Reali Loans, Inc. Mortgage Lending & HMDA Data, 2021

In 2021, Reali Loans, Inc. of San Mateo, CA reported 1,822 mortgage applications totaling $724.0 million. The average application was for $397,343, and applicants reported an average income of $194,986. 60% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (173), Washington-Arlington-Alexandria, DC-VA-MD-WV (127) and Seattle-Bellevue-Everett, WA (124) (applications in parentheses).

Mortgage Company & Address Reali Loans, Inc.
777 Mariners Island Blvd #210
San Mateo, CA 94404
Tel #: available with data download
Federal Regulator * available with data download
Years 2021  
Total Number of Mortgage Applications 1,822
Total Mortgage Loan Application Amount $723,960,000
Average Mortgage Loan Application Amount $397,343
Highest Mortgage Loan Application Amount $2,505,000
Average Applicant Income $194,986
Highest Applicant Income $9,011,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Reali Loans, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Reali Loans, Inc. by County in 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 173 $ 85,105,000 $ 491,936 $ 289,000
King, Washington 105 $ 47,605,000 $ 453,380 $ 207,000
San Diego, California 89 $ 43,285,000 $ 486,348 $ 198,000
Santa Clara, California 75 $ 38,155,000 $ 508,733 $ 232,000
Maricopa, Arizona 74 $ 23,050,000 $ 311,486 $ 137,000
Alameda, California 70 $ 38,010,000 $ 543,000 $ 231,000
Orange, California 61 $ 28,885,000 $ 473,524 $ 334,000
Fairfax, Virginia 60 $ 26,240,000 $ 437,333 $ 207,000
Riverside, California 39 $ 14,365,000 $ 368,333 $ 143,000
Travis, Texas 39 $ 11,015,000 $ 282,435 $ 172,000
Contra Costa, California 38 $ 20,170,000 $ 530,789 $ 231,000
Sacramento, California 34 $ 12,270,000 $ 360,882 $ 144,000
San Bernardino, California 34 $ 12,550,000 $ 369,117 $ 147,000
Harris, Texas 34 $ 10,270,000 $ 302,058 $ 151,000
San Francisco, California 28 $ 14,030,000 $ 501,071 $ 229,000
Ventura, California 22 $ 9,790,000 $ 445,000 $ 141,000
Collin, Texas 22 $ 7,220,000 $ 328,181 $ 166,000
Dallas, Texas 22 $ 7,410,000 $ 336,818 $ 212,000
San Mateo, California 21 $ 11,005,000 $ 524,047 $ 244,000
Cook, Illinois 21 $ 6,945,000 $ 330,714 $ 163,000
Loudoun, Virginia 19 $ 8,865,000 $ 466,578 $ 307,000
Snohomish, Washington 19 $ 8,025,000 $ 422,368 $ 171,000
Denver, Colorado 18 $ 6,900,000 $ 383,333 $ 176,000
Cobb, Georgia 17 $ 5,655,000 $ 332,647 $ 158,000
Multnomah, Oregon 17 $ 8,065,000 $ 474,411 $ 169,000
Monterey, California 16 $ 7,060,000 $ 441,250 $ 194,000
Gwinnett, Georgia 16 $ 4,030,000 $ 251,875 $ 118,000
Washington, Oregon 16 $ 5,880,000 $ 367,500 $ 150,000
Williamson, Texas 16 $ 4,330,000 $ 270,625 $ 177,000
Arlington, Virginia 16 $ 6,680,000 $ 417,500 $ 202,000
Pierce, Washington 16 $ 4,840,000 $ 302,500 $ 130,000
Placer, California 15 $ 5,535,000 $ 369,000 $ 224,000
Denton, Texas 15 $ 4,955,000 $ 330,333 $ 219,000
San Joaquin, California 13 $ 4,875,000 $ 375,000 $ 167,000
Fulton, Georgia 13 $ 4,655,000 $ 358,076 $ 188,000
Bexar, Texas 13 $ 3,555,000 $ 273,461 $ 161,000
Fort Bend, Texas 13 $ 3,865,000 $ 297,307 $ 184,000
Marin, California 12 $ 6,970,000 $ 580,833 $ 192,000
Yolo, California 11 $ 4,265,000 $ 387,727 $ 190,000
Douglas, Colorado 11 $ 4,125,000 $ 375,000 $ 150,000
Alexandria, Virginia 11 $ 4,605,000 $ 418,636 $ 198,000
Fresno, California 10 $ 2,920,000 $ 292,000 $ 115,000
Larimer, Colorado 10 $ 3,030,000 $ 303,000 $ 140,000
DeKalb, Georgia 10 $ 3,520,000 $ 352,000 $ 162,000
Prince William, Virginia 10 $ 3,330,000 $ 333,000 $ 122,000
San Luis Obispo, California 9 $ 3,495,000 $ 388,333 $ 185,000
Arapahoe, Colorado 9 $ 2,745,000 $ 305,000 $ 156,000
Boulder, Colorado 9 $ 3,705,000 $ 411,666 $ 189,000
Forsyth, Georgia 9 $ 2,545,000 $ 282,777 $ 158,000
Clark, Washington 9 $ 3,005,000 $ 333,888 $ 114,000
Pima, Arizona 8 $ 1,760,000 $ 220,000 $ 113,000
Santa Cruz, California 8 $ 3,970,000 $ 496,250 $ 289,000
Solano, California 8 $ 3,080,000 $ 385,000 $ 151,000
Sonoma, California 8 $ 2,990,000 $ 373,750 $ 188,000
Adams, Colorado 8 $ 2,510,000 $ 313,750 $ 184,000
Jefferson, Colorado 8 $ 2,460,000 $ 307,500 $ 199,000
DuPage, Illinois 8 $ 2,580,000 $ 322,500 $ 147,000
Oakland, Michigan 8 $ 2,110,000 $ 263,750 $ 179,000
Tarrant, Texas 8 $ 1,940,000 $ 242,500 $ 143,000
Santa Barbara, California 7 $ 3,065,000 $ 437,857 $ 172,000
Philadelphia, Pennsylvania 7 $ 2,295,000 $ 327,857 $ 455,000
Henrico, Virginia 7 $ 2,675,000 $ 382,142 $ 177,000
Whatcom, Washington 7 $ 2,645,000 $ 377,857 $ 120,000
El Dorado, California 6 $ 2,350,000 $ 391,666 $ 178,000
Stanislaus, California 6 $ 1,670,000 $ 278,333 $ 158,000
Montgomery, Texas 6 $ 1,790,000 $ 298,333 $ 182,000
Chesterfield, Virginia 6 $ 1,650,000 $ 275,000 $ 142,000
Pinal, Arizona 5 $ 1,195,000 $ 239,000 $ 135,000
Kern, California 5 $ 1,685,000 $ 337,000 $ 131,000
Richmond City, Virginia 5 $ 1,665,000 $ 333,000 $ 177,000
Spokane, Washington 5 $ 1,655,000 $ 331,000 $ 174,000
Nevada, California 4 $ 1,720,000 $ 430,000 $ 208,000
El Paso, Colorado 4 $ 1,020,000 $ 255,000 $ 120,000
Weld, Colorado 4 $ 1,440,000 $ 360,000 $ 129,000
Cherokee, Georgia 4 $ 930,000 $ 232,500 $ 147,000
Henry, Georgia 4 $ 910,000 $ 227,500 $ 105,000
Washtenaw, Michigan 4 $ 1,210,000 $ 302,500 $ 182,000
Clackamas, Oregon 4 $ 1,210,000 $ 302,500 $ 177,000
Montgomery, Pennsylvania 4 $ 1,470,000 $ 367,500 $ 261,000
Albemarle, Virginia 4 $ 1,340,000 $ 335,000 $ 175,000
Stafford, Virginia 4 $ 1,830,000 $ 457,500 $ 144,000
Yavapai, Arizona 3 $ 945,000 $ 315,000 $ 89,000
Butte, California 3 $ 1,185,000 $ 395,000 $ 117,000
Merced, California 3 $ 905,000 $ 301,666 $ 140,000
Tulare, California 3 $ 735,000 $ 245,000 $ 131,000
Broomfield, Colorado 3 $ 1,095,000 $ 365,000 $ 182,000
Martin, Florida 3 $ 765,000 $ 255,000 $ 100,000
Chatham, Georgia 3 $ 765,000 $ 255,000 $ 162,000
Lake, Illinois 3 $ 1,165,000 $ 388,333 $ 236,000
Deschutes, Oregon 3 $ 1,145,000 $ 381,666 $ 150,000
Marion, Oregon 3 $ 975,000 $ 325,000 $ 138,000
Allegheny, Pennsylvania 3 $ 575,000 $ 191,666 $ 158,000
Fauquier, Virginia 3 $ 1,435,000 $ 478,333 $ 208,000
Norfolk, Virginia 3 $ 645,000 $ 215,000 $ 145,000
Benton, Washington 3 $ 1,035,000 $ 345,000 $ 138,000
Kitsap, Washington 3 $ 955,000 $ 318,333 $ 130,000
Thurston, Washington 3 $ 775,000 $ 258,333 $ 164,000
Imperial, California 2 $ 540,000 $ 270,000 $ 99,000
Mesa, Colorado 2 $ 540,000 $ 270,000 $ 115,000
Brevard, Florida 2 $ 600,000 $ 300,000 $ 120,000
Hillsborough, Florida 2 $ 580,000 $ 290,000 $ 135,000
Orange, Florida 2 $ 320,000 $ 160,000 $ 91,000
Pasco, Florida 2 $ 340,000 $ 170,000 $ 153,000
St. Johns, Florida 2 $ 590,000 $ 295,000 $ 264,000
Carroll, Georgia 2 $ 240,000 $ 120,000 $ 39,000
Pickens, Georgia 2 $ 350,000 $ 175,000 $ 96,000
Will, Illinois 2 $ 560,000 $ 280,000 $ 166,000
Livingston, Michigan 2 $ 510,000 $ 255,000 $ 127,000
Ottawa, Michigan 2 $ 670,000 $ 335,000 $ 120,000
Yamhill, Oregon 2 $ 220,000 $ 110,000 $ 20,000
Bucks, Pennsylvania 2 $ 700,000 $ 350,000 $ 155,000
Centre, Pennsylvania 2 $ 450,000 $ 225,000 $ 100,000
Brazoria, Texas 2 $ 700,000 $ 350,000 $ 255,000
Brazos, Texas 2 $ 550,000 $ 275,000 $ 115,000
El Paso, Texas 2 $ 430,000 $ 215,000 $ 78,000
Smith, Texas 2 $ 610,000 $ 305,000 $ 103,000
Charlottesville, Virginia 2 $ 530,000 $ 265,000 $ 87,000
Montgomery, Virginia 2 $ 510,000 $ 255,000 $ 99,000
Rockingham, Virginia 2 $ 720,000 $ 360,000 $ 223,000
Virginia Beach, Virginia 2 $ 630,000 $ 315,000 $ 132,000
Jefferson, Washington 2 $ 800,000 $ 400,000 $ 143,000
Klickitat, Washington 2 $ 1,070,000 $ 535,000 $ 118,000
Skagit, Washington 2 $ 690,000 $ 345,000 $ 84,000
Yakima, Washington 2 $ 680,000 $ 340,000 $ 168,000
Cochise, Arizona 1 $ 125,000 $ 125,000 $ 83,000
Humboldt, California 1 $ 305,000 $ 305,000 $ 134,000
Mendocino, California 1 $ 145,000 $ 145,000 $ 175,000
Mono, California 1 $ 375,000 $ 375,000 $ 450,000
Yuba, California 1 $ 295,000 $ 295,000 $ 79,000
Gunnison, Colorado 1 $ 205,000 $ 205,000 $ 145,000
La Plata, Colorado 1 $ 305,000 $ 305,000 $ 71,000
Montrose, Colorado 1 $ 335,000 $ 335,000 $ 71,000
Palm Beach, Florida 1 $ 205,000 $ 205,000 $ 95,000
Pinellas, Florida 1 $ 215,000 $ 215,000 $ 239,000
Camden, Georgia 1 $ 105,000 $ 105,000 $ 34,000
Clayton, Georgia 1 $ 145,000 $ 145,000 $ 85,000
Columbia, Georgia 1 $ 145,000 $ 145,000 $ 128,000
Coweta, Georgia 1 $ 205,000 $ 205,000 $ 88,000
Douglas, Georgia 1 $ 115,000 $ 115,000 $ 97,000
Fayette, Georgia 1 $ 455,000 $ 455,000 $ 409,000
Glynn, Georgia 1 $ 275,000 $ 275,000 $ 131,000
Hall, Georgia 1 $ 195,000 $ 195,000 $ 68,000
Hart, Georgia 1 $ 205,000 $ 205,000 $ 66,000
Houston, Georgia 1 $ 325,000 $ 325,000 $ 78,000
Richmond, Georgia 1 $ 175,000 $ 175,000 $ 172,000
Stephens, Georgia 1 $ 205,000 $ 205,000 $ 139,000
Troup, Georgia 1 $ 285,000 $ 285,000 $ 108,000
Adams, Illinois 1 $ 395,000 $ 395,000 $ 466,000
Kane, Illinois 1 $ 165,000 $ 165,000 $ 100,000
Piatt, Illinois 1 $ 325,000 $ 325,000 $ 213,000
Union, Illinois 1 $ 145,000 $ 145,000 $ 146,000
Woodford, Illinois 1 $ 115,000 $ 115,000 $ 163,000
Grand Traverse, Michigan 1 $ 255,000 $ 255,000 $ 80,000
Hillsdale, Michigan 1 $ 155,000 $ 155,000 $ 102,000
Kent, Michigan 1 $ 105,000 $ 105,000 $ 97,000
Monroe, Michigan 1 $ 205,000 $ 205,000 $ 92,000
Muskegon, Michigan 1 $ 295,000 $ 295,000 $ 128,000
Wayne, Michigan 1 $ 185,000 $ 185,000 $ 137,000
Benton, Oregon 1 $ 455,000 $ 455,000 $ 116,000
Coos, Oregon 1 $ 175,000 $ 175,000 $ 43,000
Lincoln, Oregon 1 $ 355,000 $ 355,000 $ 181,000
Tillamook, Oregon 1 $ 205,000 $ 205,000 $ 126,000
Umatilla, Oregon 1 $ 255,000 $ 255,000 $ 73,000
Berks, Pennsylvania 1 $ 245,000 $ 245,000 $ 157,000
Cambria, Pennsylvania 1 $ 275,000 $ 275,000 $ 77,000
Chester, Pennsylvania 1 $ 415,000 $ 415,000 $ 290,000
Dauphin, Pennsylvania 1 $ 125,000 $ 125,000 $ 63,000
Delaware, Pennsylvania 1 $ 245,000 $ 245,000 $ 52,000
Lycoming, Pennsylvania 1 $ 205,000 $ 205,000 $ 125,000
Northampton, Pennsylvania 1 $ 245,000 $ 245,000 $ 112,000
Washington, Pennsylvania 1 $ 225,000 $ 225,000 $ 117,000
Angelina, Texas 1 $ 125,000 $ 125,000 $ 60,000
Burnet, Texas 1 $ 525,000 $ 525,000 $ 148,000
Cameron, Texas 1 $ 175,000 $ 175,000 $ 161,000
Comal, Texas 1 $ 365,000 $ 365,000 $ 250,000
Ellis, Texas 1 $ 225,000 $ 225,000 $ 87,000
Grayson, Texas 1 $ 365,000 $ 365,000 $ 146,000
Hidalgo, Texas 1 $ 115,000 $ 115,000 $ 35,000
Johnson, Texas 1 $ 415,000 $ 415,000 $ 146,000
Midland, Texas 1 $ 255,000 $ 255,000 $ 100,000
Nueces, Texas 1 $ 35,000 $ 35,000 $ 60,000
Rockwall, Texas 1 $ 255,000 $ 255,000 $ 195,000
Waller, Texas 1 $ 275,000 $ 275,000 $ 209,000
Wise, Texas 1 $ 285,000 $ 285,000 $ 159,000
Bedford, Virginia 1 $ 305,000 $ 305,000 $ 77,000
Botetourt, Virginia 1 $ 285,000 $ 285,000 $ 118,000
Campbell, Virginia 1 $ 185,000 $ 185,000 $ 99,000
Chesapeake, Virginia 1 $ 155,000 $ 155,000 $ 123,000
Fairfax City, Virginia 1 $ 365,000 $ 365,000 $ 200,000
Falls Church, Virginia 1 $ 495,000 $ 495,000 $ 250,000
Isle of Wight, Virginia 1 $ 325,000 $ 325,000 $ 430,000
Manassas, Virginia 1 $ 255,000 $ 255,000 $ 124,000
Newport News, Virginia 1 $ 145,000 $ 145,000 $ 82,000
Portsmouth, Virginia 1 $ 165,000 $ 165,000 $ 152,000
Roanoke, Virginia 1 $ 155,000 $ 155,000 $ 71,000
Roanoke City, Virginia 1 $ 205,000 $ 205,000 $ 138,000
Spotsylvania, Virginia 1 $ 545,000 $ 545,000 $ 266,000
Wythe, Virginia 1 $ 115,000 $ 115,000 $ 37,000
Cowlitz, Washington 1 $ 435,000 $ 435,000 $ 103,000
Kittitas, Washington 1 $ 295,000 $ 295,000 $ 108,000
Skamania, Washington 1 $ 545,000 $ 545,000 $ 130,000

Mortgage Loan Application Detail Totals for Reali Loans, Inc. 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 1,160 $457,870,000 $394,000 $2,505,000 $213,000 $9,011,000
Cash-out Refinancing 559 $210,065,000 $375,000 $825,000 $160,000 $544,000
Home Purchase 103 $56,025,000 $543,000 $1,005,000 $182,000 $641,000
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 886 $349,850,000 $394,000 $2,505,000 $205,000 $9,011,000
Not Provided 432 $172,320,000 $398,000 $1,505,000 $189,000 $1,300,000
Asian 232 $98,150,000 $423,000 $825,000 $198,000 $1,208,000
Hispanic 120 $41,910,000 $349,000 $825,000 $142,000 $395,000
Black or African American 34 $13,560,000 $398,000 $775,000 $195,000 $430,000
Native Hawaiian or Other Pacific Islander 11 $4,235,000 $385,000 $545,000 $190,000 $434,000
American Indian or Alaskan Native 8 $2,680,000 $335,000 $785,000 $120,000 $279,000
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) 1,822 $723,960,000 $397,000 $2,505,000 $195,000 $9,011,000
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
VA-guaranteed (Veterans Administration) 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 1,091 $425,935,000 $390,000 $825,000 $193,000 $9,011,000
Application Withdrawn By Applicant 729 $296,965,000 $407,000 $2,505,000 $199,000 $2,181,000
Application Denied By Financial Institution 2 $1,060,000 $530,000 $545,000 $121,000 $167,000
Application Approved But Not Accepted 0 $0 $0 $0 $0 $0
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
Not applicable 1,820 $722,900,000 $397,000 $2,505,000 $195,000 $9,011,000
Other 1 $515,000 $515,000 $515,000 $167,000 $167,000
Debt-To-Income Ratio 1 $545,000 $545,000 $545,000 $75,000 $75,000
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
Unverifiable Information 0 $0 $0 $0 $0 $0
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Reali Loans, Inc.'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 Reali Loans, Inc.'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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