S&S Financial Mortgage Lending & HMDA Data, 2019
In 2019, S&S Financial of Laguna Hills, CA reported 234 mortgage applications totaling $85.0 million, up 244% from 2018. The average application was for $363,418, and applicants reported an average income of $65,076. 79% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (33), Los Angeles-Long Beach-Glendale, CA (29) and Anaheim-Santa Ana-Irvine, CA (21) (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 | 234 |
| Total Mortgage Loan Application Amount | $85,040,000 |
| Average Mortgage Loan Application Amount | $363,418 |
| Highest Mortgage Loan Application Amount | $825,000 |
| Average Applicant Income | $65,076 |
| Highest Applicant Income | $547,000 |
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Act (HMDA) records S&S Financial filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Riverside-San Bernardino-Ontario, CA | 33 | $ 10,795,000 | $ 327,121 | $ 92,000 |
| Los Angeles-Long Beach-Glendale, CA | 29 | $ 11,675,000 | $ 402,586 | $ 100,000 |
| Anaheim-Santa Ana-Irvine, CA | 21 | $ 10,375,000 | $ 494,047 | $ 91,000 |
| Las Vegas-Henderson-Paradise, NV | 13 | $ 3,565,000 | $ 274,230 | $ 55,000 |
| San Diego-Carlsbad, CA | 12 | $ 7,110,000 | $ 592,500 | $ 63,000 |
| Houston-The Woodlands-Sugar Land, TX | 10 | $ 2,710,000 | $ 271,000 | $ 34,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 10 | $ 3,270,000 | $ 327,000 | $ 66,000 |
| Colorado Springs, CO | 8 | $ 2,090,000 | $ 261,250 | $ 13,000 |
| Dallas-Plano-Irving, TX | 8 | $ 2,210,000 | $ 276,250 | $ 70,000 |
| Merced, CA | 8 | $ 2,400,000 | $ 300,000 | $ 38,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 8 | $ 2,640,000 | $ 330,000 | $ 56,000 |
| Denver-Aurora-Lakewood, CO | 7 | $ 2,385,000 | $ 340,714 | $ 42,000 |
| Vallejo-Fairfield, CA | 7 | $ 2,495,000 | $ 356,428 | $ 61,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 6 | $ 3,020,000 | $ 503,333 | $ 40,000 |
| Outside any metro area | 5 | $ 1,305,000 | $ 261,000 | $ 26,400 |
| San Antonio-New Braunfels, TX | 5 | $ 1,295,000 | $ 259,000 | $ 20,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 5 | $ 2,045,000 | $ 409,000 | $ 71,000 |
| Stockton-Lodi, CA | 5 | $ 1,315,000 | $ 263,000 | $ 69,000 |
| Modesto, CA | 3 | $ 785,000 | $ 261,666 | $ 41,000 |
| Salem, OR | 3 | $ 785,000 | $ 261,666 | $ 48,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 3 | $ 1,935,000 | $ 645,000 | $ 52,000 |
| Santa Rosa, CA | 3 | $ 1,005,000 | $ 335,000 | $ 74,000 |
| Bakersfield, CA | 2 | $ 570,000 | $ 285,000 | $ 0 |
| Bend-Redmond, OR | 2 | $ 830,000 | $ 415,000 | $ 141,000 |
| El Paso, TX | 2 | $ 700,000 | $ 350,000 | $ 0 |
| Salinas, CA | 2 | $ 970,000 | $ 485,000 | $ 40,000 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 920,000 | $ 460,000 | $ 138,000 |
| Austin-Round Rock, TX | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Carson City, NV | 1 | $ 275,000 | $ 275,000 | $ 73,000 |
| Eugene, OR | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Fort Collins, CO | 1 | $ 245,000 | $ 245,000 | $ 62,000 |
| Fort Worth-Arlington, TX | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Hanford-Corcoran, CA | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Napa, CA | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Redding, CA | 1 | $ 365,000 | $ 365,000 | $ 80,000 |
| Reno, NV | 1 | $ 265,000 | $ 265,000 | $ 74,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Tyler, TX | 1 | $ 215,000 | $ 215,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for S&S Financial in 2019
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 | 159 | $57,235,000 | $359,000 | $825,000 | $47,000 | $547,000 |
| Cash-out Refinancing | 53 | $19,535,000 | $368,000 | $665,000 | $99,000 | $244,000 |
| Home Purchase | 22 | $8,270,000 | $375,000 | $725,000 | $114,000 | $303,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 122 | $45,020,000 | $369,000 | $825,000 | $68,000 | $547,000 |
| Black or African American | 45 | $14,895,000 | $331,000 | $565,000 | $63,000 | $191,000 |
| Hispanic | 43 | $15,775,000 | $366,000 | $735,000 | $55,000 | $303,000 |
| Asian | 13 | $5,825,000 | $448,000 | $625,000 | $91,000 | $204,000 |
| Not Provided | 7 | $2,105,000 | $300,000 | $385,000 | $55,000 | $92,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,155,000 | $385,000 | $485,000 | $60,000 | $110,000 |
| American Indian or Alaskan Native | 1 | $265,000 | $265,000 | $265,000 | $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) | 125 | $47,425,000 | $379,000 | $825,000 | $26,000 | $162,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 109 | $37,615,000 | $345,000 | $725,000 | $110,000 | $547,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 184 | $69,540,000 | $377,000 | $825,000 | $65,000 | $547,000 |
| File Closed For Incompleteness | 24 | $6,700,000 | $279,000 | $645,000 | $62,000 | $240,000 |
| Application Withdrawn By Applicant | 15 | $5,215,000 | $347,000 | $665,000 | $87,000 | $230,000 |
| Application Denied By Financial Institution | 7 | $2,375,000 | $339,000 | $565,000 | $58,000 | $94,000 |
| Application Approved But Not Accepted | 4 | $1,210,000 | $302,000 | $455,000 | $35,000 | $95,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 227 | $82,665,000 | $364,000 | $825,000 | $66,000 | $547,000 |
| Credit Application Incomplete | 4 | $1,570,000 | $392,000 | $565,000 | $46,000 | $94,000 |
| Debt-To-Income Ratio | 2 | $510,000 | $255,000 | $285,000 | $67,000 | $81,000 |
| Credit History | 1 | $295,000 | $295,000 | $295,000 | $88,000 | $88,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&S Financial's 2019 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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