Realty World-Financial Service Mortgage Lending & HMDA Data, 2006
In 2006, Realty World-Financial Service of Tracy, CA reported 193 mortgage applications totaling $55.7 million. The average application was for $288,844, and applicants reported an average income of $121,943. 97% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Oakland-Fremont-Hayward, CA (49), Stockton, CA (32) and San Jose-Sunnyvale-Santa Clara, CA (21) (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 | 193 |
| Total Mortgage Loan Application Amount | $55,747,000 |
| Average Mortgage Loan Application Amount | $288,844 |
| Highest Mortgage Loan Application Amount | $1,343,000 |
| Average Applicant Income | $121,943 |
| Highest Applicant Income | $1,070,000 |
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records Realty World-Financial Service filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Realty World-Financial Service 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 |
|---|---|---|---|---|---|---|
| Refinancing | 120 | $34,488,000 | $287,000 | $1,343,000 | $114,000 | $444,000 |
| Home Purchase | 73 | $21,259,000 | $291,000 | $825,000 | $135,000 | $1,070,000 |
| 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 | 78 | $21,738,000 | $278,000 | $1,343,000 | $112,000 | $444,000 |
| Hispanic | 70 | $18,747,000 | $267,000 | $650,000 | $136,000 | $1,070,000 |
| Not Provided | 16 | $4,360,000 | $272,000 | $580,000 | $101,000 | $239,000 |
| Asian | 11 | $4,900,000 | $445,000 | $772,000 | $152,000 | $294,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $3,334,000 | $333,000 | $612,000 | $111,000 | $175,000 |
| Black or African American | 8 | $2,668,000 | $333,000 | $650,000 | $110,000 | $204,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 192 | $55,452,000 | $288,000 | $1,343,000 | $122,000 | $1,070,000 |
| FHA-insured (Federal Housing Administration) | 1 | $295,000 | $295,000 | $295,000 | $76,000 | $76,000 |
| 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 | 187 | $53,964,000 | $288,000 | $1,343,000 | $120,000 | $1,070,000 |
| Application Denied By Financial Institution | 6 | $1,783,000 | $297,000 | $580,000 | $178,000 | $239,000 |
| 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 |
|---|---|---|---|---|---|---|
| Unverifiable Information | 4 | $1,093,000 | $273,000 | $580,000 | $148,000 | $224,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Realty World-Financial Service'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 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
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