Transnational Financial Networ Mortgage Lending & HMDA Data, 2006

In 2006, Transnational Financial Networ of San Francisco, CA reported 5,476 mortgage applications totaling $1.4 billion, down 13% from 2005. The average application was for $247,943, and applicants reported an average income of $116,598. 30% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (1,658), Los Angeles-Long Beach-Glendale, CA (370) and San Jose-Sunnyvale-Santa Clara, CA (322) (applications in parentheses).

Mortgage Company & Address Transnational Financial Networ
401 Traval
San Francisco, CA 94116
Tel #: available with data download
Federal Regulator * available with data download
Years 2006  2005  2004  2003  
Total Number of Mortgage Applications 5,476
Total Mortgage Loan Application Amount $1,357,740,000
Average Mortgage Loan Application Amount $247,943
Highest Mortgage Loan Application Amount $5,250,000
Average Applicant Income $116,598
Highest Applicant Income $3,897,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Transnational Financial Networ filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Transnational Financial Networ by County in 2006

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 1,541 $ 275,224,000 $ 178,600 $ 93,000
Los Angeles, California 370 $ 123,187,000 $ 332,937 $ 121,000
Santa Clara, California 317 $ 134,975,000 $ 425,788 $ 187,000
Sacramento, California 232 $ 54,286,000 $ 233,991 $ 114,000
Alameda, California 164 $ 57,993,000 $ 353,615 $ 135,000
Contra Costa, California 149 $ 52,669,000 $ 353,483 $ 125,000
Riverside, California 120 $ 31,891,000 $ 265,758 $ 98,000
Pinal, Arizona 117 $ 16,350,000 $ 139,743 $ 242,000
Clark, Nevada 116 $ 27,520,000 $ 237,241 $ 87,000
San Francisco, California 114 $ 59,930,000 $ 525,701 $ 221,000
San Mateo, California 114 $ 52,576,000 $ 461,192 $ 134,000
San Bernardino, California 97 $ 19,746,000 $ 203,567 $ 121,000
Orange, California 87 $ 35,443,000 $ 407,390 $ 192,000
Pima, Arizona 82 $ 16,245,000 $ 198,109 $ 95,000
San Joaquin, California 66 $ 19,977,000 $ 302,681 $ 134,000
San Diego, California 62 $ 18,874,000 $ 304,419 $ 107,000
King, Washington 61 $ 16,704,000 $ 273,836 $ 118,000
Miami-Dade, Florida 58 $ 14,148,000 $ 243,931 $ 75,000
Solano, California 56 $ 17,100,000 $ 305,357 $ 115,000
Broward, Florida 55 $ 11,377,000 $ 206,854 $ 85,000
Placer, California 54 $ 21,761,000 $ 402,981 $ 165,000
Stanislaus, California 46 $ 10,658,000 $ 231,695 $ 130,000
Hillsborough, Florida 41 $ 3,974,000 $ 96,926 $ 94,000
Palm Beach, Florida 31 $ 15,664,000 $ 505,290 $ 39,000
Merced, California 28 $ 5,963,000 $ 212,964 $ 103,000
Tarrant, Texas 28 $ 2,969,000 $ 106,035 $ 106,000
Mohave, Arizona 27 $ 3,812,000 $ 141,185 $ 74,000
Kern, California 27 $ 5,506,000 $ 203,925 $ 98,000
Fresno, California 22 $ 4,331,000 $ 196,863 $ 134,000
Santa Cruz, California 22 $ 9,353,000 $ 425,136 $ 199,000
Snohomish, Washington 21 $ 3,713,000 $ 176,809 $ 79,000
Spokane, Washington 21 $ 2,055,000 $ 97,857 $ 60,000
Pierce, Washington 20 $ 3,005,000 $ 150,250 $ 112,000
Orange, Florida 19 $ 3,124,000 $ 164,421 $ 75,000
Duval, Florida 18 $ 2,537,000 $ 140,944 $ 74,000
Harris, Texas 18 $ 2,097,000 $ 116,500 $ 46,000
Yavapai, Arizona 17 $ 2,136,000 $ 125,647 $ 51,000
Pasco, Florida 17 $ 1,800,000 $ 105,882 $ 41,000
Collin, Texas 17 $ 2,099,000 $ 123,470 $ 179,000
Clark, Washington 16 $ 3,394,000 $ 212,125 $ 90,000
Monterey, California 15 $ 4,654,000 $ 310,266 $ 140,000
Lee, Florida 14 $ 2,322,000 $ 165,857 $ 77,000
Volusia, Florida 14 $ 1,474,000 $ 105,285 $ 58,000
Dallas, Texas 14 $ 1,934,000 $ 138,142 $ 63,000
Butte, California 13 $ 2,017,000 $ 155,153 $ 106,000
Marin, California 13 $ 6,441,000 $ 495,461 $ 233,000
Sonoma, California 12 $ 4,130,000 $ 344,166 $ 814,000
El Dorado, California 11 $ 3,458,000 $ 314,363 $ 146,000
Polk, Florida 11 $ 1,618,000 $ 147,090 $ 37,000
Jefferson, Missouri 11 $ 1,212,000 $ 110,181 $ 62,000
Washoe, Nevada 11 $ 3,833,000 $ 348,454 $ 587,000
Collier, Florida 10 $ 4,178,000 $ 417,800 $ 172,000
Seminole, Florida 10 $ 1,978,000 $ 197,800 $ 111,000
St. Lucie, Florida 10 $ 1,206,000 $ 120,600 $ 128,000
Coconino, Arizona 9 $ 1,547,000 $ 171,888 $ 70,000
Amador, California 9 $ 2,170,000 $ 241,111 $ 162,000
Ada, Idaho 9 $ 1,145,000 $ 127,222 $ 161,000
Multnomah, Oregon 9 $ 3,901,000 $ 433,444 $ 209,000
Washington, Arkansas 8 $ 581,000 $ 72,625 $ 340,000
Sutter, California 8 $ 1,372,000 $ 171,500 $ 79,000
Ventura, California 8 $ 4,375,000 $ 546,875 $ 95,000
Pinellas, Florida 8 $ 2,956,000 $ 369,500 $ 247,000
Tulare, California 7 $ 869,000 $ 124,142 $ 79,000
Larimer, Colorado 7 $ 1,528,000 $ 218,285 $ 147,000
Flagler, Florida 7 $ 996,000 $ 142,285 $ 151,000
Johnson, Kansas 7 $ 2,242,000 $ 320,285 $ 244,000
Clay, Minnesota 7 $ 667,000 $ 95,285 $ 64,000
Buchanan, Missouri 7 $ 918,000 $ 131,142 $ 115,000
St. Louis, Missouri 7 $ 573,000 $ 81,857 $ 72,000
Cochise, Arizona 6 $ 565,000 $ 94,166 $ 37,000
Yuma, Arizona 6 $ 863,000 $ 143,833 $ 27,000
Napa, California 6 $ 1,947,000 $ 324,500 $ 106,000
Yolo, California 6 $ 600,000 $ 100,000 $ 70,000
St. Louis City, Missouri 6 $ 952,000 $ 158,666 $ 26,000
Lyon, Nevada 6 $ 738,000 $ 123,000 $ 152,000
Mecklenburg, North Carolina 6 $ 535,000 $ 89,166 $ 152,000
Washington, Oregon 6 $ 835,000 $ 139,166 $ 44,000
Thurston, Washington 6 $ 1,084,000 $ 180,666 $ 110,000
Calaveras, California 5 $ 1,811,000 $ 362,200 $ 95,000
San Benito, California 5 $ 1,665,000 $ 333,000 $ 139,000
Escambia, Florida 5 $ 597,000 $ 119,400 $ 0
Hernando, Florida 5 $ 812,000 $ 162,400 $ 38,000
Lake, Florida 5 $ 775,000 $ 155,000 $ 264,000
Jackson, Missouri 5 $ 487,000 $ 97,400 $ 87,000
Oklahoma, Oklahoma 5 $ 491,000 $ 98,200 $ 142,000
Montgomery, Texas 5 $ 644,000 $ 128,800 $ 213,000
Webb, Texas 5 $ 523,000 $ 104,600 $ 40,000
Yakima, Washington 5 $ 458,000 $ 91,600 $ 46,000
Gila, Arizona 4 $ 373,000 $ 93,250 $ 14,000
Navajo, Arizona 4 $ 462,000 $ 115,500 $ 78,000
Pulaski, Arkansas 4 $ 305,000 $ 76,250 $ 195,000
Tehama, California 4 $ 806,000 $ 201,500 $ 164,000
Yuba, California 4 $ 495,000 $ 123,750 $ 123,000
El Paso, Colorado 4 $ 441,000 $ 110,250 $ 108,000
Alachua, Florida 4 $ 369,000 $ 92,250 $ 141,000
Marion, Florida 4 $ 440,000 $ 110,000 $ 0
Cabarrus, North Carolina 4 $ 333,000 $ 83,250 $ 72,000
Rowan, North Carolina 4 $ 238,000 $ 59,500 $ 34,000
Lane, Oregon 4 $ 684,000 $ 171,000 $ 63,000
Denton, Texas 4 $ 653,000 $ 163,250 $ 111,000
Fort Bend, Texas 4 $ 294,000 $ 73,500 $ 115,000
Kaufman, Texas 4 $ 359,000 $ 89,750 $ 61,000
Wise, Texas 4 $ 212,000 $ 53,000 $ 108,000
Cache, Utah 4 $ 354,000 $ 88,500 $ 58,000
Clallam, Washington 4 $ 516,000 $ 129,000 $ 21,000
Franklin, Washington 4 $ 271,000 $ 67,750 $ 42,000
Kitsap, Washington 4 $ 688,000 $ 172,000 $ 125,000
Sweetwater, Wyoming 4 $ 261,000 $ 65,250 $ 161,000
Nevada, California 3 $ 1,070,000 $ 356,666 $ 283,000
Brevard, Florida 3 $ 591,000 $ 197,000 $ 64,000
Monroe, Florida 3 $ 933,000 $ 311,000 $ 48,000
Osceola, Florida 3 $ 284,000 $ 94,666 $ 73,000
Canyon, Idaho 3 $ 286,000 $ 95,333 $ 136,000
Shawnee, Kansas 3 $ 121,000 $ 40,333 $ 34,000
Bernalillo, New Mexico 3 $ 525,000 $ 175,000 $ 68,000
Taos, New Mexico 3 $ 271,000 $ 90,333 $ 188,000
Cass, North Dakota 3 $ 350,000 $ 116,666 $ 51,000
Clackamas, Oregon 3 $ 608,000 $ 202,666 $ 0
Klamath, Oregon 3 $ 420,000 $ 140,000 $ 48,000
Parker, Texas 3 $ 560,000 $ 186,666 $ 100,000
Washington, Utah 3 $ 412,000 $ 137,333 $ 0
Benton, Washington 3 $ 439,000 $ 146,333 $ 34,000
Mason, Washington 3 $ 361,000 $ 120,333 $ 147,000
Matanuska-Susitna, Alaska 2 $ 217,000 $ 108,500 $ 73,000
La Paz, Arizona 2 $ 190,000 $ 95,000 $ 124,000
Santa Cruz, Arizona 2 $ 235,000 $ 117,500 $ 51,000
Colusa, California 2 $ 419,000 $ 209,500 $ 84,000
Humboldt, California 2 $ 269,000 $ 134,500 $ 71,000
Madera, California 2 $ 421,000 $ 210,500 $ 0
Tuolumne, California 2 $ 407,000 $ 203,500 $ 195,000
Denver, Colorado 2 $ 317,000 $ 158,500 $ 0
La Plata, Colorado 2 $ 220,000 $ 110,000 $ 160,000
Mesa, Colorado 2 $ 184,000 $ 92,000 $ 52,000
Clay, Florida 2 $ 270,000 $ 135,000 $ 86,000
Hendry, Florida 2 $ 298,000 $ 149,000 $ 114,000
Suwannee, Florida 2 $ 180,000 $ 90,000 $ 144,000
Walton, Florida 2 $ 1,436,000 $ 718,000 $ 614,000
Fulton, Georgia 2 $ 305,000 $ 152,500 $ 110,000
Bannock, Idaho 2 $ 216,000 $ 108,000 $ 43,000
Hancock, Indiana 2 $ 95,000 $ 47,500 $ 234,000
Hendricks, Indiana 2 $ 372,000 $ 186,000 $ 61,000
Butler, Kansas 2 $ 120,000 $ 60,000 $ 249,000
Leavenworth, Kansas 2 $ 167,000 $ 83,500 $ 240,000
Jefferson, Kentucky 2 $ 1,028,000 $ 514,000 $ 271,000
Jessamine, Kentucky 2 $ 119,000 $ 59,500 $ 68,000
Baltimore City, Maryland 2 $ 520,000 $ 260,000 $ 0
Montgomery, Maryland 2 $ 658,000 $ 329,000 $ 168,000
Platte, Missouri 2 $ 218,000 $ 109,000 $ 96,000
St. Charles, Missouri 2 $ 353,000 $ 176,500 $ 130,000
Douglas, Nevada 2 $ 1,240,000 $ 620,000 $ 308,000
Santa Fe, New Mexico 2 $ 260,000 $ 130,000 $ 70,000
Orange, New York 2 $ 205,000 $ 102,500 $ 0
Henderson, North Carolina 2 $ 194,000 $ 97,000 $ 0
Stanly, North Carolina 2 $ 183,000 $ 91,500 $ 45,000
Muskogee, Oklahoma 2 $ 73,000 $ 36,500 $ 26,000
Josephine, Oregon 2 $ 210,000 $ 105,000 $ 0
Spartanburg, South Carolina 2 $ 304,000 $ 152,000 $ 155,000
Blount, Tennessee 2 $ 230,000 $ 115,000 $ 33,000
Shelby, Tennessee 2 $ 1,306,000 $ 653,000 $ 0
Wilson, Tennessee 2 $ 351,000 $ 175,500 $ 246,000
Bexar, Texas 2 $ 597,000 $ 298,500 $ 73,000
Madison, Texas 2 $ 172,000 $ 86,000 $ 110,000
Rockwall, Texas 2 $ 110,000 $ 55,000 $ 47,000
Travis, Texas 2 $ 660,000 $ 330,000 $ 147,000
Williamson, Texas 2 $ 420,000 $ 210,000 $ 118,000
Davis, Utah 2 $ 388,000 $ 194,000 $ 0
Adams, Washington 2 $ 180,000 $ 90,000 $ 73,000
Cowlitz, Washington 2 $ 210,000 $ 105,000 $ 56,000
Grays Harbor, Washington 2 $ 101,000 $ 50,500 $ 117,000
Skagit, Washington 2 $ 261,000 $ 130,500 $ 0
Kings, California 1 $ 203,000 $ 203,000 $ 216,000
Lake, California 1 $ 196,000 $ 196,000 $ 0
Mendocino, California 1 $ 648,000 $ 648,000 $ 211,000
San Luis Obispo, California 1 $ 70,000 $ 70,000 $ 271,000
Shasta, California 1 $ 164,000 $ 164,000 $ 157,000
Adams, Colorado 1 $ 192,000 $ 192,000 $ 0
Elbert, Colorado 1 $ 532,000 $ 532,000 $ 0
Montrose, Colorado 1 $ 128,000 $ 128,000 $ 48,000
Summit, Colorado 1 $ 130,000 $ 130,000 $ 184,000
Weld, Colorado 1 $ 126,000 $ 126,000 $ 0
Hartford, Connecticut 1 $ 191,000 $ 191,000 $ 0
Bay, Florida 1 $ 239,000 $ 239,000 $ 104,000
Calhoun, Florida 1 $ 268,000 $ 268,000 $ 120,000
Charlotte, Florida 1 $ 109,000 $ 109,000 $ 0
Indian River, Florida 1 $ 100,000 $ 100,000 $ 0
Sarasota, Florida 1 $ 3,301,000 $ 3,301,000 $ 1,250,000
St. Johns, Florida 1 $ 70,000 $ 70,000 $ 133,000
Union, Georgia 1 $ 2,000,000 $ 2,000,000 $ 0
Honolulu, Hawaii 1 $ 402,000 $ 402,000 $ 382,000
Dickinson, Iowa 1 $ 240,000 $ 240,000 $ 81,000
Douglas, Kansas 1 $ 121,000 $ 121,000 $ 78,000
Kenton, Kentucky 1 $ 213,000 $ 213,000 $ 68,000
Washtenaw, Michigan 1 $ 266,000 $ 266,000 $ 115,000
Norman, Minnesota 1 $ 86,000 $ 86,000 $ 78,000
Boone, Missouri 1 $ 27,000 $ 27,000 $ 49,000
Greene, Missouri 1 $ 312,000 $ 312,000 $ 151,000
Flathead, Montana 1 $ 160,000 $ 160,000 $ 90,000
Carson City, Nevada 1 $ 204,000 $ 204,000 $ 92,000
Churchill, Nevada 1 $ 57,000 $ 57,000 $ 53,000
Elko, Nevada 1 $ 51,000 $ 51,000 $ 0
Cibola, New Mexico 1 $ 140,000 $ 140,000 $ 0
Anson, North Carolina 1 $ 74,000 $ 74,000 $ 26,000
Burleigh, North Dakota 1 $ 205,000 $ 205,000 $ 42,000
Traill, North Dakota 1 $ 52,000 $ 52,000 $ 35,000
Tulsa, Oklahoma 1 $ 200,000 $ 200,000 $ 28,000
Deschutes, Oregon 1 $ 135,000 $ 135,000 $ 48,000
Abbeville, South Carolina 1 $ 114,000 $ 114,000 $ 188,000
Beaufort, South Carolina 1 $ 700,000 $ 700,000 $ 150,000
Hamilton, Tennessee 1 $ 147,000 $ 147,000 $ 60,000
Ellis, Texas 1 $ 121,000 $ 121,000 $ 223,000
Galveston, Texas 1 $ 109,000 $ 109,000 $ 264,000
Jefferson, Texas 1 $ 118,000 $ 118,000 $ 60,000
Johnson, Texas 1 $ 96,000 $ 96,000 $ 0
Smith, Texas 1 $ 96,000 $ 96,000 $ 0
Salt Lake, Utah 1 $ 119,000 $ 119,000 $ 97,000
Fairfax, Virginia 1 $ 400,000 $ 400,000 $ 71,000
Gloucester, Virginia 1 $ 174,000 $ 174,000 $ 44,000
Prince William, Virginia 1 $ 275,000 $ 275,000 $ 114,000
Roanoke, Virginia 1 $ 200,000 $ 200,000 $ 118,000
Island, Washington 1 $ 256,000 $ 256,000 $ 39,000
Kittitas, Washington 1 $ 104,000 $ 104,000 $ 191,000
Dane, Wisconsin 1 $ 257,000 $ 257,000 $ 0

Mortgage Loan Application Detail Totals for Transnational Financial Networ 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 3,467 $777,510,000 $224,000 $3,301,000 $110,000 $2,400,000
Refinancing 2,008 $580,019,000 $288,000 $5,250,000 $128,000 $3,897,000
Home Improvement 1 $211,000 $211,000 $211,000 $101,000 $101,000

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 1,950 $525,169,000 $269,000 $3,640,000 $167,000 $3,897,000
Hispanic 1,317 $256,903,000 $195,000 $1,500,000 $74,000 $523,000
Not Provided 1,244 $289,218,000 $232,000 $5,250,000 $87,000 $2,094,000
Asian 488 $172,464,000 $353,000 $3,169,000 $128,000 $2,400,000
Black or African American 424 $100,019,000 $235,000 $2,000,000 $97,000 $661,000
Native Hawaiian or Other Pacific Islander 43 $11,986,000 $278,000 $998,000 $85,000 $300,000
American Indian or Alaskan Native 10 $1,981,000 $198,000 $500,000 $72,000 $341,000
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) 5,468 $1,356,359,000 $248,000 $5,250,000 $117,000 $3,897,000
VA-guaranteed (Veterans Administration) 5 $987,000 $197,000 $280,000 $54,000 $78,000
FHA-insured (Federal Housing Administration) 2 $294,000 $147,000 $168,000 $49,000 $56,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $100,000 $100,000 $100,000 $114,000 $114,000

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 1,649 $415,079,000 $251,000 $2,000,000 $123,000 $3,897,000
Application Denied By Financial Institution 1,426 $333,279,000 $233,000 $5,250,000 $100,000 $1,740,000
Application Approved But Not Accepted 992 $287,664,000 $289,000 $3,301,000 $121,000 $2,400,000
Application Withdrawn By Applicant 700 $173,446,000 $247,000 $3,000,000 $140,000 $1,280,000
File Closed For Incompleteness 501 $121,500,000 $242,000 $1,500,000 $113,000 $795,000
Loan Purchased By The Institution 208 $26,772,000 $128,000 $650,000 $93,000 $456,000
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 65 $12,712,000 $195,000 $1,120,000 $154,000 $1,275,000
Debt-To-Income Ratio 30 $5,260,000 $175,000 $648,000 $147,000 $624,000
Collateral 24 $3,319,000 $138,000 $422,000 $103,000 $356,000
Other 22 $7,079,000 $321,000 $1,388,000 $168,000 $480,000
Employment History 10 $1,724,000 $172,000 $384,000 $185,000 $264,000
Unverifiable Information 8 $1,340,000 $167,000 $433,000 $135,000 $444,000
Credit Application Incomplete 1 $184,000 $184,000 $184,000 $192,000 $192,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Transnational Financial Networ'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 Transnational Financial Networ'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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