Realty World-Financial Service Mortgage Lending & HMDA Data, 2007
In 2007, Realty World-Financial Service of Tracy, CA reported 83 mortgage applications totaling $28.7 million, down 57% from 2006. The average application was for $345,710, and applicants reported an average income of $94,361. 96% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Oakland-Fremont-Hayward, CA (23), Stockton, CA (20) 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 | 83 |
| Total Mortgage Loan Application Amount | $28,694,000 |
| Average Mortgage Loan Application Amount | $345,710 |
| Highest Mortgage Loan Application Amount | $1,350,000 |
| Average Applicant Income | $94,361 |
| Highest Applicant Income | $651,000 |
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records Realty World-Financial Service filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 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 |
|---|---|---|---|---|---|---|
| Refinancing | 50 | $16,489,000 | $329,000 | $980,000 | $88,000 | $329,000 |
| Home Purchase | 33 | $12,205,000 | $369,000 | $1,350,000 | $104,000 | $651,000 |
| 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 | 35 | $12,899,000 | $368,000 | $1,350,000 | $84,000 | $468,000 |
| Hispanic | 33 | $9,595,000 | $290,000 | $980,000 | $80,000 | $329,000 |
| Asian | 5 | $2,255,000 | $451,000 | $828,000 | $156,000 | $318,000 |
| Not Provided | 5 | $2,120,000 | $424,000 | $1,125,000 | $197,000 | $651,000 |
| Black or African American | 2 | $534,000 | $267,000 | $300,000 | $111,000 | $154,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $1,084,000 | $542,000 | $544,000 | $149,000 | $164,000 |
| American Indian or Alaskan Native | 1 | $207,000 | $207,000 | $207,000 | $0 | $0 |
| 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) | 80 | $27,886,000 | $348,000 | $1,350,000 | $98,000 | $651,000 |
| FHA-insured (Federal Housing Administration) | 3 | $808,000 | $269,000 | $363,000 | $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 | 80 | $27,963,000 | $349,000 | $1,350,000 | $96,000 | $651,000 |
| Application Denied By Financial Institution | 2 | $371,000 | $185,000 | $330,000 | $56,000 | $112,000 |
| Application Withdrawn By Applicant | 1 | $360,000 | $360,000 | $360,000 | $72,000 | $72,000 |
| 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 | 2 | $371,000 | $185,000 | $330,000 | $56,000 | $112,000 |
| 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 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 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.
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