Security Savings Bank, FSB Mortgage Lending & HMDA Data, 2007
In 2007, Security Savings Bank, FSB of Olathe, KS reported 1,415 mortgage applications totaling $188.5 million, down 6% from 2006. The average application was for $133,247, and applicants reported an average income of $71,622. 89% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Kansas City, MO-KS (448), Wichita, KS (300) and Topeka, KS (10) (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 | 1,415 |
| Total Mortgage Loan Application Amount | $188,545,000 |
| Average Mortgage Loan Application Amount | $133,247 |
| Highest Mortgage Loan Application Amount | $1,267,000 |
| Average Applicant Income | $71,622 |
| Highest Applicant Income | $750,000 |
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records Security Savings Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 448 | $ 76,213,000 | $ 170,118 | $ 89,334 |
| Wichita, KS | 300 | $ 35,003,000 | $ 116,676 | $ 64,000 |
| Topeka, KS | 10 | $ 898,000 | $ 89,800 | $ 44,000 |
| Phoenix-Mesa-Scottsdale, AZ | 7 | $ 1,850,000 | $ 264,285 | $ 171,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 1,306,000 | $ 326,500 | $ 91,000 |
| Springfield, MO | 4 | $ 653,000 | $ 163,250 | $ 69,000 |
| Baton Rouge, LA | 3 | $ 325,000 | $ 108,333 | $ 75,000 |
| Chicago-Naperville-Joliet, IL | 3 | $ 1,320,000 | $ 440,000 | $ 49,000 |
| Edison, NJ | 3 | $ 658,000 | $ 219,333 | $ 133,000 |
| Lawrence, KS | 3 | $ 1,297,000 | $ 432,333 | $ 147,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 434,000 | $ 144,666 | $ 42,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 429,000 | $ 143,000 | $ 63,000 |
| St. Louis, MO-IL | 3 | $ 360,000 | $ 120,000 | $ 268,333 |
| Tulsa, OK | 3 | $ 311,000 | $ 103,666 | $ 22,000 |
| Baltimore-Towson, MD | 2 | $ 153,000 | $ 76,500 | $ 60,000 |
| Colorado Springs, CO | 2 | $ 327,000 | $ 163,500 | $ 65,000 |
| Fort Worth-Arlington, TX | 2 | $ 272,000 | $ 136,000 | $ 68,000 |
| Huntsville, AL | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Joplin, MO | 2 | $ 138,000 | $ 69,000 | $ 39,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 462,000 | $ 231,000 | $ 126,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 222,000 | $ 111,000 | $ 0 |
| Nassau-Suffolk, NY | 2 | $ 599,000 | $ 299,500 | $ 255,000 |
| New York-White Plains-Wayne, NY-NJ | 2 | $ 450,000 | $ 225,000 | $ 134,000 |
| Newark-Union, NJ-PA | 2 | $ 700,000 | $ 350,000 | $ 131,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 1,395,000 | $ 697,500 | $ 339,000 |
| Oklahoma City, OK | 2 | $ 234,000 | $ 117,000 | $ 48,000 |
| Pittsburgh, PA | 2 | $ 777,000 | $ 388,500 | $ 84,000 |
| Portland-Vancouver-Beaverton, OR-WA | 2 | $ 729,000 | $ 364,500 | $ 83,000 |
| Provo-Orem, UT | 2 | $ 260,000 | $ 130,000 | $ 97,000 |
| Sandusky, OH | 2 | $ 128,000 | $ 64,000 | $ 85,000 |
| Sarasota-Bradenton-Venice, FL | 2 | $ 834,000 | $ 417,000 | $ 186,000 |
| Shreveport-Bossier City, LA | 2 | $ 158,000 | $ 79,000 | $ 61,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 650,000 | $ 325,000 | $ 240,000 |
| Wilmington, NC | 2 | $ 206,000 | $ 103,000 | $ 42,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 226,000 | $ 113,000 | $ 88,000 |
| Akron, OH | 1 | $ 152,000 | $ 152,000 | $ 62,000 |
| Anderson, SC | 1 | $ 155,000 | $ 155,000 | $ 49,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 299,000 | $ 299,000 | $ 88,000 |
| Boise City-Nampa, ID | 1 | $ 175,000 | $ 175,000 | $ 49,000 |
| Boston-Quincy, MA | 1 | $ 297,000 | $ 297,000 | $ 640,000 |
| Bowling Green, KY | 1 | $ 229,000 | $ 229,000 | $ 82,000 |
| Camden, NJ | 1 | $ 145,000 | $ 145,000 | $ 127,000 |
| Charlottesville, VA | 1 | $ 225,000 | $ 225,000 | $ 91,000 |
| Cheyenne, WY | 1 | $ 249,000 | $ 249,000 | $ 56,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 270,000 | $ 270,000 | $ 68,000 |
| Columbia, MO | 1 | $ 116,000 | $ 116,000 | $ 127,000 |
| Denver-Aurora, CO | 1 | $ 417,000 | $ 417,000 | $ 182,000 |
| Farmington, NM | 1 | $ 220,000 | $ 220,000 | $ 93,000 |
| Flint, MI | 1 | $ 253,000 | $ 253,000 | $ 76,000 |
| Greeley, CO | 1 | $ 228,000 | $ 228,000 | $ 53,000 |
| Harrisburg-Carlisle, PA | 1 | $ 164,000 | $ 164,000 | $ 66,000 |
| Holland-Grand Haven, MI | 1 | $ 198,000 | $ 198,000 | $ 106,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 198,000 | $ 198,000 | $ 59,000 |
| Indianapolis-Carmel, IN | 1 | $ 135,000 | $ 135,000 | $ 74,000 |
| Jacksonville, FL | 1 | $ 185,000 | $ 185,000 | $ 157,000 |
| Lawton, OK | 1 | $ 45,000 | $ 45,000 | $ 68,000 |
| Lincoln, NE | 1 | $ 276,000 | $ 276,000 | $ 110,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 69,000 | $ 69,000 | $ 68,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 365,000 | $ 365,000 | $ 115,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 204,000 | $ 204,000 | $ 65,000 |
| Philadelphia, PA | 1 | $ 195,000 | $ 195,000 | $ 52,000 |
| Raleigh-Cary, NC | 1 | $ 60,000 | $ 60,000 | $ 243,000 |
| Reno-Sparks, NV | 1 | $ 45,000 | $ 45,000 | $ 68,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 164,000 | $ 164,000 | $ 47,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 77,000 | $ 77,000 | $ 254,000 |
| Salt Lake City, UT | 1 | $ 232,000 | $ 232,000 | $ 72,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 265,000 | $ 265,000 | $ 69,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 417,000 | $ 417,000 | $ 139,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 1,000,000 | $ 1,000,000 | $ 354,000 |
| Spartanburg, SC | 1 | $ 168,000 | $ 168,000 | $ 85,000 |
| Terre Haute, IN | 1 | $ 183,000 | $ 183,000 | $ 62,000 |
| Wilmington, DE-MD-NJ | 1 | $ 130,000 | $ 130,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for Security Savings Bank, FSB in 2007
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 | 1,000 | $130,037,000 | $130,000 | $1,267,000 | $67,000 | $750,000 |
| Refinancing | 412 | $58,464,000 | $141,000 | $1,150,000 | $83,000 | $687,000 |
| Home Improvement | 3 | $44,000 | $14,000 | $32,000 | $50,000 | $73,000 |
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 | 1,153 | $157,151,000 | $136,000 | $1,267,000 | $75,000 | $750,000 |
| Hispanic | 136 | $12,160,000 | $89,000 | $531,000 | $51,000 | $255,000 |
| Asian | 51 | $6,725,000 | $131,000 | $417,000 | $48,000 | $251,000 |
| Black or African American | 34 | $4,137,000 | $121,000 | $224,000 | $55,000 | $108,000 |
| Not Provided | 34 | $6,809,000 | $200,000 | $650,000 | $76,000 | $675,000 |
| American Indian or Alaskan Native | 4 | $950,000 | $237,000 | $592,000 | $204,000 | $639,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $613,000 | $204,000 | $400,000 | $103,000 | $139,000 |
| 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) | 1,168 | $160,991,000 | $137,000 | $1,267,000 | $76,000 | $750,000 |
| FHA-insured (Federal Housing Administration) | 168 | $19,906,000 | $118,000 | $207,000 | $56,000 | $139,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 60 | $4,993,000 | $83,000 | $162,000 | $34,000 | $67,000 |
| VA-guaranteed (Veterans Administration) | 19 | $2,655,000 | $139,000 | $220,000 | $54,000 | $83,000 |
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 | 1,253 | $169,168,000 | $135,000 | $1,267,000 | $73,000 | $750,000 |
| Application Withdrawn By Applicant | 112 | $13,898,000 | $124,000 | $735,000 | $59,000 | $490,000 |
| Application Denied By Financial Institution | 30 | $2,920,000 | $97,000 | $297,000 | $61,000 | $640,000 |
| Application Approved But Not Accepted | 20 | $2,559,000 | $127,000 | $312,000 | $59,000 | $185,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 11 | $694,000 | $63,000 | $92,000 | $39,000 | $94,000 |
| Other | 8 | $751,000 | $93,000 | $200,000 | $43,000 | $113,000 |
| Debt-To-Income Ratio | 5 | $905,000 | $181,000 | $297,000 | $155,000 | $640,000 |
| Unverifiable Information | 3 | $205,000 | $68,000 | $98,000 | $32,000 | $36,000 |
| Collateral | 2 | $231,000 | $115,000 | $136,000 | $58,000 | $67,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $134,000 | $134,000 | $134,000 | $62,000 | $62,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Security Savings Bank, FSB's 2007 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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