Iserve Residential Lending Mortgage Lending & HMDA Data, 2012
In 2012, Iserve Residential Lending of San Diego, CA reported 1,771 mortgage applications totaling $396.2 million, up 16% from 2011. The average application was for $223,733, and applicants reported an average income of $81,164. 73% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Oakland-Fremont-Hayward, CA (321), Chattanooga, TN-GA (279) and Napa, CA (209) (applications in parentheses).
| Mortgage Company & Address | Iserve Residential Lending 10920 Via Frontera Suite 520 San Diego, CA 92127 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,771 |
| Total Mortgage Loan Application Amount | $396,232,000 |
| Average Mortgage Loan Application Amount | $223,733 |
| Highest Mortgage Loan Application Amount | $825,000 |
| Average Applicant Income | $81,164 |
| Highest Applicant Income | $702,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Iserve Residential Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Alameda, California | 229 | $ 60,744,000 | $ 265,257 | $ 80,000 |
| Napa, California | 209 | $ 61,462,000 | $ 294,076 | $ 107,000 |
| Hamilton, Tennessee | 203 | $ 33,129,000 | $ 163,197 | $ 68,000 |
| San Diego, California | 174 | $ 54,665,000 | $ 314,166 | $ 104,000 |
| Clark, Nevada | 97 | $ 16,076,000 | $ 165,731 | $ 82,000 |
| Bradley, Tennessee | 93 | $ 13,804,000 | $ 148,430 | $ 60,000 |
| Contra Costa, California | 92 | $ 23,003,000 | $ 250,032 | $ 78,000 |
| Bernalillo, New Mexico | 72 | $ 7,597,000 | $ 105,513 | $ 48,000 |
| Catoosa, Georgia | 43 | $ 7,491,000 | $ 174,209 | $ 77,000 |
| Knox, Tennessee | 42 | $ 7,483,000 | $ 178,166 | $ 66,000 |
| Los Angeles, California | 36 | $ 11,416,000 | $ 317,111 | $ 116,000 |
| Solano, California | 29 | $ 5,798,000 | $ 199,931 | $ 85,000 |
| Orange, California | 28 | $ 8,777,000 | $ 313,464 | $ 82,000 |
| Fairfield, Connecticut | 24 | $ 9,500,000 | $ 395,833 | $ 133,000 |
| Riverside, California | 23 | $ 5,294,000 | $ 230,173 | $ 136,000 |
| San Joaquin, California | 22 | $ 4,489,000 | $ 204,045 | $ 61,000 |
| Walker, Georgia | 22 | $ 2,971,000 | $ 135,045 | $ 59,000 |
| Whitfield, Georgia | 21 | $ 3,936,000 | $ 187,428 | $ 81,000 |
| Orange, Florida | 18 | $ 2,328,000 | $ 129,333 | $ 49,000 |
| Monroe, Tennessee | 18 | $ 2,767,000 | $ 153,722 | $ 55,000 |
| Santa Clara, California | 17 | $ 6,086,000 | $ 358,000 | $ 112,000 |
| McMinn, Tennessee | 14 | $ 1,970,000 | $ 140,714 | $ 50,000 |
| San Bernardino, California | 12 | $ 1,936,000 | $ 161,333 | $ 65,000 |
| Rutherford, Tennessee | 12 | $ 1,844,000 | $ 153,666 | $ 55,000 |
| Stanislaus, California | 10 | $ 1,578,000 | $ 157,800 | $ 58,000 |
| Loudon, Tennessee | 10 | $ 1,853,000 | $ 185,300 | $ 76,000 |
| Placer, California | 9 | $ 1,854,000 | $ 206,000 | $ 119,000 |
| Sacramento, California | 8 | $ 1,389,000 | $ 173,625 | $ 121,000 |
| Osceola, Florida | 8 | $ 1,016,000 | $ 127,000 | $ 37,000 |
| Blount, Tennessee | 8 | $ 1,252,000 | $ 156,500 | $ 51,000 |
| Rowan, North Carolina | 7 | $ 810,000 | $ 115,714 | $ 41,000 |
| San Francisco, California | 6 | $ 1,864,000 | $ 310,666 | $ 100,000 |
| San Mateo, California | 6 | $ 2,098,000 | $ 349,666 | $ 94,000 |
| Sonoma, California | 6 | $ 1,544,000 | $ 257,333 | $ 78,000 |
| Ventura, California | 6 | $ 1,781,000 | $ 296,833 | $ 62,000 |
| Dade, Georgia | 6 | $ 1,432,000 | $ 238,666 | $ 95,000 |
| Sullivan, Tennessee | 6 | $ 638,000 | $ 106,333 | $ 37,000 |
| Hawkins, Tennessee | 5 | $ 600,000 | $ 120,000 | $ 33,000 |
| Mendocino, California | 4 | $ 1,048,000 | $ 262,000 | $ 82,000 |
| Murray, Georgia | 4 | $ 562,000 | $ 140,500 | $ 60,000 |
| Nye, Nevada | 4 | $ 343,000 | $ 85,750 | $ 40,000 |
| Marion, Tennessee | 4 | $ 582,000 | $ 145,500 | $ 67,000 |
| Polk, Tennessee | 4 | $ 611,000 | $ 152,750 | $ 57,000 |
| Rhea, Tennessee | 4 | $ 490,000 | $ 122,500 | $ 47,000 |
| Sevier, Tennessee | 4 | $ 547,000 | $ 136,750 | $ 51,000 |
| Wilson, Tennessee | 4 | $ 682,000 | $ 170,500 | $ 51,000 |
| Butte, California | 3 | $ 1,033,000 | $ 344,333 | $ 118,000 |
| New Haven, Connecticut | 3 | $ 478,000 | $ 159,333 | $ 72,000 |
| Sandoval, New Mexico | 3 | $ 370,000 | $ 123,333 | $ 54,000 |
| Santa Fe, New Mexico | 3 | $ 705,000 | $ 235,000 | $ 61,000 |
| Anderson, Tennessee | 3 | $ 415,000 | $ 138,333 | $ 72,000 |
| Meigs, Tennessee | 3 | $ 437,000 | $ 145,666 | $ 32,000 |
| King, Washington | 3 | $ 881,000 | $ 293,666 | $ 106,000 |
| Kern, California | 2 | $ 438,000 | $ 219,000 | $ 86,000 |
| Marin, California | 2 | $ 905,000 | $ 452,500 | $ 223,000 |
| Santa Cruz, California | 2 | $ 553,000 | $ 276,500 | $ 100,000 |
| Tulare, California | 2 | $ 318,000 | $ 159,000 | $ 65,000 |
| Yolo, California | 2 | $ 558,000 | $ 279,000 | $ 121,000 |
| Seminole, Florida | 2 | $ 204,000 | $ 102,000 | $ 65,000 |
| Valencia, New Mexico | 2 | $ 268,000 | $ 134,000 | $ 43,000 |
| DeKalb, Tennessee | 2 | $ 298,000 | $ 149,000 | $ 72,000 |
| Washington, Tennessee | 2 | $ 212,000 | $ 106,000 | $ 31,000 |
| Navajo, Arizona | 1 | $ 385,000 | $ 385,000 | $ 157,000 |
| Calaveras, California | 1 | $ 115,000 | $ 115,000 | $ 114,000 |
| Fresno, California | 1 | $ 408,000 | $ 408,000 | $ 111,000 |
| Humboldt, California | 1 | $ 222,000 | $ 222,000 | $ 52,000 |
| Monterey, California | 1 | $ 300,000 | $ 300,000 | $ 137,000 |
| San Benito, California | 1 | $ 326,000 | $ 326,000 | $ 74,000 |
| Tehama, California | 1 | $ 124,000 | $ 124,000 | $ 122,000 |
| Tuolumne, California | 1 | $ 131,000 | $ 131,000 | $ 98,000 |
| Yuba, California | 1 | $ 92,000 | $ 92,000 | $ 43,000 |
| Brevard, Florida | 1 | $ 83,000 | $ 83,000 | $ 29,000 |
| Lake, Florida | 1 | $ 141,000 | $ 141,000 | $ 85,000 |
| Polk, Florida | 1 | $ 102,000 | $ 102,000 | $ 69,000 |
| Cobb, Georgia | 1 | $ 289,000 | $ 289,000 | $ 0 |
| DeKalb, Georgia | 1 | $ 247,000 | $ 247,000 | $ 72,000 |
| Gordon, Georgia | 1 | $ 214,000 | $ 214,000 | $ 61,000 |
| Elko, Nevada | 1 | $ 180,000 | $ 180,000 | $ 128,000 |
| Chaves, New Mexico | 1 | $ 72,000 | $ 72,000 | $ 27,000 |
| Cabarrus, North Carolina | 1 | $ 179,000 | $ 179,000 | $ 36,000 |
| Iredell, North Carolina | 1 | $ 78,000 | $ 78,000 | $ 14,000 |
| Claiborne, Tennessee | 1 | $ 88,000 | $ 88,000 | $ 27,000 |
| Davidson, Tennessee | 1 | $ 190,000 | $ 190,000 | $ 69,000 |
| Greene, Tennessee | 1 | $ 148,000 | $ 148,000 | $ 38,000 |
| Jefferson, Tennessee | 1 | $ 204,000 | $ 204,000 | $ 97,000 |
| Roane, Tennessee | 1 | $ 146,000 | $ 146,000 | $ 100,000 |
| Sequatchie, Tennessee | 1 | $ 119,000 | $ 119,000 | $ 29,000 |
| Stewart, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 56,000 |
| Warren, Tennessee | 1 | $ 120,000 | $ 120,000 | $ 37,000 |
| Webb, Texas | 1 | $ 157,000 | $ 157,000 | $ 39,000 |
| Fairfax, Virginia | 1 | $ 158,000 | $ 158,000 | $ 48,000 |
| Prince William, Virginia | 1 | $ 233,000 | $ 233,000 | $ 32,000 |
| Lewis, Washington | 1 | $ 197,000 | $ 197,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for Iserve Residential Lending 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 |
|---|---|---|---|---|---|---|
| Refinancing | 991 | $225,403,000 | $227,000 | $825,000 | $86,000 | $636,000 |
| Home Purchase | 779 | $170,629,000 | $219,000 | $727,000 | $75,000 | $702,000 |
| Home Improvement | 1 | $200,000 | $200,000 | $200,000 | $92,000 | $92,000 |
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 | 1,146 | $265,330,000 | $231,000 | $825,000 | $90,000 | $702,000 |
| Hispanic | 421 | $82,530,000 | $196,000 | $666,000 | $59,000 | $319,000 |
| Asian | 94 | $26,648,000 | $283,000 | $726,000 | $83,000 | $289,000 |
| Black or African American | 48 | $8,345,000 | $173,000 | $414,000 | $65,000 | $201,000 |
| Not Provided | 44 | $8,356,000 | $189,000 | $606,000 | $58,000 | $180,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $3,477,000 | $289,000 | $579,000 | $118,000 | $271,000 |
| American Indian or Alaskan Native | 6 | $1,546,000 | $257,000 | $413,000 | $83,000 | $189,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 852 | $167,293,000 | $196,000 | $730,000 | $63,000 | $319,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 832 | $211,176,000 | $253,000 | $825,000 | $102,000 | $702,000 |
| VA-guaranteed (Veterans Administration) | 56 | $13,533,000 | $241,000 | $477,000 | $76,000 | $189,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $4,230,000 | $136,000 | $378,000 | $44,000 | $133,000 |
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 | 1,296 | $289,959,000 | $223,000 | $770,000 | $82,000 | $702,000 |
| Application Withdrawn By Applicant | 279 | $65,661,000 | $235,000 | $640,000 | $87,000 | $525,000 |
| Application Denied By Financial Institution | 192 | $39,475,000 | $205,000 | $825,000 | $68,000 | $319,000 |
| File Closed For Incompleteness | 3 | $723,000 | $241,000 | $425,000 | $94,000 | $203,000 |
| Application Approved But Not Accepted | 1 | $414,000 | $414,000 | $414,000 | $151,000 | $151,000 |
| 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 | 35 | $6,716,000 | $191,000 | $483,000 | $57,000 | $171,000 |
| Credit History | 33 | $4,975,000 | $150,000 | $380,000 | $63,000 | $140,000 |
| Credit Application Incomplete | 31 | $7,914,000 | $255,000 | $730,000 | $77,000 | $200,000 |
| Collateral | 22 | $5,943,000 | $270,000 | $825,000 | $79,000 | $210,000 |
| Other | 21 | $4,741,000 | $225,000 | $727,000 | $89,000 | $218,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $2,121,000 | $163,000 | $395,000 | $68,000 | $319,000 |
| Unverifiable Information | 7 | $1,928,000 | $275,000 | $385,000 | $77,000 | $157,000 |
| Employment History | 7 | $842,000 | $120,000 | $224,000 | $36,000 | $78,000 |
| Mortgage Insurance Denied | 1 | $344,000 | $344,000 | $344,000 | $95,000 | $95,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Iserve Residential Lending'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 Iserve Residential Lending'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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