S&S Financial Mortgage Lending & HMDA Data, 2021
In 2021, S&S Financial of Laguna Hills, CA reported 312 mortgage applications totaling $127.0 million, down 40% from 2020. The average application was for $407,147, and applicants reported an average income of $113,698. 87% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Anaheim-Santa Ana-Irvine, CA (52), Los Angeles-Long Beach-Glendale, CA (47) and Riverside-San Bernardino-Ontario, CA (44) (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 | 312 |
| Total Mortgage Loan Application Amount | $127,030,000 |
| Average Mortgage Loan Application Amount | $407,147 |
| Highest Mortgage Loan Application Amount | $1,295,000 |
| Average Applicant Income | $113,698 |
| 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Act (HMDA) records S&S Financial filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Anaheim-Santa Ana-Irvine, CA | 52 | $ 25,290,000 | $ 486,346 | $ 160,000 |
| Los Angeles-Long Beach-Glendale, CA | 47 | $ 18,235,000 | $ 387,978 | $ 128,000 |
| Riverside-San Bernardino-Ontario, CA | 44 | $ 17,860,000 | $ 405,909 | $ 111,000 |
| Las Vegas-Henderson-Paradise, NV | 24 | $ 7,850,000 | $ 327,083 | $ 92,000 |
| San Diego-Carlsbad, CA | 21 | $ 11,335,000 | $ 539,761 | $ 100,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 14 | $ 4,620,000 | $ 330,000 | $ 100,000 |
| Oakland-Hayward-Berkeley, CA | 11 | $ 5,315,000 | $ 483,181 | $ 94,000 |
| Dallas-Plano-Irving, TX | 10 | $ 3,510,000 | $ 351,000 | $ 127,000 |
| Stockton-Lodi, CA | 8 | $ 2,400,000 | $ 300,000 | $ 81,000 |
| Denver-Aurora-Lakewood, CO | 7 | $ 2,755,000 | $ 393,571 | $ 80,000 |
| Fresno, CA | 6 | $ 2,050,000 | $ 341,666 | $ 132,000 |
| Reno, NV | 6 | $ 2,050,000 | $ 341,666 | $ 141,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 5 | $ 2,325,000 | $ 465,000 | $ 143,000 |
| Outside any metro area | 4 | $ 980,000 | $ 245,000 | $ 105,750 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 1,450,000 | $ 362,500 | $ 91,000 |
| San Francisco-Redwood City-South San Francisco, CA | 4 | $ 1,480,000 | $ 370,000 | $ 91,000 |
| Santa Maria-Santa Barbara, CA | 4 | $ 1,650,000 | $ 412,500 | $ 83,000 |
| Vallejo-Fairfield, CA | 4 | $ 1,760,000 | $ 440,000 | $ 73,000 |
| Austin-Round Rock, TX | 3 | $ 1,135,000 | $ 378,333 | $ 103,000 |
| Carson City, NV | 3 | $ 1,075,000 | $ 358,333 | $ 64,000 |
| Madera, CA | 3 | $ 1,195,000 | $ 398,333 | $ 140,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 1,315,000 | $ 438,333 | $ 57,000 |
| Salinas, CA | 3 | $ 1,455,000 | $ 485,000 | $ 76,000 |
| San Antonio-New Braunfels, TX | 3 | $ 1,305,000 | $ 435,000 | $ 0 |
| Colorado Springs, CO | 2 | $ 540,000 | $ 270,000 | $ 37,000 |
| Eugene, OR | 2 | $ 520,000 | $ 260,000 | $ 93,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 410,000 | $ 205,000 | $ 34,000 |
| Merced, CA | 2 | $ 800,000 | $ 400,000 | $ 112,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 890,000 | $ 445,000 | $ 143,000 |
| Santa Rosa, CA | 2 | $ 900,000 | $ 450,000 | $ 109,000 |
| Bend-Redmond, OR | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Greeley, CO | 1 | $ 405,000 | $ 405,000 | $ 162,000 |
| Midland, TX | 1 | $ 285,000 | $ 285,000 | $ 77,000 |
| Modesto, CA | 1 | $ 365,000 | $ 365,000 | $ 239,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 505,000 | $ 505,000 | $ 0 |
| San Rafael, CA | 1 | $ 515,000 | $ 515,000 | $ 99,000 |
| Visalia-Porterville, CA | 1 | $ 205,000 | $ 205,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for S&S Financial in 2021
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 | 199 | $79,495,000 | $399,000 | $1,295,000 | $98,000 | $547,000 |
| Cash-out Refinancing | 80 | $34,210,000 | $427,000 | $915,000 | $132,000 | $388,000 |
| Home Purchase | 33 | $13,325,000 | $403,000 | $745,000 | $164,000 | $399,000 |
| 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 | 155 | $61,585,000 | $397,000 | $1,295,000 | $112,000 | $547,000 |
| Hispanic | 64 | $27,890,000 | $435,000 | $875,000 | $96,000 | $388,000 |
| Asian | 60 | $25,570,000 | $426,000 | $825,000 | $153,000 | $459,000 |
| Black or African American | 31 | $11,025,000 | $355,000 | $605,000 | $93,000 | $399,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $960,000 | $480,000 | $485,000 | $42,000 | $84,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 245 | $94,965,000 | $387,000 | $825,000 | $134,000 | $547,000 |
| VA-guaranteed (Veterans Administration) | 67 | $32,065,000 | $478,000 | $1,295,000 | $40,000 | $388,000 |
| 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 | 270 | $111,370,000 | $412,000 | $1,295,000 | $115,000 | $459,000 |
| Application Withdrawn By Applicant | 14 | $4,820,000 | $344,000 | $585,000 | $95,000 | $265,000 |
| File Closed For Incompleteness | 13 | $5,255,000 | $404,000 | $765,000 | $175,000 | $547,000 |
| Application Denied By Financial Institution | 8 | $3,340,000 | $417,000 | $715,000 | $71,000 | $143,000 |
| Application Approved But Not Accepted | 7 | $2,245,000 | $320,000 | $505,000 | $66,000 | $162,000 |
| 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 | 304 | $123,690,000 | $406,000 | $1,295,000 | $115,000 | $547,000 |
| Other | 2 | $1,130,000 | $565,000 | $715,000 | $22,000 | $44,000 |
| Credit Application Incomplete | 2 | $730,000 | $365,000 | $395,000 | $63,000 | $126,000 |
| Debt-To-Income Ratio | 2 | $840,000 | $420,000 | $485,000 | $120,000 | $143,000 |
| Credit History | 1 | $365,000 | $365,000 | $365,000 | $59,000 | $59,000 |
| Unverifiable Information | 1 | $275,000 | $275,000 | $275,000 | $103,000 | $103,000 |
| 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 2021 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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