Security Savings Bank, FSB Mortgage Lending & HMDA Data, 2006
In 2006, Security Savings Bank, FSB of Olathe, KS reported 1,509 mortgage applications totaling $189.6 million, down 39% from 2005. The average application was for $125,670, and applicants reported an average income of $73,279. 85% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Kansas City, MO-KS (368), Wichita, KS (259) and Oklahoma City, OK (53) (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 | 1,509 |
| Total Mortgage Loan Application Amount | $189,637,000 |
| Average Mortgage Loan Application Amount | $125,670 |
| Highest Mortgage Loan Application Amount | $1,283,000 |
| Average Applicant Income | $73,279 |
| Highest Applicant Income | $1,128,000 |
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records Security Savings Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kansas City, MO-KS | 368 | $ 50,984,000 | $ 138,543 | $ 82,741 |
| Wichita, KS | 259 | $ 25,663,000 | $ 99,084 | $ 54,000 |
| Oklahoma City, OK | 53 | $ 6,361,000 | $ 120,018 | $ 76,000 |
| Tulsa, OK | 18 | $ 1,706,000 | $ 94,777 | $ 86,000 |
| Lawton, OK | 14 | $ 1,797,000 | $ 128,357 | $ 102,000 |
| Houston-Sugar Land-Baytown, TX | 10 | $ 1,299,000 | $ 129,900 | $ 72,000 |
| Chicago-Naperville-Joliet, IL | 9 | $ 2,389,000 | $ 265,444 | $ 131,000 |
| Topeka, KS | 9 | $ 1,181,000 | $ 131,222 | $ 59,000 |
| Denver-Aurora, CO | 8 | $ 2,253,000 | $ 281,625 | $ 214,000 |
| Gary, IN | 8 | $ 1,273,000 | $ 159,125 | $ 68,000 |
| Phoenix-Mesa-Scottsdale, AZ | 8 | $ 1,698,000 | $ 212,250 | $ 71,000 |
| Charlotte-Gastonia-Concord, NC-SC | 7 | $ 837,000 | $ 119,571 | $ 142,857 |
| Atlanta-Sandy Springs-Marietta, GA | 6 | $ 486,000 | $ 81,000 | $ 45,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 1,464,000 | $ 244,000 | $ 94,000 |
| Los Angeles-Long Beach-Glendale, CA | 6 | $ 1,536,000 | $ 256,000 | $ 169,000 |
| Milwaukee-Waukesha-West Allis, WI | 6 | $ 854,000 | $ 142,333 | $ 114,000 |
| St. Louis, MO-IL | 6 | $ 1,497,000 | $ 249,500 | $ 205,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 6 | $ 2,486,000 | $ 414,333 | $ 111,333 |
| Philadelphia, PA | 5 | $ 878,000 | $ 175,600 | $ 99,000 |
| Dallas-Plano-Irving, TX | 4 | $ 590,000 | $ 147,500 | $ 106,000 |
| Joplin, MO | 4 | $ 663,000 | $ 165,750 | $ 109,000 |
| Memphis, TN-MS-AR | 4 | $ 477,000 | $ 119,250 | $ 74,000 |
| Nassau-Suffolk, NY | 4 | $ 1,164,000 | $ 291,000 | $ 107,000 |
| New York-White Plains-Wayne, NY-NJ | 4 | $ 2,040,000 | $ 510,000 | $ 189,500 |
| Portland-Vancouver-Beaverton, OR-WA | 4 | $ 752,000 | $ 188,000 | $ 108,000 |
| Chattanooga, TN-GA | 3 | $ 370,000 | $ 123,333 | $ 93,000 |
| Durham, NC | 3 | $ 328,000 | $ 109,333 | $ 57,000 |
| Fayetteville, NC | 3 | $ 415,000 | $ 138,333 | $ 93,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 568,000 | $ 189,333 | $ 57,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 551,000 | $ 183,666 | $ 101,000 |
| Gainesville, GA | 3 | $ 419,000 | $ 139,666 | $ 118,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 587,000 | $ 195,666 | $ 256,000 |
| Indianapolis-Carmel, IN | 3 | $ 414,000 | $ 138,000 | $ 98,000 |
| Las Vegas-Paradise, NV | 3 | $ 437,000 | $ 145,666 | $ 38,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 447,000 | $ 149,000 | $ 58,000 |
| Mobile, AL | 3 | $ 448,000 | $ 149,333 | $ 108,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 324,000 | $ 108,000 | $ 36,000 |
| Orlando-Kissimmee, FL | 3 | $ 562,000 | $ 187,333 | $ 115,000 |
| San Diego-Carlsbad-San Marcos, CA | 3 | $ 1,410,000 | $ 470,000 | $ 176,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 251,000 | $ 83,666 | $ 160,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 365,000 | $ 182,500 | $ 210,000 |
| Albuquerque, NM | 2 | $ 225,000 | $ 112,500 | $ 31,000 |
| Bethesda-Gaithersburg-Frederick, MD | 2 | $ 542,000 | $ 271,000 | $ 109,000 |
| Boise City-Nampa, ID | 2 | $ 155,000 | $ 77,500 | $ 52,000 |
| Chico, CA | 2 | $ 624,000 | $ 312,000 | $ 294,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 436,000 | $ 218,000 | $ 77,000 |
| Fort Smith, AR-OK | 2 | $ 140,000 | $ 70,000 | $ 28,000 |
| Fort Worth-Arlington, TX | 2 | $ 670,000 | $ 335,000 | $ 237,000 |
| Greeley, CO | 2 | $ 428,000 | $ 214,000 | $ 114,000 |
| Harrisburg-Carlisle, PA | 2 | $ 237,000 | $ 118,500 | $ 95,000 |
| Lakeland, FL | 2 | $ 512,000 | $ 256,000 | $ 146,000 |
| Lawrence, KS | 2 | $ 287,000 | $ 143,500 | $ 0 |
| Pittsburgh, PA | 2 | $ 111,000 | $ 55,500 | $ 78,000 |
| Raleigh-Cary, NC | 2 | $ 291,000 | $ 145,500 | $ 290,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 570,000 | $ 285,000 | $ 119,000 |
| Salt Lake City, UT | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 1,100,000 | $ 550,000 | $ 354,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 590,000 | $ 295,000 | $ 181,000 |
| Sheboygan, WI | 2 | $ 150,000 | $ 75,000 | $ 55,000 |
| Texarkana, Tx-Texarkana, AR | 2 | $ 130,000 | $ 65,000 | $ 46,000 |
| Tucson, AZ | 2 | $ 236,000 | $ 118,000 | $ 71,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 281,000 | $ 140,500 | $ 118,000 |
| Wilmington, DE-MD-NJ | 2 | $ 558,000 | $ 279,000 | $ 210,000 |
| Wilmington, NC | 2 | $ 317,000 | $ 158,500 | $ 55,000 |
| Winston-Salem, NC | 2 | $ 376,000 | $ 188,000 | $ 122,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 400,000 | $ 200,000 | $ 54,000 |
| Ann Arbor, MI | 1 | $ 401,000 | $ 401,000 | $ 0 |
| Auburn-Opelika, AL | 1 | $ 200,000 | $ 200,000 | $ 63,000 |
| Austin-Round Rock, TX | 1 | $ 114,000 | $ 114,000 | $ 319,000 |
| Baton Rouge, LA | 1 | $ 144,000 | $ 144,000 | $ 82,000 |
| Bend, OR | 1 | $ 190,000 | $ 190,000 | $ 137,000 |
| Birmingham-Hoover, AL | 1 | $ 248,000 | $ 248,000 | $ 87,000 |
| Bowling Green, KY | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Burlington-South Burlington, VT | 1 | $ 200,000 | $ 200,000 | $ 63,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 414,000 | $ 414,000 | $ 130,000 |
| Camden, NJ | 1 | $ 200,000 | $ 200,000 | $ 93,000 |
| Carson City, NV | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Erie, PA | 1 | $ 204,000 | $ 204,000 | $ 210,000 |
| Essex County, MA | 1 | $ 253,000 | $ 253,000 | $ 65,000 |
| Gadsden, AL | 1 | $ 180,000 | $ 180,000 | $ 53,000 |
| Grand Forks, ND-MN | 1 | $ 140,000 | $ 140,000 | $ 41,000 |
| Gulfport-Biloxi, MS | 1 | $ 310,000 | $ 310,000 | $ 91,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 178,000 | $ 178,000 | $ 47,000 |
| Huntsville, AL | 1 | $ 133,000 | $ 133,000 | $ 54,000 |
| Jacksonville, FL | 1 | $ 124,000 | $ 124,000 | $ 50,000 |
| Lafayette, LA | 1 | $ 168,000 | $ 168,000 | $ 83,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 287,000 | $ 287,000 | $ 93,000 |
| Lansing-East Lansing, MI | 1 | $ 207,000 | $ 207,000 | $ 160,000 |
| Las Cruces, NM | 1 | $ 140,000 | $ 140,000 | $ 88,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 130,000 | $ 130,000 | $ 0 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 110,000 | $ 110,000 | $ 84,000 |
| Newark-Union, NJ-PA | 1 | $ 355,000 | $ 355,000 | $ 113,000 |
| Olympia, WA | 1 | $ 148,000 | $ 148,000 | $ 107,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 73,000 | $ 73,000 | $ 23,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 411,000 | $ 411,000 | $ 139,000 |
| Provo-Orem, UT | 1 | $ 220,000 | $ 220,000 | $ 156,000 |
| Racine, WI | 1 | $ 176,000 | $ 176,000 | $ 50,000 |
| Richmond, VA | 1 | $ 135,000 | $ 135,000 | $ 68,000 |
| Rockingham County-Strafford County, NH | 1 | $ 205,000 | $ 205,000 | $ 38,000 |
| Sioux Falls, SD | 1 | $ 130,000 | $ 130,000 | $ 50,000 |
| Springfield, MO | 1 | $ 105,000 | $ 105,000 | $ 94,000 |
| St. Joseph, MO-KS | 1 | $ 148,000 | $ 148,000 | $ 46,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 133,000 | $ 133,000 | $ 40,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 35,000 | $ 35,000 | $ 128,000 |
Mortgage Loan Application Detail Totals for Security Savings Bank, FSB in 2006
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 | 985 | $121,990,000 | $123,000 | $1,283,000 | $73,000 | $1,000,000 |
| Refinancing | 518 | $67,593,000 | $130,000 | $1,080,000 | $74,000 | $1,128,000 |
| Home Improvement | 6 | $54,000 | $9,000 | $18,000 | $57,000 | $91,000 |
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 | 1,022 | $128,918,000 | $126,000 | $1,000,000 | $74,000 | $1,000,000 |
| Not Provided | 256 | $33,072,000 | $129,000 | $728,000 | $76,000 | $342,000 |
| Hispanic | 126 | $11,878,000 | $94,000 | $1,283,000 | $56,000 | $300,000 |
| Asian | 66 | $9,122,000 | $138,000 | $630,000 | $75,000 | $375,000 |
| Black or African American | 32 | $5,569,000 | $174,000 | $1,080,000 | $106,000 | $1,128,000 |
| American Indian or Alaskan Native | 5 | $811,000 | $162,000 | $250,000 | $66,000 | $110,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $267,000 | $133,000 | $145,000 | $51,000 | $60,000 |
| 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) | 1,344 | $172,740,000 | $128,000 | $1,283,000 | $76,000 | $1,128,000 |
| FHA-insured (Federal Housing Administration) | 152 | $15,322,000 | $100,000 | $206,000 | $49,000 | $169,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,551,000 | $129,000 | $195,000 | $62,000 | $88,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $24,000 | $24,000 | $24,000 | $21,000 | $21,000 |
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 | 1,279 | $158,460,000 | $123,000 | $1,000,000 | $72,000 | $1,000,000 |
| Application Withdrawn By Applicant | 128 | $17,365,000 | $135,000 | $1,080,000 | $85,000 | $1,128,000 |
| Application Denied By Financial Institution | 47 | $5,422,000 | $115,000 | $413,000 | $71,000 | $420,000 |
| File Closed For Incompleteness | 43 | $6,179,000 | $143,000 | $1,283,000 | $69,000 | $300,000 |
| Application Approved But Not Accepted | 12 | $2,211,000 | $184,000 | $762,000 | $96,000 | $420,000 |
| 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 | 26 | $2,780,000 | $106,000 | $413,000 | $64,000 | $280,000 |
| Other | 9 | $1,111,000 | $123,000 | $224,000 | $70,000 | $180,000 |
| Debt-To-Income Ratio | 6 | $681,000 | $113,000 | $352,000 | $45,000 | $93,000 |
| Collateral | 4 | $561,000 | $140,000 | $218,000 | $176,000 | $420,000 |
| Employment History | 2 | $289,000 | $144,000 | $210,000 | $33,000 | $35,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Security Savings Bank, FSB's 2006 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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