Right-Away Mortgage, Inc. Mortgage Lending & HMDA Data, 2006
In 2006, Right-Away Mortgage, Inc. of Cypress, CA reported 6,568 mortgage applications totaling $1.8 billion, up 27% from 2005. The average application was for $273,320, and applicants reported an average income of $113,545. 29% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,555), Riverside-San Bernardino-Ontario, CA (1,282) and Santa Ana-Anaheim-Irvine, CA (259) (applications in parentheses).
| Mortgage Company & Address | Right-Away Mortgage, Inc. 10833 Valley View Street Suite 500 Cypress, CA 90630 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 6,568 |
| Total Mortgage Loan Application Amount | $1,795,169,000 |
| Average Mortgage Loan Application Amount | $273,320 |
| Highest Mortgage Loan Application Amount | $1,463,000 |
| Average Applicant Income | $113,545 |
| Highest Applicant Income | $2,381,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Right-Away Mortgage, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 1,555 | $ 514,103,000 | $ 330,612 | $ 132,000 |
| Riverside-San Bernardino-Ontario, CA | 1,282 | $ 322,088,000 | $ 251,238 | $ 107,000 |
| Santa Ana-Anaheim-Irvine, CA | 259 | $ 86,100,000 | $ 332,432 | $ 145,000 |
| Las Vegas-Paradise, NV | 199 | $ 43,928,000 | $ 220,743 | $ 107,000 |
| San Diego-Carlsbad-San Marcos, CA | 179 | $ 55,402,000 | $ 309,508 | $ 128,000 |
| Oakland-Fremont-Hayward, CA | 174 | $ 63,781,000 | $ 366,557 | $ 138,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 155 | $ 38,049,000 | $ 245,477 | $ 104,000 |
| Stockton, CA | 140 | $ 34,477,000 | $ 246,264 | $ 105,000 |
| Bakersfield, CA | 119 | $ 21,564,000 | $ 181,210 | $ 81,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 106 | $ 43,021,000 | $ 405,858 | $ 143,000 |
| Atlanta-Sandy Springs-Marietta, GA | 87 | $ 11,283,000 | $ 129,689 | $ 63,000 |
| Phoenix-Mesa-Scottsdale, AZ | 85 | $ 18,467,000 | $ 217,258 | $ 89,000 |
| Fresno, CA | 80 | $ 17,552,000 | $ 219,400 | $ 77,000 |
| Vallejo-Fairfield, CA | 64 | $ 20,866,000 | $ 326,031 | $ 124,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 54 | $ 13,234,000 | $ 245,074 | $ 96,000 |
| Modesto, CA | 53 | $ 12,437,000 | $ 234,660 | $ 92,000 |
| El Centro, CA | 49 | $ 7,181,000 | $ 146,551 | $ 72,000 |
| Tampa-St. Petersburg-Clearwater, FL | 46 | $ 9,416,000 | $ 204,695 | $ 115,000 |
| Miami-Miami Beach-Kendall, FL | 37 | $ 7,341,000 | $ 198,405 | $ 77,000 |
| San Francisco-San Mateo-Redwood City, CA | 35 | $ 18,518,000 | $ 529,085 | $ 172,000 |
| Chicago-Naperville-Joliet, IL | 33 | $ 5,476,000 | $ 165,939 | $ 75,000 |
| New Haven-Milford, CT | 33 | $ 5,684,000 | $ 172,242 | $ 82,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 33 | $ 12,659,000 | $ 383,606 | $ 130,000 |
| Orlando-Kissimmee, FL | 32 | $ 5,789,000 | $ 180,906 | $ 71,000 |
| Visalia-Porterville, CA | 32 | $ 4,820,000 | $ 150,625 | $ 58,000 |
| St. Louis, MO-IL | 27 | $ 2,985,000 | $ 110,555 | $ 71,259 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 25 | $ 4,555,000 | $ 182,200 | $ 100,000 |
| Memphis, TN-MS-AR | 24 | $ 2,544,000 | $ 106,000 | $ 53,000 |
| Tucson, AZ | 23 | $ 4,841,000 | $ 210,478 | $ 88,000 |
| Yuba City, CA | 23 | $ 3,856,000 | $ 167,652 | $ 76,000 |
| San Luis Obispo-Paso Robles, CA | 22 | $ 6,800,000 | $ 309,090 | $ 136,000 |
| Hartford-West Hartford-East Hartford, CT | 20 | $ 2,732,000 | $ 136,600 | $ 47,000 |
| Portland-Vancouver-Beaverton, OR-WA | 20 | $ 4,127,000 | $ 206,350 | $ 87,800 |
| Seattle-Bellevue-Everett, WA | 20 | $ 5,239,000 | $ 261,950 | $ 112,000 |
| Dallas-Plano-Irving, TX | 17 | $ 2,889,000 | $ 169,941 | $ 237,000 |
| Santa Rosa-Petaluma, CA | 17 | $ 7,040,000 | $ 414,117 | $ 127,000 |
| Charlotte-Gastonia-Concord, NC-SC | 16 | $ 2,358,000 | $ 147,375 | $ 77,000 |
| Houston-Sugar Land-Baytown, TX | 16 | $ 1,935,000 | $ 120,937 | $ 87,000 |
| Santa Barbara-Santa Maria, CA | 16 | $ 4,532,000 | $ 283,250 | $ 110,000 |
| Albuquerque, NM | 15 | $ 1,722,000 | $ 114,800 | $ 40,000 |
| Salinas, CA | 15 | $ 7,722,000 | $ 514,800 | $ 159,000 |
| Denver-Aurora, CO | 14 | $ 2,757,000 | $ 196,928 | $ 96,000 |
| Kansas City, MO-KS | 14 | $ 1,695,000 | $ 121,071 | $ 111,000 |
| Little Rock-North Little Rock, AR | 12 | $ 1,803,000 | $ 150,250 | $ 86,000 |
| Jacksonville, FL | 11 | $ 1,522,000 | $ 138,363 | $ 56,000 |
| Merced, CA | 11 | $ 2,738,000 | $ 248,909 | $ 73,000 |
| Madera, CA | 10 | $ 1,927,000 | $ 192,700 | $ 62,000 |
| Greeley, CO | 9 | $ 1,521,000 | $ 169,000 | $ 67,000 |
| Oklahoma City, OK | 9 | $ 719,000 | $ 79,888 | $ 51,000 |
| Cape Coral-Fort Myers, FL | 8 | $ 1,600,000 | $ 200,000 | $ 59,000 |
| Chico, CA | 8 | $ 1,697,000 | $ 212,125 | $ 131,000 |
| Tacoma, WA | 8 | $ 1,601,000 | $ 200,125 | $ 60,000 |
| Reno-Sparks, NV | 7 | $ 1,471,000 | $ 210,142 | $ 68,000 |
| Salem, OR | 7 | $ 1,277,000 | $ 182,428 | $ 43,000 |
| Birmingham-Hoover, AL | 6 | $ 615,000 | $ 102,500 | $ 52,000 |
| Bridgeport-Stamford-Norwalk, CT | 6 | $ 1,757,000 | $ 292,833 | $ 137,000 |
| Greensboro-High Point, NC | 6 | $ 763,000 | $ 127,166 | $ 55,000 |
| Hanford-Corcoran, CA | 6 | $ 1,257,000 | $ 209,500 | $ 88,000 |
| Lakeland, FL | 6 | $ 576,000 | $ 96,000 | $ 51,000 |
| Raleigh-Cary, NC | 6 | $ 608,000 | $ 101,333 | $ 65,000 |
| Redding, CA | 5 | $ 1,015,000 | $ 203,000 | $ 131,000 |
| Sarasota-Bradenton-Venice, FL | 5 | $ 1,160,000 | $ 232,000 | $ 59,000 |
| Cleveland, TN | 4 | $ 799,000 | $ 199,750 | $ 109,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 704,000 | $ 176,000 | $ 72,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 4 | $ 758,000 | $ 189,500 | $ 139,000 |
| Fort Worth-Arlington, TX | 4 | $ 1,086,000 | $ 271,500 | $ 105,000 |
| Naples-Marco Island, FL | 4 | $ 1,224,000 | $ 306,000 | $ 83,000 |
| Ocala, FL | 4 | $ 601,000 | $ 150,250 | $ 79,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 512,000 | $ 128,000 | $ 47,000 |
| San Antonio, TX | 4 | $ 503,000 | $ 125,750 | $ 102,000 |
| Austin-Round Rock, TX | 3 | $ 431,000 | $ 143,666 | $ 139,000 |
| Bremerton-Silverdale, WA | 3 | $ 421,000 | $ 140,333 | $ 60,000 |
| Colorado Springs, CO | 3 | $ 576,000 | $ 192,000 | $ 82,000 |
| Durham, NC | 3 | $ 303,000 | $ 101,000 | $ 44,000 |
| Las Cruces, NM | 3 | $ 568,000 | $ 189,333 | $ 72,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 479,000 | $ 159,666 | $ 79,000 |
| Nashville-Davidson--Murfreesboro, TN | 3 | $ 238,000 | $ 79,333 | $ 16,000 |
| Tallahassee, FL | 3 | $ 261,000 | $ 87,000 | $ 53,000 |
| Wilmington, NC | 3 | $ 627,000 | $ 209,000 | $ 58,000 |
| Yakima, WA | 3 | $ 318,000 | $ 106,000 | $ 48,000 |
| Yuma, AZ | 3 | $ 304,000 | $ 101,333 | $ 43,000 |
| Anniston-Oxford, AL | 2 | $ 89,000 | $ 44,500 | $ 31,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 187,000 | $ 93,500 | $ 62,000 |
| Bend, OR | 2 | $ 736,000 | $ 368,000 | $ 93,000 |
| Honolulu, HI | 2 | $ 1,015,000 | $ 507,500 | $ 118,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 100,000 | $ 50,000 | $ 50,000 |
| Longview, WA | 2 | $ 359,000 | $ 179,500 | $ 62,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 401,000 | $ 200,500 | $ 316,000 |
| Macon, GA | 2 | $ 345,000 | $ 172,500 | $ 60,000 |
| Mobile, AL | 2 | $ 160,000 | $ 80,000 | $ 93,000 |
| Napa, CA | 2 | $ 1,629,000 | $ 814,500 | $ 157,000 |
| Olympia, WA | 2 | $ 450,000 | $ 225,000 | $ 94,000 |
| Port St. Lucie-Fort Pierce, FL | 2 | $ 281,000 | $ 140,500 | $ 90,000 |
| Spokane, WA | 2 | $ 497,000 | $ 248,500 | $ 76,000 |
| Warner Robins, GA | 2 | $ 100,000 | $ 50,000 | $ 50,000 |
| Baltimore-Towson, MD | 1 | $ 578,000 | $ 578,000 | $ 137,000 |
| Baton Rouge, LA | 1 | $ 214,000 | $ 214,000 | $ 64,000 |
| Bellingham, WA | 1 | $ 130,000 | $ 130,000 | $ 34,000 |
| Burlington, NC | 1 | $ 107,000 | $ 107,000 | $ 31,000 |
| Carson City, NV | 1 | $ 217,000 | $ 217,000 | $ 42,000 |
| Eugene-Springfield, OR | 1 | $ 107,000 | $ 107,000 | $ 39,000 |
| Gadsden, AL | 1 | $ 113,000 | $ 113,000 | $ 112,000 |
| Hot Springs, AR | 1 | $ 72,000 | $ 72,000 | $ 42,000 |
| Huntsville, AL | 1 | $ 328,000 | $ 328,000 | $ 66,000 |
| Jackson, TN | 1 | $ 22,000 | $ 22,000 | $ 54,000 |
| Jacksonville, NC | 1 | $ 223,000 | $ 223,000 | $ 79,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 173,000 | $ 173,000 | $ 57,000 |
| Lexington-Fayette, KY | 1 | $ 70,000 | $ 70,000 | $ 49,000 |
| Morristown, TN | 1 | $ 203,000 | $ 203,000 | $ 71,000 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 200,000 | $ 200,000 | $ 66,000 |
| Ogden-Clearfield, UT | 1 | $ 119,000 | $ 119,000 | $ 59,000 |
| Peoria, IL | 1 | $ 78,000 | $ 78,000 | $ 36,000 |
| Savannah, GA | 1 | $ 133,000 | $ 133,000 | $ 38,000 |
| Sebastian-Vero Beach, FL | 1 | $ 295,000 | $ 295,000 | $ 82,000 |
| Topeka, KS | 1 | $ 159,000 | $ 159,000 | $ 97,000 |
| Tulsa, OK | 1 | $ 105,000 | $ 105,000 | $ 69,000 |
| Tyler, TX | 1 | $ 79,000 | $ 79,000 | $ 26,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 320,000 | $ 320,000 | $ 83,000 |
| Winston-Salem, NC | 1 | $ 108,000 | $ 108,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for Right-Away Mortgage, Inc. 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 3,908 | $922,855,000 | $236,000 | $1,463,000 | $118,000 | $1,440,000 |
| Refinancing | 2,660 | $872,314,000 | $327,000 | $1,440,000 | $107,000 | $2,381,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 3,089 | $811,531,000 | $262,000 | $1,215,000 | $109,000 | $754,000 |
| Not Provided | 1,141 | $335,909,000 | $294,000 | $1,463,000 | $106,000 | $846,000 |
| Black or African American | 1,001 | $239,520,000 | $239,000 | $1,280,000 | $105,000 | $809,000 |
| White | 897 | $266,475,000 | $297,000 | $1,440,000 | $129,000 | $1,440,000 |
| Asian | 359 | $120,155,000 | $334,000 | $1,200,000 | $166,000 | $2,381,000 |
| Native Hawaiian or Other Pacific Islander | 58 | $16,771,000 | $289,000 | $700,000 | $143,000 | $348,000 |
| American Indian or Alaskan Native | 23 | $4,808,000 | $209,000 | $556,000 | $95,000 | $219,000 |
| 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) | 6,565 | $1,794,577,000 | $273,000 | $1,463,000 | $114,000 | $2,381,000 |
| FHA-insured (Federal Housing Administration) | 3 | $592,000 | $197,000 | $409,000 | $78,000 | $104,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 2,797 | $763,869,000 | $273,000 | $1,463,000 | $112,000 | $2,381,000 |
| Loan Originated | 1,881 | $487,057,000 | $258,000 | $1,349,000 | $109,000 | $1,014,000 |
| Application Denied By Financial Institution | 1,713 | $493,996,000 | $288,000 | $1,400,000 | $122,000 | $792,000 |
| Application Approved But Not Accepted | 177 | $50,247,000 | $283,000 | $1,400,000 | $118,000 | $680,000 |
| 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 | 659 | $180,547,000 | $273,000 | $1,080,000 | $106,000 | $528,000 |
| Collateral | 495 | $144,556,000 | $292,000 | $1,295,000 | $138,000 | $731,000 |
| Debt-To-Income Ratio | 223 | $67,391,000 | $302,000 | $1,080,000 | $112,000 | $600,000 |
| Unverifiable Information | 134 | $39,348,000 | $293,000 | $1,000,000 | $139,000 | $792,000 |
| Employment History | 89 | $27,360,000 | $307,000 | $1,190,000 | $153,000 | $534,000 |
| Other | 80 | $24,127,000 | $301,000 | $1,177,000 | $123,000 | $318,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 22 | $8,716,000 | $396,000 | $1,400,000 | $138,000 | $522,000 |
| Credit Application Incomplete | 6 | $1,195,000 | $199,000 | $535,000 | $39,000 | $91,000 |
| Mortgage Insurance Denied | 5 | $756,000 | $151,000 | $374,000 | $153,000 | $322,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Right-Away Mortgage, Inc.'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 Right-Away Mortgage, 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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