Homeservices Lending, LLC Mortgage Lending & HMDA Data, 2012
In 2012, Homeservices Lending, LLC of West Des Moines, IA reported 3,539 mortgage applications totaling $741.6 million, up 30% from 2011. The average application was for $209,562, and applicants reported an average income of $104,784. 93% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (776), Kansas City, MO-KS (537) and Des Moines-West Des Moines, IA (258) (applications in parentheses).
| Mortgage Company & Address | Homeservices Lending, LLC 2700 Westown Parkway, Suite 345 West Des Moines, IA 50266 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 3,539 |
| Total Mortgage Loan Application Amount | $741,641,000 |
| Average Mortgage Loan Application Amount | $209,562 |
| Highest Mortgage Loan Application Amount | $804,000 |
| Average Applicant Income | $104,784 |
| Highest Applicant Income | $1,104,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Homeservices Lending, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Minneapolis-St. Paul-Bloomington, MN-WI | 776 | $ 170,988,000 | $ 220,345 | $ 104,744 |
| Kansas City, MO-KS | 537 | $ 102,381,000 | $ 190,653 | $ 98,832 |
| Des Moines-West Des Moines, IA | 258 | $ 45,940,000 | $ 178,062 | $ 91,000 |
| Atlanta-Sandy Springs-Marietta, GA | 243 | $ 57,902,000 | $ 238,279 | $ 116,000 |
| Louisville/Jefferson County, KY-IN | 225 | $ 38,897,000 | $ 172,875 | $ 85,288 |
| San Diego-Carlsbad-San Marcos, CA | 178 | $ 55,905,000 | $ 314,073 | $ 129,000 |
| Omaha-Council Bluffs, NE-IA | 164 | $ 27,042,000 | $ 164,890 | $ 91,341 |
| Tucson, AZ | 158 | $ 29,389,000 | $ 186,006 | $ 106,000 |
| Birmingham-Hoover, AL | 100 | $ 19,996,000 | $ 199,960 | $ 95,000 |
| Lincoln, NE | 77 | $ 11,000,000 | $ 142,857 | $ 78,000 |
| Cincinnati-Middletown, OH-KY-IN | 66 | $ 10,450,000 | $ 158,333 | $ 88,136 |
| Los Angeles-Long Beach-Glendale, CA | 60 | $ 21,652,000 | $ 360,866 | $ 155,000 |
| Greensboro-High Point, NC | 57 | $ 13,640,000 | $ 239,298 | $ 142,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 42 | $ 11,969,000 | $ 284,976 | $ 106,000 |
| Raleigh-Cary, NC | 42 | $ 9,256,000 | $ 220,380 | $ 106,000 |
| Santa Ana-Anaheim-Irvine, CA | 39 | $ 13,600,000 | $ 348,717 | $ 149,000 |
| Rochester, MN | 34 | $ 6,480,000 | $ 190,588 | $ 100,000 |
| Winston-Salem, NC | 34 | $ 6,188,000 | $ 182,000 | $ 102,000 |
| Durham-Chapel Hill, NC | 30 | $ 7,031,000 | $ 234,366 | $ 123,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 28 | $ 5,811,000 | $ 207,535 | $ 137,357 |
| Phoenix-Mesa-Glendale, AZ | 27 | $ 6,212,000 | $ 230,074 | $ 114,000 |
| Cedar Rapids, IA | 20 | $ 2,896,000 | $ 144,800 | $ 67,000 |
| Riverside-San Bernardino-Ontario, CA | 14 | $ 2,708,000 | $ 193,428 | $ 130,000 |
| St. Joseph, MO-KS | 14 | $ 2,061,000 | $ 147,214 | $ 77,000 |
| Springfield, MO | 13 | $ 1,394,000 | $ 107,230 | $ 71,000 |
| Miami-Miami Beach-Kendall, FL | 12 | $ 2,887,000 | $ 240,583 | $ 117,000 |
| Lexington-Fayette, KY | 11 | $ 1,732,000 | $ 157,454 | $ 89,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 11 | $ 3,324,000 | $ 302,181 | $ 121,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 8 | $ 2,214,000 | $ 276,750 | $ 114,000 |
| Baltimore-Towson, MD | 7 | $ 1,414,000 | $ 202,000 | $ 109,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 7 | $ 1,269,000 | $ 181,285 | $ 83,000 |
| St. Cloud, MN | 7 | $ 1,069,000 | $ 152,714 | $ 85,000 |
| Elizabethtown, KY | 6 | $ 755,000 | $ 125,833 | $ 70,000 |
| Ames, IA | 5 | $ 451,000 | $ 90,200 | $ 179,000 |
| Denver-Aurora-Broomfield, CO | 5 | $ 1,212,000 | $ 242,400 | $ 110,000 |
| San Francisco-San Mateo-Redwood City, CA | 5 | $ 2,211,000 | $ 442,200 | $ 180,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 1,358,000 | $ 339,500 | $ 100,000 |
| Cleveland-Elyria-Mentor, OH | 3 | $ 598,000 | $ 199,333 | $ 355,000 |
| Gainesville, GA | 3 | $ 539,000 | $ 179,666 | $ 65,000 |
| Iowa City, IA | 3 | $ 426,000 | $ 142,000 | $ 93,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 3 | $ 776,000 | $ 258,666 | $ 123,000 |
| San Antonio-New Braunfels, TX | 3 | $ 845,000 | $ 281,666 | $ 100,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 217,000 | $ 108,500 | $ 77,000 |
| Las Vegas-Paradise, NV | 2 | $ 536,000 | $ 268,000 | $ 168,000 |
| Lawrence, KS | 2 | $ 449,000 | $ 224,500 | $ 82,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 954,000 | $ 477,000 | $ 219,000 |
| Salt Lake City, UT | 2 | $ 776,000 | $ 388,000 | $ 477,000 |
| St. Louis, MO-IL | 2 | $ 600,000 | $ 300,000 | $ 144,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 646,000 | $ 323,000 | $ 178,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 500,000 | $ 250,000 | $ 148,000 |
| Wilmington, NC | 2 | $ 255,000 | $ 127,500 | $ 100,000 |
| Beaumont-Port Arthur, TX | 1 | $ 273,000 | $ 273,000 | $ 150,000 |
| Bowling Green, KY | 1 | $ 74,000 | $ 74,000 | $ 121,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 219,000 | $ 219,000 | $ 287,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 328,000 | $ 328,000 | $ 97,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 146,000 | $ 146,000 | $ 163,000 |
| Carson City, NV | 1 | $ 170,000 | $ 170,000 | $ 120,000 |
| Columbia, MO | 1 | $ 372,000 | $ 372,000 | $ 195,000 |
| Corvallis, OR | 1 | $ 204,000 | $ 204,000 | $ 47,000 |
| Dayton, OH | 1 | $ 84,000 | $ 84,000 | $ 21,000 |
| Duluth, MN-WI | 1 | $ 115,000 | $ 115,000 | $ 34,000 |
| Holland-Grand Haven, MI | 1 | $ 238,000 | $ 238,000 | $ 146,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 356,000 | $ 356,000 | $ 228,000 |
| Indianapolis-Carmel, IN | 1 | $ 197,000 | $ 197,000 | $ 70,000 |
| Jacksonville, FL | 1 | $ 296,000 | $ 296,000 | $ 169,000 |
| La Crosse, WI-MN | 1 | $ 142,000 | $ 142,000 | $ 46,000 |
| Madera-Chowchilla, CA | 1 | $ 247,000 | $ 247,000 | $ 67,000 |
| Manhattan, KS | 1 | $ 84,000 | $ 84,000 | $ 60,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 225,000 | $ 225,000 | $ 155,000 |
| Napa, CA | 1 | $ 375,000 | $ 375,000 | $ 363,000 |
| Naples-Marco Island, FL | 1 | $ 393,000 | $ 393,000 | $ 225,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 206,000 | $ 206,000 | $ 129,000 |
| Oshkosh-Neenah, WI | 1 | $ 316,000 | $ 316,000 | $ 75,000 |
| Port St. Lucie, FL | 1 | $ 285,000 | $ 285,000 | $ 95,000 |
| Prescott, AZ | 1 | $ 174,000 | $ 174,000 | $ 80,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 180,000 | $ 180,000 | $ 323,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 233,000 | $ 233,000 | $ 255,000 |
| Tulsa, OK | 1 | $ 417,000 | $ 417,000 | $ 208,000 |
| Wichita, KS | 1 | $ 210,000 | $ 210,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for Homeservices Lending, LLC in 2012
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 | 2,138 | $435,291,000 | $203,000 | $724,000 | $98,000 | $577,000 |
| Refinancing | 1,308 | $288,191,000 | $220,000 | $804,000 | $116,000 | $1,104,000 |
| Home Improvement | 93 | $18,159,000 | $195,000 | $610,000 | $103,000 | $469,000 |
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 | 3,264 | $680,028,000 | $208,000 | $804,000 | $105,000 | $1,104,000 |
| Asian | 102 | $23,742,000 | $232,000 | $600,000 | $111,000 | $295,000 |
| Hispanic | 79 | $17,508,000 | $221,000 | $484,000 | $108,000 | $332,000 |
| Not Provided | 57 | $13,851,000 | $243,000 | $447,000 | $108,000 | $265,000 |
| Black or African American | 36 | $6,293,000 | $174,000 | $417,000 | $77,000 | $208,000 |
| American Indian or Alaskan Native | 1 | $219,000 | $219,000 | $219,000 | $96,000 | $96,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $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) | 3,491 | $733,090,000 | $209,000 | $804,000 | $105,000 | $1,104,000 |
| FHA-insured (Federal Housing Administration) | 38 | $6,569,000 | $172,000 | $347,000 | $67,000 | $147,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,982,000 | $198,000 | $302,000 | $93,000 | $184,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 3,281 | $690,123,000 | $210,000 | $804,000 | $105,000 | $1,104,000 |
| Application Approved But Not Accepted | 213 | $43,155,000 | $202,000 | $625,000 | $101,000 | $720,000 |
| Application Denied By Financial Institution | 36 | $6,878,000 | $191,000 | $417,000 | $99,000 | $287,000 |
| Application Withdrawn By Applicant | 5 | $668,000 | $133,000 | $160,000 | $70,000 | $125,000 |
| Preapproval Denied by Financial Institution | 4 | $817,000 | $204,000 | $440,000 | $53,000 | $86,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 10 | $2,102,000 | $210,000 | $361,000 | $126,000 | $287,000 |
| Debt-To-Income Ratio | 10 | $2,002,000 | $200,000 | $440,000 | $61,000 | $161,000 |
| Credit Application Incomplete | 7 | $1,434,000 | $204,000 | $417,000 | $128,000 | $258,000 |
| Credit History | 4 | $631,000 | $157,000 | $329,000 | $64,000 | $88,000 |
| Unverifiable Information | 4 | $974,000 | $243,000 | $417,000 | $77,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $372,000 | $124,000 | $168,000 | $116,000 | $162,000 |
| Other | 2 | $180,000 | $90,000 | $177,000 | $40,000 | $46,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Homeservices Lending, LLC's 2012 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 Homeservices Lending, LLC'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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