Realty World-Financial Service Mortgage Lending & HMDA Data, 2010
In 2010, Realty World-Financial Service of Tracy, CA reported 133 mortgage applications totaling $37.5 million, down 32% from 2009. The average application was for $281,977, and applicants reported an average income of $90,601. 96% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Oakland-Fremont-Hayward, CA (56), Stockton, CA (29) and San Jose-Sunnyvale-Santa Clara, CA (11) (applications in parentheses).
| Mortgage Company & Address | Realty World-Financial Service 2316 Orchard Pky, Ste. 210 Tracy, CA 95377 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 133 |
| Total Mortgage Loan Application Amount | $37,503,000 |
| Average Mortgage Loan Application Amount | $281,977 |
| Highest Mortgage Loan Application Amount | $665,000 |
| Average Applicant Income | $90,601 |
| Highest Applicant Income | $423,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Realty World-Financial Service filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Oakland-Fremont-Hayward, CA | 56 | $ 17,258,000 | $ 308,178 | $ 91,000 |
| Stockton, CA | 29 | $ 6,610,000 | $ 227,931 | $ 74,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 11 | $ 4,657,000 | $ 423,363 | $ 123,000 |
| Vallejo-Fairfield, CA | 10 | $ 2,194,000 | $ 219,400 | $ 57,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 8 | $ 1,231,000 | $ 153,875 | $ 78,000 |
| San Francisco-San Mateo-Redwood City, CA | 6 | $ 2,239,000 | $ 373,166 | $ 172,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 1,068,000 | $ 356,000 | $ 110,000 |
| Modesto, CA | 3 | $ 498,000 | $ 166,000 | $ 48,000 |
| Napa, CA | 3 | $ 963,000 | $ 321,000 | $ 133,000 |
| Fresno, CA | 1 | $ 125,000 | $ 125,000 | $ 155,000 |
| Merced, CA | 1 | $ 230,000 | $ 230,000 | $ 76,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 315,000 | $ 315,000 | $ 73,000 |
Mortgage Loan Application Detail Totals for Realty World-Financial Service in 2010
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 | 94 | $26,197,000 | $278,000 | $665,000 | $95,000 | $423,000 |
| Refinancing | 39 | $11,306,000 | $289,000 | $632,000 | $80,000 | $261,000 |
| 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 | 72 | $21,427,000 | $297,000 | $665,000 | $99,000 | $300,000 |
| Hispanic | 23 | $5,070,000 | $220,000 | $368,000 | $60,000 | $141,000 |
| Asian | 20 | $6,011,000 | $300,000 | $650,000 | $104,000 | $423,000 |
| Not Provided | 7 | $2,239,000 | $319,000 | $417,000 | $96,000 | $183,000 |
| Black or African American | 6 | $1,125,000 | $187,000 | $362,000 | $72,000 | $87,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,631,000 | $326,000 | $474,000 | $84,000 | $206,000 |
| Not applicable | 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 80 | $21,350,000 | $266,000 | $665,000 | $76,000 | $423,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 41 | $12,784,000 | $311,000 | $650,000 | $124,000 | $300,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $2,684,000 | $298,000 | $383,000 | $77,000 | $107,000 |
| VA-guaranteed (Veterans Administration) | 3 | $685,000 | $228,000 | $235,000 | $64,000 | $76,000 |
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 | 128 | $36,637,000 | $286,000 | $665,000 | $92,000 | $423,000 |
| Application Denied By Financial Institution | 5 | $866,000 | $173,000 | $300,000 | $73,000 | $87,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 2 | $198,000 | $99,000 | $192,000 | $87,000 | $87,000 |
| Employment History | 1 | $300,000 | $300,000 | $300,000 | $82,000 | $82,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $123,000 | $123,000 | $123,000 | $36,000 | $36,000 |
| Credit History | 1 | $245,000 | $245,000 | $245,000 | $75,000 | $75,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Realty World-Financial Service's 2010 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 Realty World-Financial Service'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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