S&S Financial Mortgage Lending & HMDA Data, 2020
In 2020, S&S Financial of Laguna Hills, CA reported 523 mortgage applications totaling $205.0 million, up 124% from 2019. The average application was for $391,940, and applicants reported an average income of $103,456. 88% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Anaheim-Santa Ana-Irvine, CA (120), Los Angeles-Long Beach-Glendale, CA (93) and Riverside-San Bernardino-Ontario, CA (54) (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 | 523 |
| Total Mortgage Loan Application Amount | $204,985,000 |
| Average Mortgage Loan Application Amount | $391,940 |
| Highest Mortgage Loan Application Amount | $905,000 |
| Average Applicant Income | $103,456 |
| Highest Applicant Income | $476,000 |
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Act (HMDA) records S&S Financial filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Anaheim-Santa Ana-Irvine, CA | 120 | $ 54,530,000 | $ 454,416 | $ 153,000 |
| Los Angeles-Long Beach-Glendale, CA | 93 | $ 38,415,000 | $ 413,064 | $ 101,000 |
| Riverside-San Bernardino-Ontario, CA | 54 | $ 19,640,000 | $ 363,703 | $ 88,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 35 | $ 11,785,000 | $ 336,714 | $ 89,000 |
| Oakland-Hayward-Berkeley, CA | 27 | $ 11,865,000 | $ 439,444 | $ 117,000 |
| Las Vegas-Henderson-Paradise, NV | 23 | $ 7,525,000 | $ 327,173 | $ 66,000 |
| San Diego-Carlsbad, CA | 23 | $ 9,185,000 | $ 399,347 | $ 100,000 |
| Stockton-Lodi, CA | 20 | $ 5,800,000 | $ 290,000 | $ 68,000 |
| Austin-Round Rock, TX | 11 | $ 3,745,000 | $ 340,454 | $ 73,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 11 | $ 4,655,000 | $ 423,181 | $ 61,000 |
| Dallas-Plano-Irving, TX | 10 | $ 3,660,000 | $ 366,000 | $ 79,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 8 | $ 3,740,000 | $ 467,500 | $ 113,000 |
| Fresno, CA | 7 | $ 2,015,000 | $ 287,857 | $ 80,000 |
| Houston-The Woodlands-Sugar Land, TX | 6 | $ 2,170,000 | $ 361,666 | $ 104,000 |
| Vallejo-Fairfield, CA | 6 | $ 2,020,000 | $ 336,666 | $ 49,000 |
| Denver-Aurora-Lakewood, CO | 5 | $ 2,085,000 | $ 417,000 | $ 105,000 |
| Outside any metro area | 5 | $ 1,535,000 | $ 307,000 | $ 60,800 |
| Salinas, CA | 5 | $ 1,825,000 | $ 365,000 | $ 101,000 |
| San Antonio-New Braunfels, TX | 5 | $ 1,895,000 | $ 379,000 | $ 111,000 |
| Colorado Springs, CO | 4 | $ 990,000 | $ 247,500 | $ 7,000 |
| Merced, CA | 4 | $ 1,310,000 | $ 327,500 | $ 25,000 |
| Santa Maria-Santa Barbara, CA | 4 | $ 1,820,000 | $ 455,000 | $ 96,000 |
| Eugene, OR | 3 | $ 635,000 | $ 211,666 | $ 81,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 1,415,000 | $ 471,666 | $ 0 |
| Reno, NV | 3 | $ 765,000 | $ 255,000 | $ 93,000 |
| Salem, OR | 3 | $ 1,045,000 | $ 348,333 | $ 46,000 |
| San Francisco-Redwood City-South San Francisco, CA | 3 | $ 1,025,000 | $ 341,666 | $ 179,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 3 | $ 1,395,000 | $ 465,000 | $ 49,000 |
| Santa Rosa, CA | 3 | $ 1,165,000 | $ 388,333 | $ 52,000 |
| Bakersfield, CA | 2 | $ 570,000 | $ 285,000 | $ 93,000 |
| Bend-Redmond, OR | 2 | $ 540,000 | $ 270,000 | $ 37,000 |
| Modesto, CA | 2 | $ 490,000 | $ 245,000 | $ 0 |
| San Rafael, CA | 2 | $ 750,000 | $ 375,000 | $ 232,000 |
| Carson City, NV | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Fort Collins, CO | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Greeley, CO | 1 | $ 415,000 | $ 415,000 | $ 156,000 |
| Killeen-Temple, TX | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Madera, CA | 1 | $ 385,000 | $ 385,000 | $ 197,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 505,000 | $ 505,000 | $ 85,000 |
| Tyler, TX | 1 | $ 185,000 | $ 185,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for S&S Financial in 2020
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 | 397 | $149,305,000 | $376,000 | $765,000 | $97,000 | $476,000 |
| Cash-out Refinancing | 93 | $38,525,000 | $414,000 | $765,000 | $117,000 | $275,000 |
| Home Purchase | 31 | $16,655,000 | $537,000 | $905,000 | $144,000 | $413,000 |
| Home Improvement | 2 | $500,000 | $250,000 | $285,000 | $127,000 | $156,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 240 | $94,380,000 | $393,000 | $765,000 | $95,000 | $476,000 |
| Asian | 116 | $46,180,000 | $398,000 | $765,000 | $133,000 | $413,000 |
| Hispanic | 81 | $30,885,000 | $381,000 | $875,000 | $87,000 | $232,000 |
| Black or African American | 42 | $15,900,000 | $378,000 | $695,000 | $87,000 | $346,000 |
| Not Provided | 36 | $15,050,000 | $418,000 | $905,000 | $125,000 | $350,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $975,000 | $325,000 | $485,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $295,000 | $295,000 | $295,000 | $90,000 | $90,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 417 | $160,985,000 | $386,000 | $905,000 | $125,000 | $476,000 |
| VA-guaranteed (Veterans Administration) | 106 | $44,000,000 | $415,000 | $875,000 | $16,000 | $206,000 |
| 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 | 460 | $182,670,000 | $397,000 | $905,000 | $108,000 | $476,000 |
| Application Withdrawn By Applicant | 28 | $9,690,000 | $346,000 | $735,000 | $71,000 | $350,000 |
| File Closed For Incompleteness | 26 | $9,480,000 | $364,000 | $555,000 | $75,000 | $229,000 |
| Application Approved But Not Accepted | 5 | $1,715,000 | $343,000 | $585,000 | $49,000 | $98,000 |
| Application Denied By Financial Institution | 4 | $1,430,000 | $357,000 | $465,000 | $78,000 | $83,000 |
| 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 | 519 | $203,555,000 | $392,000 | $905,000 | $104,000 | $476,000 |
| Debt-To-Income Ratio | 2 | $660,000 | $330,000 | $345,000 | $79,000 | $83,000 |
| Credit Application Incomplete | 1 | $305,000 | $305,000 | $305,000 | $78,000 | $78,000 |
| Unverifiable Information | 1 | $465,000 | $465,000 | $465,000 | $78,000 | $78,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&S Financial's 2020 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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