Security Savings Bank, FSB Mortgage Lending & HMDA Data, 2004

In 2004, Security Savings Bank, FSB of Olathe, KS reported 1,555 mortgage applications totaling $188.5 million, down 31% from 2003. The average application was for $121,203, and applicants reported an average income of $65,944. 85% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Wichita, KS (194), Kansas City, MO-KS (93) and Oklahoma City, OK (29) (applications in parentheses).

Mortgage Company & Address Security Savings Bank, FSB
11599 Ridgeview Rd
Olathe, KS 66061
Tel #: available with data download
Federal Regulator * available with data download
Years 2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 1,555
Total Mortgage Loan Application Amount $188,472,000
Average Mortgage Loan Application Amount $121,203
Highest Mortgage Loan Application Amount $1,300,000
Average Applicant Income $65,944
Highest Applicant Income $748,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Security Savings Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Security Savings Bank, FSB by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Saline, Kansas 299 $ 27,666,000 $ 92,528 $ 55,000
Finney, Kansas 253 $ 20,308,000 $ 80,268 $ 55,000
Johnson, Kansas 234 $ 43,437,000 $ 185,628 $ 98,000
Sedgwick, Kansas 184 $ 18,343,000 $ 99,690 $ 53,000
Jackson, Missouri 62 $ 7,282,000 $ 117,451 $ 70,000
Seward, Kansas 48 $ 3,796,000 $ 79,083 $ 51,000
Wyandotte, Kansas 43 $ 3,874,000 $ 90,093 $ 54,000
Leavenworth, Kansas 19 $ 2,787,000 $ 146,684 $ 64,000
Ottawa, Kansas 19 $ 1,974,000 $ 103,894 $ 43,000
Cass, Missouri 16 $ 2,358,000 $ 147,375 $ 91,000
McPherson, Kansas 15 $ 1,840,000 $ 122,666 $ 51,000
Oklahoma, Oklahoma 15 $ 1,670,000 $ 111,333 $ 51,000
Dickinson, Kansas 12 $ 1,012,000 $ 84,333 $ 61,000
Haskell, Kansas 12 $ 815,000 $ 67,916 $ 61,000
Clay, Missouri 11 $ 1,466,000 $ 133,272 $ 63,000
Stevens, Kansas 9 $ 577,000 $ 64,111 $ 47,000
Miami, Kansas 7 $ 1,202,000 $ 171,714 $ 65,000
Texas, Oklahoma 7 $ 593,000 $ 84,714 $ 44,000
Butler, Kansas 6 $ 763,000 $ 127,166 $ 45,000
Meade, Kansas 6 $ 403,000 $ 67,166 $ 43,000
Canadian, Oklahoma 6 $ 966,000 $ 161,000 $ 79,000
Cleveland, Oklahoma 6 $ 654,000 $ 109,000 $ 93,000
Ford, Kansas 5 $ 350,000 $ 70,000 $ 34,000
Kearny, Kansas 5 $ 257,000 $ 51,400 $ 31,000
Shawnee, Kansas 5 $ 496,000 $ 99,200 $ 61,000
Maricopa, Arizona 4 $ 961,000 $ 240,250 $ 102,000
Orange, California 4 $ 622,000 $ 155,500 $ 81,000
Cook, Illinois 4 $ 705,000 $ 176,250 $ 76,000
Ellsworth, Kansas 4 $ 366,000 $ 91,500 $ 77,000
Scott, Kansas 4 $ 330,000 $ 82,500 $ 46,000
Platte, Missouri 4 $ 524,000 $ 131,000 $ 69,000
Clark, Nevada 4 $ 1,232,000 $ 308,000 $ 110,000
Orange, New York 4 $ 868,000 $ 217,000 $ 90,000
Beaver, Oklahoma 4 $ 347,000 $ 86,750 $ 63,000
Chester, Pennsylvania 4 $ 574,000 $ 143,500 $ 106,000
Delaware, Pennsylvania 4 $ 421,000 $ 105,250 $ 77,000
Limestone, Alabama 3 $ 383,000 $ 127,666 $ 128,000
San Bernardino, California 3 $ 591,000 $ 197,000 $ 81,000
Arapahoe, Colorado 3 $ 727,000 $ 242,333 $ 80,000
Palm Beach, Florida 3 $ 648,000 $ 216,000 $ 102,000
Cobb, Georgia 3 $ 357,000 $ 119,000 $ 105,000
DuPage, Illinois 3 $ 609,000 $ 203,000 $ 78,000
Will, Illinois 3 $ 322,000 $ 107,333 $ 62,000
Gray, Kansas 3 $ 406,000 $ 135,333 $ 52,000
Harvey, Kansas 3 $ 267,000 $ 89,000 $ 107,000
Riley, Kansas 3 $ 198,000 $ 66,000 $ 107,000
Stanton, Kansas 3 $ 209,000 $ 69,666 $ 60,000
Jasper, Missouri 3 $ 354,000 $ 118,000 $ 101,000
Douglas, Nebraska 3 $ 761,000 $ 253,666 $ 214,000
Washoe, Nevada 3 $ 758,000 $ 252,666 $ 118,000
Tulsa, Oklahoma 3 $ 458,000 $ 152,666 $ 110,000
Pulaski, Arkansas 2 $ 156,000 $ 78,000 $ 64,000
San Diego, California 2 $ 328,000 $ 164,000 $ 66,000
Boulder, Colorado 2 $ 433,000 $ 216,500 $ 51,000
Douglas, Colorado 2 $ 488,000 $ 244,000 $ 71,000
Franklin, Florida 2 $ 577,000 $ 288,500 $ 440,000
Honolulu, Hawaii 2 $ 1,001,000 $ 500,500 $ 110,000
Kauai, Hawaii 2 $ 697,000 $ 348,500 $ 78,000
Boise, Idaho 2 $ 200,000 $ 100,000 $ 42,000
Kootenai, Idaho 2 $ 400,000 $ 200,000 $ 128,000
Knox, Indiana 2 $ 482,000 $ 241,000 $ 350,000
Douglas, Kansas 2 $ 203,000 $ 101,500 $ 130,000
Franklin, Kansas 2 $ 195,000 $ 97,500 $ 30,000
York, Maine 2 $ 369,000 $ 184,500 $ 82,000
Anoka, Minnesota 2 $ 420,000 $ 210,000 $ 90,000
Camden, Missouri 2 $ 178,000 $ 89,000 $ 74,000
Stone, Missouri 2 $ 156,000 $ 78,000 $ 86,000
Comanche, Oklahoma 2 $ 235,000 $ 117,500 $ 65,000
Grady, Oklahoma 2 $ 117,000 $ 58,500 $ 33,000
Bucks, Pennsylvania 2 $ 405,000 $ 202,500 $ 57,000
Lehigh, Pennsylvania 2 $ 193,000 $ 96,500 $ 52,000
Montgomery, Pennsylvania 2 $ 487,000 $ 243,500 $ 96,000
Philadelphia, Pennsylvania 2 $ 307,000 $ 153,500 $ 90,000
Greenville, South Carolina 2 $ 181,000 $ 90,500 $ 60,000
Montgomery, Texas 2 $ 515,000 $ 257,500 $ 110,000
Williamson, Texas 2 $ 346,000 $ 173,000 $ 101,000
Fairfax, Virginia 2 $ 510,000 $ 255,000 $ 145,000
Prince William, Virginia 2 $ 391,000 $ 195,500 $ 97,000
Calhoun, Alabama 1 $ 107,000 $ 107,000 $ 47,000
Pima, Arizona 1 $ 150,000 $ 150,000 $ 154,000
Hot Spring, Arkansas 1 $ 141,000 $ 141,000 $ 185,000
Washington, Arkansas 1 $ 178,000 $ 178,000 $ 0
Kern, California 1 $ 230,000 $ 230,000 $ 57,000
Los Angeles, California 1 $ 350,000 $ 350,000 $ 90,000
Riverside, California 1 $ 333,000 $ 333,000 $ 195,000
Sacramento, California 1 $ 270,000 $ 270,000 $ 175,000
Adams, Colorado 1 $ 213,000 $ 213,000 $ 69,000
Denver, Colorado 1 $ 155,000 $ 155,000 $ 37,000
Gilpin, Colorado 1 $ 195,000 $ 195,000 $ 63,000
Jefferson, Colorado 1 $ 280,000 $ 280,000 $ 101,000
Middlesex, Connecticut 1 $ 200,000 $ 200,000 $ 147,000
New London, Connecticut 1 $ 216,000 $ 216,000 $ 88,000
New Castle, Delaware 1 $ 248,000 $ 248,000 $ 88,000
Sussex, Delaware 1 $ 372,000 $ 372,000 $ 411,000
Bay, Florida 1 $ 224,000 $ 224,000 $ 90,000
Lee, Florida 1 $ 310,000 $ 310,000 $ 76,000
Martin, Florida 1 $ 390,000 $ 390,000 $ 130,000
Polk, Florida 1 $ 191,000 $ 191,000 $ 142,000
Fulton, Georgia 1 $ 76,000 $ 76,000 $ 26,000
Hall, Georgia 1 $ 206,000 $ 206,000 $ 0
Pickens, Georgia 1 $ 99,000 $ 99,000 $ 367,000
Kane, Illinois 1 $ 233,000 $ 233,000 $ 69,000
Kankakee, Illinois 1 $ 116,000 $ 116,000 $ 60,000
Kendall, Illinois 1 $ 142,000 $ 142,000 $ 87,000
Peoria, Illinois 1 $ 93,000 $ 93,000 $ 237,000
Wayne, Illinois 1 $ 137,000 $ 137,000 $ 74,000
Lake, Indiana 1 $ 85,000 $ 85,000 $ 44,000
Woodbury, Iowa 1 $ 136,000 $ 136,000 $ 89,000
Allen, Kansas 1 $ 50,000 $ 50,000 $ 20,000
Atchison, Kansas 1 $ 139,000 $ 139,000 $ 84,000
Barton, Kansas 1 $ 67,000 $ 67,000 $ 32,000
Clark, Kansas 1 $ 208,000 $ 208,000 $ 79,000
Cloud, Kansas 1 $ 23,000 $ 23,000 $ 23,000
Cowley, Kansas 1 $ 28,000 $ 28,000 $ 49,000
Edwards, Kansas 1 $ 75,000 $ 75,000 $ 38,000
Grant, Kansas 1 $ 113,000 $ 113,000 $ 58,000
Hamilton, Kansas 1 $ 135,000 $ 135,000 $ 70,000
Jefferson, Kansas 1 $ 108,000 $ 108,000 $ 60,000
Lincoln, Kansas 1 $ 48,000 $ 48,000 $ 43,000
Marion, Kansas 1 $ 88,000 $ 88,000 $ 134,000
Mitchell, Kansas 1 $ 92,000 $ 92,000 $ 37,000
Pratt, Kansas 1 $ 30,000 $ 30,000 $ 12,000
Sumner, Kansas 1 $ 104,000 $ 104,000 $ 43,000
Jefferson, Kentucky 1 $ 94,000 $ 94,000 $ 78,000
Orleans, Louisiana 1 $ 115,000 $ 115,000 $ 41,000
Rapides, Louisiana 1 $ 199,000 $ 199,000 $ 86,000
Vermilion, Louisiana 1 $ 104,000 $ 104,000 $ 45,000
Cumberland, Maine 1 $ 208,000 $ 208,000 $ 91,000
Charles, Maryland 1 $ 182,000 $ 182,000 $ 60,000
Montgomery, Maryland 1 $ 333,000 $ 333,000 $ 170,000
Worcester, Massachusetts 1 $ 161,000 $ 161,000 $ 72,000
Kent, Michigan 1 $ 162,000 $ 162,000 $ 90,000
Saginaw, Michigan 1 $ 149,000 $ 149,000 $ 78,000
Sanilac, Michigan 1 $ 90,000 $ 90,000 $ 47,000
Wayne, Michigan 1 $ 160,000 $ 160,000 $ 63,000
Hennepin, Minnesota 1 $ 333,000 $ 333,000 $ 162,000
DeSoto, Mississippi 1 $ 62,000 $ 62,000 $ 48,000
Harrison, Mississippi 1 $ 50,000 $ 50,000 $ 73,000
Benton, Missouri 1 $ 98,000 $ 98,000 $ 91,000
Johnson, Missouri 1 $ 120,000 $ 120,000 $ 43,000
Taney, Missouri 1 $ 92,000 $ 92,000 $ 100,000
Rockingham, New Hampshire 1 $ 262,000 $ 262,000 $ 54,000
Burlington, New Jersey 1 $ 186,000 $ 186,000 $ 57,000
Essex, New Jersey 1 $ 260,000 $ 260,000 $ 120,000
Gloucester, New Jersey 1 $ 119,000 $ 119,000 $ 53,000
Morris, New Jersey 1 $ 330,000 $ 330,000 $ 203,000
Passaic, New Jersey 1 $ 630,000 $ 630,000 $ 88,000
Sandoval, New Mexico 1 $ 130,000 $ 130,000 $ 108,000
Santa Fe, New Mexico 1 $ 343,000 $ 343,000 $ 214,000
Albany, New York 1 $ 272,000 $ 272,000 $ 52,000
Dutchess, New York 1 $ 145,000 $ 145,000 $ 62,000
New York, New York 1 $ 400,000 $ 400,000 $ 242,000
Westchester, New York 1 $ 333,000 $ 333,000 $ 90,000
Cumberland, North Carolina 1 $ 65,000 $ 65,000 $ 65,000
Iredell, North Carolina 1 $ 140,000 $ 140,000 $ 64,000
Mecklenburg, North Carolina 1 $ 492,000 $ 492,000 $ 148,000
Union, North Carolina 1 $ 610,000 $ 610,000 $ 0
Wake, North Carolina 1 $ 208,000 $ 208,000 $ 133,000
Warren, Ohio 1 $ 155,000 $ 155,000 $ 48,000
Carter, Oklahoma 1 $ 113,000 $ 113,000 $ 36,000
Payne, Oklahoma 1 $ 103,000 $ 103,000 $ 100,000
Rogers, Oklahoma 1 $ 268,000 $ 268,000 $ 66,000
Union, Oregon 1 $ 171,000 $ 171,000 $ 99,000
Allegheny, Pennsylvania 1 $ 142,000 $ 142,000 $ 129,000
Huntingdon, Pennsylvania 1 $ 112,000 $ 112,000 $ 52,000
Lawrence, Pennsylvania 1 $ 96,000 $ 96,000 $ 35,000
Lycoming, Pennsylvania 1 $ 156,000 $ 156,000 $ 76,000
Northampton, Pennsylvania 1 $ 155,000 $ 155,000 $ 55,000
Charleston, South Carolina 1 $ 290,000 $ 290,000 $ 106,000
Sumter, South Carolina 1 $ 59,000 $ 59,000 $ 37,000
Cumberland, Tennessee 1 $ 65,000 $ 65,000 $ 33,000
Washington, Tennessee 1 $ 274,000 $ 274,000 $ 102,000
Burnet, Texas 1 $ 154,000 $ 154,000 $ 65,000
Taylor, Texas 1 $ 80,000 $ 80,000 $ 22,000
Addison, Vermont 1 $ 120,000 $ 120,000 $ 35,000
Chittenden, Vermont 1 $ 290,000 $ 290,000 $ 93,000
Washington, Vermont 1 $ 148,000 $ 148,000 $ 34,000
Windham, Vermont 1 $ 180,000 $ 180,000 $ 80,000
Williamsburg, Virginia 1 $ 180,000 $ 180,000 $ 70,000
Pierce, Washington 1 $ 192,000 $ 192,000 $ 55,000
Spokane, Washington 1 $ 132,000 $ 132,000 $ 63,000
Jefferson, West Virginia 1 $ 200,000 $ 200,000 $ 73,000
Milwaukee, Wisconsin 1 $ 162,000 $ 162,000 $ 54,000
St. Croix, Wisconsin 1 $ 292,000 $ 292,000 $ 89,000
Winnebago, Wisconsin 1 $ 180,000 $ 180,000 $ 125,000
Converse, Wyoming 1 $ 125,000 $ 125,000 $ 52,000

Mortgage Loan Application Detail Totals for Security Savings Bank, FSB in 2004

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
Home Purchase 864 $106,846,000 $210,925 $1,300,000 $118,825 $739,000
Refinancing 674 $80,326,000 $183,058 $800,000 $81,088 $748,000
Home Improvement 17 $1,300,000 $76,000 $334,000 $52,000 $134,000

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 1,120 $133,935,000 $193,444 $1,300,000 $113,388 $739,000
Hispanic 194 $15,098,000 $148,142 $509,000 $103,857 $748,000
Not Provided 165 $28,460,000 $194,243 $610,000 $82,378 $664,000
Asian 35 $3,912,000 $189,666 $400,000 $123,500 $242,000
Black or African American 34 $4,471,000 $190,600 $412,000 $118,200 $411,000
American Indian or Alaskan Native 7 $2,596,000 $253,000 $1,000,000 $92,333 $352,000
Native Hawaiian or Other Pacific Islander 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
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,382 $171,626,000 $193,090 $1,300,000 $100,272 $748,000
FHA-insured (Federal Housing Administration) 145 $13,088,000 $93,750 $198,000 $46,000 $185,000
VA-guaranteed (Veterans Administration) 28 $3,758,000 $125,500 $223,000 $43,500 $86,000
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 1,315 $161,764,000 $192,142 $1,300,000 $103,857 $748,000
Application Withdrawn By Applicant 125 $15,063,000 $222,705 $610,000 $72,823 $664,000
Application Denied By Financial Institution 102 $9,392,000 $175,866 $630,000 $65,666 $259,000
Application Approved But Not Accepted 12 $2,073,000 $199,857 $340,000 $112,571 $237,000
File Closed For Incompleteness 1 $180,000 $180,000 $180,000 $70,000 $70,000
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
Credit History 52 $3,580,000 $105,000 $160,000 $48,428 $108,000
Debt-To-Income Ratio 33 $4,044,000 $270,000 $630,000 $50,571 $88,000
Other 9 $821,000 $100,333 $180,000 $88,333 $259,000
Collateral 5 $661,000 $145,250 $195,000 $84,250 $129,000
Employment History 2 $113,000 $56,000 $78,000 $37,000 $58,000
Unverifiable Information 1 $173,000 $173,000 $173,000 $80,000 $80,000
Credit Application Incomplete 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 Security Savings Bank, FSB's 2004 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 Security Savings Bank, FSB'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.
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