Homeservices Lending, LLC Mortgage Lending & HMDA Data, 2015
In 2015, Homeservices Lending, LLC of West Des Moines, IA reported 12,118 mortgage applications totaling $2.8 billion, up 102% from 2014. The average application was for $231,189, and applicants reported an average income of $101,400. 78% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (2,616), Atlanta-Sandy Springs-Roswell, GA (1,305) and Des Moines-West Des Moines, IA (1,264) (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 | 12,118 |
| Total Mortgage Loan Application Amount | $2,801,557,000 |
| Average Mortgage Loan Application Amount | $231,189 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $101,400 |
| Highest Applicant Income | $1,962,000 |
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records Homeservices Lending, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,616 | $ 575,279,000 | $ 219,907 | $ 98,796 |
| Atlanta-Sandy Springs-Roswell, GA | 1,305 | $ 333,613,000 | $ 255,642 | $ 115,000 |
| Des Moines-West Des Moines, IA | 1,264 | $ 236,011,000 | $ 186,717 | $ 89,000 |
| Kansas City, MO-KS | 1,239 | $ 231,762,000 | $ 187,055 | $ 89,639 |
| Louisville/Jefferson County, KY-IN | 601 | $ 95,938,000 | $ 159,630 | $ 73,775 |
| Tucson, AZ | 565 | $ 114,651,000 | $ 202,922 | $ 99,000 |
| San Diego-Carlsbad, CA | 509 | $ 260,177,000 | $ 511,153 | $ 173,000 |
| Birmingham-Hoover, AL | 361 | $ 60,170,000 | $ 166,675 | $ 72,000 |
| Chicago-Naperville-Arlington Heights, IL | 352 | $ 110,955,000 | $ 315,213 | $ 144,000 |
| Omaha-Council Bluffs, NE-IA | 320 | $ 51,269,000 | $ 160,215 | $ 78,775 |
| Cincinnati, OH-KY-IN | 310 | $ 43,706,000 | $ 140,987 | $ 75,490 |
| Raleigh, NC | 177 | $ 41,632,000 | $ 235,209 | $ 105,000 |
| Baltimore-Columbia-Towson, MD | 173 | $ 46,242,000 | $ 267,294 | $ 107,000 |
| Lincoln, NE | 163 | $ 23,086,000 | $ 141,631 | $ 70,000 |
| Anaheim-Santa Ana-Irvine, CA | 159 | $ 101,070,000 | $ 635,660 | $ 222,000 |
| Rochester, MN | 136 | $ 25,219,000 | $ 185,433 | $ 83,000 |
| Charlotte-Concord-Gastonia, NC-SC | 135 | $ 30,350,000 | $ 224,814 | $ 102,000 |
| Greensboro-High Point, NC | 109 | $ 19,073,000 | $ 174,981 | $ 92,000 |
| Los Angeles-Long Beach-Glendale, CA | 97 | $ 51,876,000 | $ 534,804 | $ 164,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 90 | $ 36,662,000 | $ 407,355 | $ 146,000 |
| Elizabethtown-Fort Knox, KY | 88 | $ 11,317,000 | $ 128,602 | $ 58,000 |
| Winston-Salem, NC | 85 | $ 17,466,000 | $ 205,482 | $ 95,000 |
| Phoenix-Mesa-Scottsdale, AZ | 74 | $ 17,011,000 | $ 229,878 | $ 96,000 |
| Gainesville, GA | 71 | $ 12,143,000 | $ 171,028 | $ 60,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 65 | $ 17,252,000 | $ 265,415 | $ 120,000 |
| Miami-Miami Beach-Kendall, FL | 64 | $ 18,625,000 | $ 291,015 | $ 139,000 |
| Durham-Chapel Hill, NC | 55 | $ 10,484,000 | $ 190,618 | $ 84,000 |
| Sierra Vista-Douglas, AZ | 52 | $ 7,760,000 | $ 149,230 | $ 65,000 |
| Lake County-Kenosha County, IL-WI | 46 | $ 10,836,000 | $ 235,565 | $ 105,000 |
| Lexington-Fayette, KY | 43 | $ 8,787,000 | $ 204,348 | $ 93,000 |
| Santa Maria-Santa Barbara, CA | 38 | $ 20,966,000 | $ 551,736 | $ 236,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 32 | $ 18,538,000 | $ 579,312 | $ 167,000 |
| Riverside-San Bernardino-Ontario, CA | 28 | $ 8,253,000 | $ 294,750 | $ 177,000 |
| St. Cloud, MN | 23 | $ 2,920,000 | $ 126,956 | $ 64,000 |
| Tuscaloosa, AL | 17 | $ 2,459,000 | $ 144,647 | $ 66,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 15 | $ 3,769,000 | $ 251,266 | $ 110,800 |
| Lawrence, KS | 9 | $ 1,923,000 | $ 213,666 | $ 102,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 8 | $ 2,428,000 | $ 303,500 | $ 120,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 7 | $ 2,928,000 | $ 418,285 | $ 140,000 |
| Cedar Rapids, IA | 6 | $ 1,041,000 | $ 173,500 | $ 68,000 |
| Eau Claire, WI | 6 | $ 906,000 | $ 151,000 | $ 88,000 |
| Ames, IA | 5 | $ 995,000 | $ 199,000 | $ 67,000 |
| Burlington, NC | 5 | $ 1,017,000 | $ 203,400 | $ 89,000 |
| Denver-Aurora-Lakewood, CO | 5 | $ 1,990,000 | $ 398,000 | $ 195,000 |
| Elgin, IL | 5 | $ 1,120,000 | $ 224,000 | $ 78,000 |
| Hickory-Lenoir-Morganton, NC | 4 | $ 586,000 | $ 146,500 | $ 63,000 |
| Iowa City, IA | 4 | $ 1,195,000 | $ 298,750 | $ 108,000 |
| Mankato-North Mankato, MN | 4 | $ 246,000 | $ 61,500 | $ 38,000 |
| San Francisco-Redwood City-South San Francisco, CA | 4 | $ 1,933,000 | $ 483,250 | $ 124,000 |
| Sioux City, IA-NE-SD | 4 | $ 853,000 | $ 213,250 | $ 94,000 |
| St. Joseph, MO-KS | 4 | $ 550,000 | $ 137,500 | $ 76,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 1,461,000 | $ 365,250 | $ 169,000 |
| Bowling Green, KY | 3 | $ 295,000 | $ 98,333 | $ 66,000 |
| Cleveland-Elyria, OH | 3 | $ 574,000 | $ 191,333 | $ 133,000 |
| Dallas-Plano-Irving, TX | 3 | $ 866,000 | $ 288,666 | $ 124,000 |
| Dayton, OH | 3 | $ 683,000 | $ 227,666 | $ 116,000 |
| Harrisonburg, VA | 3 | $ 487,000 | $ 162,333 | $ 53,000 |
| Oakland-Hayward-Berkeley, CA | 3 | $ 2,555,000 | $ 851,666 | $ 236,000 |
| Port St. Lucie, FL | 3 | $ 631,000 | $ 210,333 | $ 75,000 |
| Rocky Mount, NC | 3 | $ 283,000 | $ 94,333 | $ 45,000 |
| Rome, GA | 3 | $ 265,000 | $ 88,333 | $ 34,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 689,000 | $ 229,666 | $ 98,000 |
| Stockton-Lodi, CA | 3 | $ 930,000 | $ 310,000 | $ 103,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 229,000 | $ 114,500 | $ 41,000 |
| Colorado Springs, CO | 2 | $ 427,000 | $ 213,500 | $ 69,000 |
| Columbus, OH | 2 | $ 331,000 | $ 165,500 | $ 97,000 |
| Corvallis, OR | 2 | $ 642,000 | $ 321,000 | $ 116,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 605,000 | $ 302,500 | $ 114,000 |
| Fort Worth-Arlington, TX | 2 | $ 488,000 | $ 244,000 | $ 175,000 |
| Fresno, CA | 2 | $ 157,000 | $ 78,500 | $ 167,000 |
| Grand Forks, ND-MN | 2 | $ 340,000 | $ 170,000 | $ 146,500 |
| Jacksonville, FL | 2 | $ 448,000 | $ 224,000 | $ 279,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 475,000 | $ 237,500 | $ 221,000 |
| Oklahoma City, OK | 2 | $ 492,000 | $ 246,000 | $ 68,000 |
| Rockford, IL | 2 | $ 355,000 | $ 177,500 | $ 97,000 |
| Salinas, CA | 2 | $ 685,000 | $ 342,500 | $ 88,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 1,046,000 | $ 523,000 | $ 185,000 |
| St. Louis, MO-IL | 2 | $ 388,000 | $ 194,000 | $ 119,500 |
| Topeka, KS | 2 | $ 444,000 | $ 222,000 | $ 84,000 |
| Tulsa, OK | 2 | $ 329,000 | $ 164,500 | $ 55,000 |
| Yuma, AZ | 2 | $ 831,000 | $ 415,500 | $ 464,000 |
| Asheville, NC | 1 | $ 239,000 | $ 239,000 | $ 84,000 |
| Athens-Clarke County, GA | 1 | $ 257,000 | $ 257,000 | $ 264,000 |
| Auburn-Opelika, AL | 1 | $ 199,000 | $ 199,000 | $ 75,000 |
| Boulder, CO | 1 | $ 212,000 | $ 212,000 | $ 50,000 |
| Chattanooga, TN-GA | 1 | $ 412,000 | $ 412,000 | $ 213,000 |
| Decatur, AL | 1 | $ 188,000 | $ 188,000 | $ 90,000 |
| Dubuque, IA | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
| Duluth, MN-WI | 1 | $ 200,000 | $ 200,000 | $ 98,000 |
| Fargo, ND-MN | 1 | $ 226,000 | $ 226,000 | $ 62,000 |
| Flagstaff, AZ | 1 | $ 313,000 | $ 313,000 | $ 133,000 |
| Gary, IN | 1 | $ 155,000 | $ 155,000 | $ 43,000 |
| Grand Island, NE | 1 | $ 176,000 | $ 176,000 | $ 156,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 185,000 | $ 185,000 | $ 85,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 272,000 | $ 272,000 | $ 128,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 209,000 | $ 209,000 | $ 91,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 220,000 | $ 220,000 | $ 84,000 |
| Lima, OH | 1 | $ 174,000 | $ 174,000 | $ 255,000 |
| Memphis, TN-MS-AR | 1 | $ 262,000 | $ 262,000 | $ 90,000 |
| Merced, CA | 1 | $ 337,000 | $ 337,000 | $ 76,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 222,000 | $ 222,000 | $ 97,000 |
| Ogden-Clearfield, UT | 1 | $ 212,000 | $ 212,000 | $ 90,000 |
| Olympia-Tumwater, WA | 1 | $ 354,000 | $ 354,000 | $ 125,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 140,000 | $ 140,000 | $ 422,000 |
| Prescott, AZ | 1 | $ 130,000 | $ 130,000 | $ 51,000 |
| Racine, WI | 1 | $ 192,000 | $ 192,000 | $ 234,000 |
| Salem, OR | 1 | $ 276,000 | $ 276,000 | $ 70,000 |
| Salisbury, MD-DE | 1 | $ 80,000 | $ 80,000 | $ 25,000 |
| Salt Lake City, UT | 1 | $ 439,000 | $ 439,000 | $ 150,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 544,000 | $ 544,000 | $ 121,000 |
| San Rafael, CA | 1 | $ 882,000 | $ 882,000 | $ 259,000 |
| Santa Fe, NM | 1 | $ 415,000 | $ 415,000 | $ 140,000 |
| Santa Rosa, CA | 1 | $ 605,000 | $ 605,000 | $ 236,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 300,000 | $ 300,000 | $ 320,000 |
| Springfield, MO | 1 | $ 96,000 | $ 96,000 | $ 73,000 |
| St. George, UT | 1 | $ 199,000 | $ 199,000 | $ 80,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 160,000 | $ 160,000 | $ 219,000 |
| Toledo, OH | 1 | $ 323,000 | $ 323,000 | $ 219,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 396,000 | $ 396,000 | $ 147,000 |
| Wilmington, NC | 1 | $ 50,000 | $ 50,000 | $ 88,000 |
| Yakima, WA | 1 | $ 340,000 | $ 340,000 | $ 93,000 |
Mortgage Loan Application Detail Totals for Homeservices Lending, LLC in 2015
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 | 10,417 | $2,307,375,000 | $221,000 | $3,000,000 | $97,000 | $1,962,000 |
| Refinancing | 1,136 | $336,358,000 | $296,000 | $2,780,000 | $132,000 | $911,000 |
| Home Improvement | 565 | $157,824,000 | $279,000 | $2,000,000 | $121,000 | $1,601,000 |
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 | 9,838 | $2,252,596,000 | $228,000 | $3,000,000 | $101,000 | $1,962,000 |
| Not Provided | 940 | $241,002,000 | $256,000 | $1,504,000 | $115,000 | $859,000 |
| Hispanic | 501 | $111,892,000 | $223,000 | $1,718,000 | $88,000 | $1,515,000 |
| Asian | 400 | $116,908,000 | $292,000 | $2,000,000 | $123,000 | $1,601,000 |
| Black or African American | 377 | $65,986,000 | $175,000 | $623,000 | $76,000 | $450,000 |
| Native Hawaiian or Other Pacific Islander | 36 | $8,723,000 | $242,000 | $750,000 | $100,000 | $289,000 |
| American Indian or Alaskan Native | 26 | $4,450,000 | $171,000 | $460,000 | $76,000 | $161,000 |
| 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) | 8,715 | $2,180,563,000 | $250,000 | $3,000,000 | $115,000 | $1,718,000 |
| FHA-insured (Federal Housing Administration) | 2,230 | $366,977,000 | $164,000 | $636,000 | $64,000 | $392,000 |
| VA-guaranteed (Veterans Administration) | 894 | $214,608,000 | $240,000 | $1,519,000 | $87,000 | $1,962,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 279 | $39,409,000 | $141,000 | $308,000 | $49,000 | $101,000 |
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 | 9,448 | $2,166,615,000 | $229,000 | $2,440,000 | $101,000 | $1,718,000 |
| Application Withdrawn By Applicant | 1,251 | $323,630,000 | $258,000 | $3,000,000 | $116,000 | $1,962,000 |
| Application Denied By Financial Institution | 984 | $215,869,000 | $219,000 | $2,780,000 | $89,000 | $770,000 |
| Application Approved But Not Accepted | 431 | $93,764,000 | $217,000 | $1,360,000 | $96,000 | $747,000 |
| File Closed For Incompleteness | 4 | $1,679,000 | $419,000 | $1,020,000 | $206,000 | $579,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 378 | $86,170,000 | $227,000 | $1,825,000 | $76,000 | $645,000 |
| Collateral | 232 | $50,342,000 | $216,000 | $1,296,000 | $103,000 | $512,000 |
| Credit History | 190 | $34,117,000 | $179,000 | $1,000,000 | $86,000 | $770,000 |
| Unverifiable Information | 53 | $16,509,000 | $311,000 | $2,780,000 | $106,000 | $600,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 49 | $11,662,000 | $238,000 | $1,616,000 | $102,000 | $510,000 |
| Employment History | 35 | $4,925,000 | $140,000 | $432,000 | $55,000 | $116,000 |
| Other | 25 | $4,499,000 | $179,000 | $1,000,000 | $89,000 | $396,000 |
| Credit Application Incomplete | 22 | $7,645,000 | $347,000 | $1,100,000 | $166,000 | $745,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Homeservices Lending, LLC's 2015 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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