7M |
Total assets grew 33% from Jun 2021 to Jun 2023; notes and loans receivable rose 63%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $200,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 34% of these 184. |
| Total assets, latest IRS Form 990 | $9.1M | Larger than 23% of the 47 other certified loan funds and venture funds in California with a matched Form 990 (median $18.6M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 34% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in California | 47 | larger than 23% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Santa Barbara and California
- AccessityLoan fund · San Diego, CASmall-business loansVerified
- Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Altura Credit UnionCredit union · Riverside, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- American Nonprofits, Inc.Loan fund · Santa Cruz, CAVerified
- Apoyo Financiero Inc.Loan fund · Concord, CAPersonal / consumer loans, Small-business loansVerified
Work at Housing Trust Fund of Santa Barbara County? Link to this page
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