S&S Financial Mortgage Lending & HMDA Data, 2017
In 2017, S&S Financial of Laguna Hills, CA reported 193 mortgage applications totaling $76.9 million. The average application was for $398,430, and applicants reported an average income of $66,119. 76% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (31), Los Angeles-Long Beach-Glendale, CA (27) and San Diego-Carlsbad, CA (24) (applications in parentheses).
| Mortgage Company & Address | S&S Financial 23332 Mill Creek Drive #235 Laguna Hills, CA 92653 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 193 |
| Total Mortgage Loan Application Amount | $76,897,000 |
| Average Mortgage Loan Application Amount | $398,430 |
| Highest Mortgage Loan Application Amount | $825,000 |
| Average Applicant Income | $66,119 |
| Highest Applicant Income | $302,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records S&S Financial filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 27 | $ 10,930,000 | $ 404,814 | $ 67,000 |
| San Diego, California | 24 | $ 11,231,000 | $ 467,958 | $ 58,000 |
| Orange, California | 22 | $ 11,122,000 | $ 505,545 | $ 103,000 |
| Riverside, California | 22 | $ 8,015,000 | $ 364,318 | $ 86,000 |
| San Bernardino, California | 9 | $ 3,473,000 | $ 385,888 | $ 78,000 |
| Ventura, California | 8 | $ 3,697,000 | $ 462,125 | $ 52,000 |
| Sacramento, California | 7 | $ 2,181,000 | $ 311,571 | $ 33,000 |
| Adams, Colorado | 7 | $ 2,210,000 | $ 315,714 | $ 22,000 |
| San Joaquin, California | 6 | $ 1,358,000 | $ 226,333 | $ 56,000 |
| Solano, California | 6 | $ 1,760,000 | $ 293,333 | $ 22,000 |
| Alameda, California | 4 | $ 2,654,000 | $ 663,500 | $ 52,000 |
| Contra Costa, California | 4 | $ 2,247,000 | $ 561,750 | $ 157,000 |
| Arapahoe, Colorado | 3 | $ 802,000 | $ 267,333 | $ 20,000 |
| Bexar, Texas | 3 | $ 1,104,000 | $ 368,000 | $ 67,000 |
| Fresno, California | 2 | $ 522,000 | $ 261,000 | $ 99,000 |
| Kern, California | 2 | $ 427,000 | $ 213,500 | $ 52,000 |
| Placer, California | 2 | $ 804,000 | $ 402,000 | $ 222,000 |
| San Benito, California | 2 | $ 828,000 | $ 414,000 | $ 35,000 |
| Santa Barbara, California | 2 | $ 598,000 | $ 299,000 | $ 0 |
| Santa Clara, California | 2 | $ 1,178,000 | $ 589,000 | $ 138,000 |
| Stanislaus, California | 2 | $ 854,000 | $ 427,000 | $ 91,000 |
| Denver, Colorado | 2 | $ 668,000 | $ 334,000 | $ 0 |
| Douglas, Colorado | 2 | $ 700,000 | $ 350,000 | $ 61,000 |
| El Paso, Colorado | 2 | $ 691,000 | $ 345,500 | $ 46,000 |
| Marion, Oregon | 2 | $ 711,000 | $ 355,500 | $ 33,000 |
| Denton, Texas | 2 | $ 451,000 | $ 225,500 | $ 75,000 |
| Tarrant, Texas | 2 | $ 628,000 | $ 314,000 | $ 32,000 |
| Calaveras, California | 1 | $ 273,000 | $ 273,000 | $ 51,000 |
| El Dorado, California | 1 | $ 825,000 | $ 825,000 | $ 148,000 |
| Imperial, California | 1 | $ 312,000 | $ 312,000 | $ 90,000 |
| Merced, California | 1 | $ 252,000 | $ 252,000 | $ 0 |
| Napa, California | 1 | $ 548,000 | $ 548,000 | $ 87,000 |
| Tuolumne, California | 1 | $ 297,000 | $ 297,000 | $ 89,000 |
| Jefferson, Colorado | 1 | $ 276,000 | $ 276,000 | $ 0 |
| Lake, Colorado | 1 | $ 308,000 | $ 308,000 | $ 0 |
| Clackamas, Oregon | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Lincoln, Oregon | 1 | $ 238,000 | $ 238,000 | $ 0 |
| Chambers, Texas | 1 | $ 290,000 | $ 290,000 | $ 0 |
| Comal, Texas | 1 | $ 249,000 | $ 249,000 | $ 66,000 |
| Guadalupe, Texas | 1 | $ 211,000 | $ 211,000 | $ 77,000 |
| Kerr, Texas | 1 | $ 239,000 | $ 239,000 | $ 0 |
| Travis, Texas | 1 | $ 235,000 | $ 235,000 | $ 0 |
Mortgage Loan Application Detail Totals for S&S Financial in 2017
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 192 | $76,600,000 | $398,000 | $825,000 | $66,000 | $302,000 |
| Home Purchase | 1 | $297,000 | $297,000 | $297,000 | $89,000 | $89,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 111 | $44,895,000 | $404,000 | $825,000 | $68,000 | $302,000 |
| Hispanic | 41 | $15,632,000 | $381,000 | $774,000 | $70,000 | $277,000 |
| Asian | 20 | $9,561,000 | $478,000 | $781,000 | $66,000 | $275,000 |
| Black or African American | 19 | $5,918,000 | $311,000 | $470,000 | $48,000 | $125,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $551,000 | $551,000 | $551,000 | $102,000 | $102,000 |
| Not Provided | 1 | $340,000 | $340,000 | $340,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| VA-guaranteed (Veterans Administration) | 118 | $48,112,000 | $407,000 | $816,000 | $46,000 | $277,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 60 | $22,158,000 | $369,000 | $825,000 | $111,000 | $302,000 |
| FHA-insured (Federal Housing Administration) | 15 | $6,627,000 | $441,000 | $781,000 | $50,000 | $156,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 146 | $59,974,000 | $410,000 | $825,000 | $69,000 | $302,000 |
| File Closed For Incompleteness | 23 | $8,946,000 | $388,000 | $720,000 | $56,000 | $149,000 |
| Application Withdrawn By Applicant | 21 | $6,948,000 | $330,000 | $596,000 | $68,000 | $253,000 |
| Application Denied By Financial Institution | 3 | $1,029,000 | $343,000 | $475,000 | $17,000 | $52,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 2 | $554,000 | $277,000 | $316,000 | $26,000 | $52,000 |
| Debt-To-Income Ratio | 1 | $475,000 | $475,000 | $475,000 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&S Financial's 2017 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess S&S Financial's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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