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records Transnational Financial Networ filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Phoenix-Mesa-Scottsdale, AZ | 1,658 | $ 291,574,000 | $ 175,858 | $ 104,000 |
| Los Angeles-Long Beach-Glendale, CA | 370 | $ 123,187,000 | $ 332,937 | $ 121,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 322 | $ 136,640,000 | $ 424,347 | $ 186,000 |
| Oakland-Fremont-Hayward, CA | 313 | $ 110,662,000 | $ 353,552 | $ 130,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 303 | $ 80,105,000 | $ 264,372 | $ 124,000 |
| San Francisco-San Mateo-Redwood City, CA | 241 | $ 118,947,000 | $ 493,556 | $ 180,000 |
| Riverside-San Bernardino-Ontario, CA | 217 | $ 51,637,000 | $ 237,958 | $ 108,000 |
| Las Vegas-Paradise, NV | 116 | $ 27,520,000 | $ 237,241 | $ 87,000 |
| Santa Ana-Anaheim-Irvine, CA | 87 | $ 35,443,000 | $ 407,390 | $ 192,000 |
| Seattle-Bellevue-Everett, WA | 82 | $ 20,417,000 | $ 248,987 | $ 108,000 |
| Tucson, AZ | 82 | $ 16,245,000 | $ 198,109 | $ 95,000 |
| Tampa-St. Petersburg-Clearwater, FL | 71 | $ 9,542,000 | $ 134,394 | $ 95,000 |
| Stockton, CA | 66 | $ 19,977,000 | $ 302,681 | $ 134,000 |
| San Diego-Carlsbad-San Marcos, CA | 62 | $ 18,874,000 | $ 304,419 | $ 107,000 |
| Miami-Miami Beach-Kendall, FL | 58 | $ 14,148,000 | $ 243,931 | $ 75,000 |
| Vallejo-Fairfield, CA | 56 | $ 17,100,000 | $ 305,357 | $ 115,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 55 | $ 11,377,000 | $ 206,854 | $ 85,000 |
| Modesto, CA | 46 | $ 10,658,000 | $ 231,695 | $ 130,000 |
| Dallas-Plano-Irving, TX | 42 | $ 5,276,000 | $ 125,619 | $ 118,000 |
| Orlando-Kissimmee, FL | 37 | $ 6,161,000 | $ 166,513 | $ 110,000 |
| Fort Worth-Arlington, TX | 36 | $ 3,837,000 | $ 106,583 | $ 103,000 |
| Portland-Vancouver-Beaverton, OR-WA | 34 | $ 8,738,000 | $ 257,000 | $ 105,352 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 31 | $ 15,664,000 | $ 505,290 | $ 39,000 |
| Houston-Sugar Land-Baytown, TX | 28 | $ 3,144,000 | $ 112,285 | $ 94,000 |
| Merced, CA | 28 | $ 5,963,000 | $ 212,964 | $ 103,000 |
| Bakersfield, CA | 27 | $ 5,506,000 | $ 203,925 | $ 98,000 |
| St. Louis, MO-IL | 26 | $ 3,090,000 | $ 118,846 | $ 61,000 |
| Fresno, CA | 22 | $ 4,331,000 | $ 196,863 | $ 134,000 |
| Santa Cruz-Watsonville, CA | 22 | $ 9,353,000 | $ 425,136 | $ 199,000 |
| Jacksonville, FL | 21 | $ 2,877,000 | $ 137,000 | $ 78,000 |
| Spokane, WA | 21 | $ 2,055,000 | $ 97,857 | $ 60,000 |
| Tacoma, WA | 20 | $ 3,005,000 | $ 150,250 | $ 112,000 |
| Prescott, AZ | 17 | $ 2,136,000 | $ 125,647 | $ 51,000 |
| Kansas City, MO-KS | 16 | $ 3,114,000 | $ 194,625 | $ 175,625 |
| Salinas, CA | 15 | $ 4,654,000 | $ 310,266 | $ 140,000 |
| Cape Coral-Fort Myers, FL | 14 | $ 2,322,000 | $ 165,857 | $ 77,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 14 | $ 1,474,000 | $ 105,285 | $ 58,000 |
| Chico, CA | 13 | $ 2,017,000 | $ 155,153 | $ 106,000 |
| Boise City-Nampa, ID | 12 | $ 1,431,000 | $ 119,250 | $ 155,000 |
| Santa Rosa-Petaluma, CA | 12 | $ 4,130,000 | $ 344,166 | $ 814,000 |
| Yuba City, CA | 12 | $ 1,867,000 | $ 155,583 | $ 94,000 |
| Charlotte-Gastonia-Concord, NC-SC | 11 | $ 942,000 | $ 85,636 | $ 111,000 |
| Lakeland, FL | 11 | $ 1,618,000 | $ 147,090 | $ 37,000 |
| Reno-Sparks, NV | 11 | $ 3,833,000 | $ 348,454 | $ 587,000 |
| Fargo, ND-MN | 10 | $ 1,017,000 | $ 101,700 | $ 60,100 |
| Naples-Marco Island, FL | 10 | $ 4,178,000 | $ 417,800 | $ 172,000 |
| Port St. Lucie-Fort Pierce, FL | 10 | $ 1,206,000 | $ 120,600 | $ 128,000 |
| Flagstaff, AZ | 9 | $ 1,547,000 | $ 171,888 | $ 70,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 8 | $ 581,000 | $ 72,625 | $ 340,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 8 | $ 4,375,000 | $ 546,875 | $ 95,000 |
| Fort Collins-Loveland, CO | 7 | $ 1,528,000 | $ 218,285 | $ 147,000 |
| Kennewick-Richland-Pasco, WA | 7 | $ 710,000 | $ 101,428 | $ 39,000 |
| St. Joseph, MO-KS | 7 | $ 918,000 | $ 131,142 | $ 115,000 |
| Visalia-Porterville, CA | 7 | $ 869,000 | $ 124,142 | $ 79,000 |
| Napa, CA | 6 | $ 1,947,000 | $ 324,500 | $ 106,000 |
| Olympia, WA | 6 | $ 1,084,000 | $ 180,666 | $ 110,000 |
| Yuma, AZ | 6 | $ 863,000 | $ 143,833 | $ 27,000 |
| Laredo, TX | 5 | $ 523,000 | $ 104,600 | $ 40,000 |
| Oklahoma City, OK | 5 | $ 491,000 | $ 98,200 | $ 142,000 |
| Pensacola-Ferry Pass-Brent, FL | 5 | $ 597,000 | $ 119,400 | $ 0 |
| Yakima, WA | 5 | $ 458,000 | $ 91,600 | $ 46,000 |
| Austin-Round Rock, TX | 4 | $ 1,080,000 | $ 270,000 | $ 132,000 |
| Bremerton-Silverdale, WA | 4 | $ 688,000 | $ 172,000 | $ 125,000 |
| Colorado Springs, CO | 4 | $ 441,000 | $ 110,250 | $ 108,000 |
| Denver-Aurora, CO | 4 | $ 1,041,000 | $ 260,250 | $ 0 |
| Eugene-Springfield, OR | 4 | $ 684,000 | $ 171,000 | $ 63,000 |
| Gainesville, FL | 4 | $ 369,000 | $ 92,250 | $ 141,000 |
| Indianapolis-Carmel, IN | 4 | $ 467,000 | $ 116,750 | $ 147,000 |
| Little Rock-North Little Rock, AR | 4 | $ 305,000 | $ 76,250 | $ 195,000 |
| Logan, UT-ID | 4 | $ 354,000 | $ 88,500 | $ 58,000 |
| Ocala, FL | 4 | $ 440,000 | $ 110,000 | $ 0 |
| Albuquerque, NM | 3 | $ 525,000 | $ 175,000 | $ 68,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 591,000 | $ 197,000 | $ 64,000 |
| St. George, UT | 3 | $ 412,000 | $ 137,333 | $ 0 |
| Topeka, KS | 3 | $ 121,000 | $ 40,333 | $ 34,000 |
| Anchorage, AK | 2 | $ 217,000 | $ 108,500 | $ 73,000 |
| Asheville, NC | 2 | $ 194,000 | $ 97,000 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 305,000 | $ 152,500 | $ 110,000 |
| Baltimore-Towson, MD | 2 | $ 520,000 | $ 260,000 | $ 0 |
| Bethesda-Gaithersburg-Frederick, MD | 2 | $ 658,000 | $ 329,000 | $ 168,000 |
| Grand Junction, CO | 2 | $ 184,000 | $ 92,000 | $ 52,000 |
| Knoxville, TN | 2 | $ 230,000 | $ 115,000 | $ 33,000 |
| Lexington-Fayette, KY | 2 | $ 119,000 | $ 59,500 | $ 68,000 |
| Longview, WA | 2 | $ 210,000 | $ 105,000 | $ 56,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 1,028,000 | $ 514,000 | $ 271,000 |
| Madera, CA | 2 | $ 421,000 | $ 210,500 | $ 0 |
| Memphis, TN-MS-AR | 2 | $ 1,306,000 | $ 653,000 | $ 0 |
| Mount Vernon-Anacortes, WA | 2 | $ 261,000 | $ 130,500 | $ 0 |
| Nashville-Davidson--Murfreesboro, TN | 2 | $ 351,000 | $ 175,500 | $ 246,000 |
| Ogden-Clearfield, UT | 2 | $ 388,000 | $ 194,000 | $ 0 |
| Pocatello, ID | 2 | $ 216,000 | $ 108,000 | $ 43,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 2 | $ 205,000 | $ 102,500 | $ 0 |
| San Antonio, TX | 2 | $ 597,000 | $ 298,500 | $ 73,000 |
| Santa Fe, NM | 2 | $ 260,000 | $ 130,000 | $ 70,000 |
| Spartanburg, SC | 2 | $ 304,000 | $ 152,000 | $ 155,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 675,000 | $ 337,500 | $ 92,000 |
| Wichita, KS | 2 | $ 120,000 | $ 60,000 | $ 249,000 |
| Ann Arbor, MI | 1 | $ 266,000 | $ 266,000 | $ 115,000 |
| Beaumont-Port Arthur, TX | 1 | $ 118,000 | $ 118,000 | $ 60,000 |
| Bend, OR | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Bismarck, ND | 1 | $ 205,000 | $ 205,000 | $ 42,000 |
| Carson City, NV | 1 | $ 204,000 | $ 204,000 | $ 92,000 |
| Chattanooga, TN-GA | 1 | $ 147,000 | $ 147,000 | $ 60,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 213,000 | $ 213,000 | $ 68,000 |
| Columbia, MO | 1 | $ 27,000 | $ 27,000 | $ 49,000 |
| Greeley, CO | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Hanford-Corcoran, CA | 1 | $ 203,000 | $ 203,000 | $ 216,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 191,000 | $ 191,000 | $ 0 |
| Honolulu, HI | 1 | $ 402,000 | $ 402,000 | $ 382,000 |
| Lawrence, KS | 1 | $ 121,000 | $ 121,000 | $ 78,000 |
| Madison, WI | 1 | $ 257,000 | $ 257,000 | $ 0 |
| Panama City-Lynn Haven, FL | 1 | $ 239,000 | $ 239,000 | $ 104,000 |
| Punta Gorda, FL | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Redding, CA | 1 | $ 164,000 | $ 164,000 | $ 157,000 |
| Roanoke, VA | 1 | $ 200,000 | $ 200,000 | $ 118,000 |
| Salt Lake City, UT | 1 | $ 119,000 | $ 119,000 | $ 97,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 70,000 | $ 70,000 | $ 271,000 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 3,301,000 | $ 3,301,000 | $ 1,250,000 |
| Sebastian-Vero Beach, FL | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Springfield, MO | 1 | $ 312,000 | $ 312,000 | $ 151,000 |
| Tulsa, OK | 1 | $ 200,000 | $ 200,000 | $ 28,000 |
| Tyler, TX | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 174,000 | $ 174,000 | $ 44,000 |
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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