Homeservices Lending, LLC Mortgage Lending & HMDA Data, 2013
In 2013, Homeservices Lending, LLC of West Des Moines, IA reported 8,928 mortgage applications totaling $1.9 billion, up 152% from 2012. The average application was for $207,778, and applicants reported an average income of $105,964. 84% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (1,914), Kansas City, MO-KS (1,142) and Des Moines-West Des Moines, IA (757) (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 | 8,928 |
| Total Mortgage Loan Application Amount | $1,855,046,000 |
| Average Mortgage Loan Application Amount | $207,778 |
| Highest Mortgage Loan Application Amount | $801,000 |
| Average Applicant Income | $105,964 |
| Highest Applicant Income | $2,167,000 |
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records Homeservices Lending, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,914 | $ 404,001,000 | $ 211,076 | $ 103,485 |
| Kansas City, MO-KS | 1,142 | $ 208,529,000 | $ 182,599 | $ 96,228 |
| Des Moines-West Des Moines, IA | 757 | $ 135,453,000 | $ 178,933 | $ 90,000 |
| Tucson, AZ | 476 | $ 79,442,000 | $ 166,894 | $ 102,000 |
| Louisville/Jefferson County, KY-IN | 454 | $ 77,342,000 | $ 170,356 | $ 84,850 |
| San Diego-Carlsbad-San Marcos, CA | 449 | $ 152,900,000 | $ 340,534 | $ 145,000 |
| Atlanta-Sandy Springs-Marietta, GA | 388 | $ 88,957,000 | $ 229,270 | $ 119,000 |
| Omaha-Council Bluffs, NE-IA | 374 | $ 63,091,000 | $ 168,692 | $ 92,973 |
| Lincoln, NE | 298 | $ 39,250,000 | $ 131,711 | $ 69,000 |
| Los Angeles-Long Beach-Glendale, CA | 171 | $ 63,391,000 | $ 370,707 | $ 156,000 |
| Birmingham-Hoover, AL | 162 | $ 28,812,000 | $ 177,851 | $ 83,000 |
| Raleigh-Cary, NC | 149 | $ 37,230,000 | $ 249,865 | $ 120,000 |
| Greensboro-High Point, NC | 145 | $ 30,811,000 | $ 212,489 | $ 120,000 |
| Baltimore-Towson, MD | 139 | $ 36,635,000 | $ 263,561 | $ 130,000 |
| Winston-Salem, NC | 119 | $ 25,150,000 | $ 211,344 | $ 112,000 |
| Rochester, MN | 112 | $ 20,045,000 | $ 178,973 | $ 102,000 |
| Santa Ana-Anaheim-Irvine, CA | 107 | $ 40,728,000 | $ 380,635 | $ 182,000 |
| Cincinnati-Middletown, OH-KY-IN | 97 | $ 14,973,000 | $ 154,360 | $ 93,938 |
| Oxnard-Thousand Oaks-Ventura, CA | 96 | $ 30,728,000 | $ 320,083 | $ 128,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 93 | $ 18,223,000 | $ 195,946 | $ 98,000 |
| Phoenix-Mesa-Glendale, AZ | 79 | $ 17,058,000 | $ 215,924 | $ 114,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 75 | $ 15,998,000 | $ 213,306 | $ 123,000 |
| Miami-Miami Beach-Kendall, FL | 72 | $ 15,028,000 | $ 208,722 | $ 120,000 |
| Durham-Chapel Hill, NC | 58 | $ 11,515,000 | $ 198,534 | $ 99,000 |
| Lexington-Fayette, KY | 50 | $ 9,507,000 | $ 190,140 | $ 96,000 |
| Fresno, CA | 47 | $ 8,761,000 | $ 186,404 | $ 88,000 |
| Riverside-San Bernardino-Ontario, CA | 37 | $ 8,495,000 | $ 229,594 | $ 123,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 32 | $ 12,035,000 | $ 376,093 | $ 130,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 28 | $ 6,253,000 | $ 223,321 | $ 99,571 |
| Cedar Rapids, IA | 25 | $ 3,180,000 | $ 127,200 | $ 67,000 |
| St. Joseph, MO-KS | 23 | $ 2,877,000 | $ 125,086 | $ 59,000 |
| Houston-Sugar Land-Baytown, TX | 18 | $ 4,625,000 | $ 256,944 | $ 132,000 |
| St. Cloud, MN | 15 | $ 2,136,000 | $ 142,400 | $ 99,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 11 | $ 2,465,000 | $ 224,090 | $ 108,363 |
| Elizabethtown, KY | 10 | $ 1,295,000 | $ 129,500 | $ 71,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 10 | $ 2,943,000 | $ 294,300 | $ 202,000 |
| Iowa City, IA | 9 | $ 1,199,000 | $ 133,222 | $ 62,000 |
| San Antonio-New Braunfels, TX | 9 | $ 1,794,000 | $ 199,333 | $ 106,000 |
| San Francisco-San Mateo-Redwood City, CA | 9 | $ 3,639,000 | $ 404,333 | $ 206,000 |
| Springfield, MO | 9 | $ 901,000 | $ 100,111 | $ 52,000 |
| Wilmington, NC | 9 | $ 2,106,000 | $ 234,000 | $ 187,000 |
| Denver-Aurora-Broomfield, CO | 8 | $ 1,884,000 | $ 235,500 | $ 176,000 |
| Duluth, MN-WI | 7 | $ 1,444,000 | $ 206,285 | $ 113,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 6 | $ 1,366,000 | $ 227,666 | $ 107,000 |
| Tuscaloosa, AL | 6 | $ 674,000 | $ 112,333 | $ 72,000 |
| Bend, OR | 5 | $ 1,158,000 | $ 231,600 | $ 95,000 |
| Burlington, NC | 5 | $ 1,012,000 | $ 202,400 | $ 99,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,169,000 | $ 233,800 | $ 284,000 |
| Sioux City, IA-NE-SD | 5 | $ 1,499,000 | $ 299,800 | $ 184,000 |
| Ames, IA | 4 | $ 695,000 | $ 173,750 | $ 85,000 |
| Blacksburg-Christiansburg-Radford, VA | 4 | $ 1,214,000 | $ 303,500 | $ 144,000 |
| Dallas-Plano-Irving, TX | 4 | $ 1,048,000 | $ 262,000 | $ 109,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 4 | $ 986,000 | $ 246,500 | $ 145,000 |
| Greeley, CO | 4 | $ 1,295,000 | $ 323,750 | $ 135,000 |
| Oklahoma City, OK | 4 | $ 1,075,000 | $ 268,750 | $ 240,000 |
| Salt Lake City, UT | 4 | $ 1,005,000 | $ 251,250 | $ 89,000 |
| Santa Rosa-Petaluma, CA | 4 | $ 1,213,000 | $ 303,250 | $ 502,000 |
| Asheville, NC | 3 | $ 362,000 | $ 120,666 | $ 195,000 |
| Austin-Round Rock-San Marcos, TX | 3 | $ 682,000 | $ 227,333 | $ 151,000 |
| Bakersfield-Delano, CA | 3 | $ 608,000 | $ 202,666 | $ 152,000 |
| Columbus, OH | 3 | $ 598,000 | $ 199,333 | $ 69,000 |
| Fort Collins-Loveland, CO | 3 | $ 843,000 | $ 281,000 | $ 116,000 |
| Indianapolis-Carmel, IN | 3 | $ 536,000 | $ 178,666 | $ 71,000 |
| Lawrence, KS | 3 | $ 543,000 | $ 181,000 | $ 99,000 |
| Naples-Marco Island, FL | 3 | $ 420,000 | $ 140,000 | $ 145,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 3 | $ 906,000 | $ 302,000 | $ 134,000 |
| Salem, OR | 3 | $ 464,000 | $ 154,666 | $ 142,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 433,000 | $ 144,333 | $ 75,000 |
| Akron, OH | 2 | $ 173,000 | $ 86,500 | $ 61,000 |
| Bethesda-Rockville-Frederick, MD | 2 | $ 765,000 | $ 382,500 | $ 117,000 |
| Boston-Quincy, MA | 2 | $ 719,000 | $ 359,500 | $ 115,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 475,000 | $ 237,500 | $ 134,000 |
| Columbia, MO | 2 | $ 324,000 | $ 162,000 | $ 77,000 |
| Dover, DE | 2 | $ 82,000 | $ 41,000 | $ 18,000 |
| Gainesville, GA | 2 | $ 415,000 | $ 207,500 | $ 75,000 |
| Gary, IN | 2 | $ 450,000 | $ 225,000 | $ 95,000 |
| Hanford-Corcoran, CA | 2 | $ 202,000 | $ 101,000 | $ 52,000 |
| Harrisburg-Carlisle, PA | 2 | $ 210,000 | $ 105,000 | $ 438,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 455,000 | $ 227,500 | $ 75,000 |
| Jacksonville, FL | 2 | $ 640,000 | $ 320,000 | $ 80,000 |
| La Crosse, WI-MN | 2 | $ 294,000 | $ 147,000 | $ 147,000 |
| Las Vegas-Paradise, NV | 2 | $ 194,000 | $ 97,000 | $ 86,000 |
| Madera-Chowchilla, CA | 2 | $ 447,000 | $ 223,500 | $ 138,000 |
| Mankato-North Mankato, MN | 2 | $ 332,000 | $ 166,000 | $ 105,000 |
| Morristown, TN | 2 | $ 140,000 | $ 70,000 | $ 16,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 795,000 | $ 397,500 | $ 106,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 585,000 | $ 292,500 | $ 75,000 |
| Prescott, AZ | 2 | $ 654,000 | $ 327,000 | $ 91,000 |
| Punta Gorda, FL | 2 | $ 260,000 | $ 130,000 | $ 95,000 |
| Reno-Sparks, NV | 2 | $ 353,000 | $ 176,500 | $ 391,000 |
| Richmond, VA | 2 | $ 185,000 | $ 92,500 | $ 124,000 |
| Roanoke, VA | 2 | $ 663,000 | $ 331,500 | $ 135,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 821,000 | $ 410,500 | $ 153,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 702,000 | $ 351,000 | $ 212,000 |
| Stockton, CA | 2 | $ 323,000 | $ 161,500 | $ 128,000 |
| Toledo, OH | 2 | $ 327,000 | $ 163,500 | $ 94,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 205,000 | $ 102,500 | $ 75,000 |
| Wilmington, DE-MD-NJ | 2 | $ 270,000 | $ 135,000 | $ 93,000 |
| Worcester, MA | 2 | $ 460,000 | $ 230,000 | $ 204,000 |
| Barnstable Town, MA | 1 | $ 412,000 | $ 412,000 | $ 87,000 |
| Beaumont-Port Arthur, TX | 1 | $ 132,000 | $ 132,000 | $ 112,000 |
| Chattanooga, TN-GA | 1 | $ 118,000 | $ 118,000 | $ 47,000 |
| Cleveland, TN | 1 | $ 371,000 | $ 371,000 | $ 88,000 |
| Corvallis, OR | 1 | $ 417,000 | $ 417,000 | $ 142,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 200,000 | $ 200,000 | $ 265,000 |
| Dayton, OH | 1 | $ 205,000 | $ 205,000 | $ 83,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 328,000 | $ 328,000 | $ 250,000 |
| Eau Claire, WI | 1 | $ 126,000 | $ 126,000 | $ 53,000 |
| Evansville, IN-KY | 1 | $ 254,000 | $ 254,000 | $ 140,000 |
| Flagstaff, AZ | 1 | $ 100,000 | $ 100,000 | $ 94,000 |
| Fort Worth-Arlington, TX | 1 | $ 114,000 | $ 114,000 | $ 46,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 268,000 | $ 268,000 | $ 103,000 |
| Holland-Grand Haven, MI | 1 | $ 230,000 | $ 230,000 | $ 146,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 220,000 | $ 220,000 | $ 66,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 152,000 | $ 152,000 | $ 122,000 |
| Macon, GA | 1 | $ 238,000 | $ 238,000 | $ 120,000 |
| Memphis, TN-MS-AR | 1 | $ 228,000 | $ 228,000 | $ 70,000 |
| Merced, CA | 1 | $ 216,000 | $ 216,000 | $ 156,000 |
| Mobile, AL | 1 | $ 27,000 | $ 27,000 | $ 27,000 |
| Modesto, CA | 1 | $ 73,000 | $ 73,000 | $ 140,000 |
| Napa, CA | 1 | $ 402,000 | $ 402,000 | $ 266,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 111,000 | $ 111,000 | $ 100,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 253,000 | $ 253,000 | $ 100,000 |
| Peabody, MA | 1 | $ 255,000 | $ 255,000 | $ 370,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 170,000 | $ 170,000 | $ 56,000 |
| Pittsburgh, PA | 1 | $ 220,000 | $ 220,000 | $ 132,000 |
| Port St. Lucie, FL | 1 | $ 200,000 | $ 200,000 | $ 110,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 154,000 | $ 154,000 | $ 1,810,000 |
| Savannah, GA | 1 | $ 147,000 | $ 147,000 | $ 136,000 |
| Sebastian-Vero Beach, FL | 1 | $ 221,000 | $ 221,000 | $ 442,000 |
| St. George, UT | 1 | $ 138,000 | $ 138,000 | $ 98,000 |
| St. Louis, MO-IL | 1 | $ 213,000 | $ 213,000 | $ 72,000 |
| Tacoma, WA | 1 | $ 135,000 | $ 135,000 | $ 105,000 |
| Topeka, KS | 1 | $ 82,000 | $ 82,000 | $ 67,000 |
| Tulsa, OK | 1 | $ 83,000 | $ 83,000 | $ 69,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 272,000 | $ 272,000 | $ 134,000 |
| Visalia-Porterville, CA | 1 | $ 154,000 | $ 154,000 | $ 187,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 203,000 | $ 203,000 | $ 93,000 |
| Wenatchee-East Wenatchee, WA | 1 | $ 342,000 | $ 342,000 | $ 125,000 |
| Wichita, KS | 1 | $ 335,000 | $ 335,000 | $ 200,000 |
| Yuma, AZ | 1 | $ 360,000 | $ 360,000 | $ 128,000 |
Mortgage Loan Application Detail Totals for Homeservices Lending, LLC in 2013
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 | 6,713 | $1,386,127,000 | $206,000 | $801,000 | $103,000 | $2,167,000 |
| Refinancing | 2,102 | $444,089,000 | $211,000 | $750,000 | $115,000 | $1,810,000 |
| Home Improvement | 113 | $24,830,000 | $219,000 | $587,000 | $114,000 | $428,000 |
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 | 7,958 | $1,636,098,000 | $205,000 | $801,000 | $105,000 | $2,167,000 |
| Asian | 358 | $87,664,000 | $244,000 | $626,000 | $116,000 | $792,000 |
| Hispanic | 284 | $58,631,000 | $206,000 | $573,000 | $103,000 | $500,000 |
| Not Provided | 213 | $50,664,000 | $237,000 | $612,000 | $112,000 | $465,000 |
| Black or African American | 99 | $18,201,000 | $183,000 | $417,000 | $96,000 | $420,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $2,604,000 | $289,000 | $417,000 | $136,000 | $257,000 |
| American Indian or Alaskan Native | 7 | $1,184,000 | $169,000 | $270,000 | $86,000 | $117,000 |
| 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) | 8,927 | $1,854,775,000 | $207,000 | $801,000 | $106,000 | $2,167,000 |
| VA-guaranteed (Veterans Administration) | 1 | $271,000 | $271,000 | $271,000 | $137,000 | $137,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 7,494 | $1,560,656,000 | $208,000 | $801,000 | $107,000 | $2,167,000 |
| Application Denied By Financial Institution | 619 | $123,552,000 | $199,000 | $732,000 | $97,000 | $820,000 |
| Application Approved But Not Accepted | 582 | $122,043,000 | $209,000 | $626,000 | $107,000 | $617,000 |
| Preapproval Denied by Financial Institution | 126 | $27,261,000 | $216,000 | $580,000 | $81,000 | $371,000 |
| Application Withdrawn By Applicant | 91 | $18,109,000 | $199,000 | $500,000 | $107,000 | $649,000 |
| File Closed For Incompleteness | 15 | $3,102,000 | $206,000 | $417,000 | $97,000 | $188,000 |
| Preapproval Approved but not Accepted | 1 | $323,000 | $323,000 | $323,000 | $69,000 | $69,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Collateral | 207 | $43,149,000 | $208,000 | $620,000 | $118,000 | $820,000 |
| Debt-To-Income Ratio | 192 | $37,900,000 | $197,000 | $619,000 | $69,000 | $371,000 |
| Credit History | 105 | $19,869,000 | $189,000 | $570,000 | $79,000 | $275,000 |
| Unverifiable Information | 76 | $16,875,000 | $222,000 | $732,000 | $101,000 | $327,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 59 | $13,208,000 | $223,000 | $626,000 | $98,000 | $233,000 |
| Other | 56 | $9,230,000 | $164,000 | $534,000 | $112,000 | $459,000 |
| Credit Application Incomplete | 28 | $6,390,000 | $228,000 | $590,000 | $112,000 | $507,000 |
| Employment History | 22 | $4,192,000 | $190,000 | $575,000 | $69,000 | $213,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Homeservices Lending, LLC's 2013 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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