Iserve Residential Lending Mortgage Lending & HMDA Data, 2014

In 2014, Iserve Residential Lending of San Diego, CA reported 2,215 mortgage applications totaling $558.1 million, up 9% from 2013. The average application was for $251,945, and applicants reported an average income of $83,438. 69% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Oakland-Hayward-Berkeley, CA (240), San Diego-Carlsbad, CA (224) and Newark, NJ-PA (186) (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 2,215
Total Mortgage Loan Application Amount $558,060,000
Average Mortgage Loan Application Amount $251,945
Highest Mortgage Loan Application Amount $1,200,000
Average Applicant Income $83,438
Highest Applicant Income $687,000

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records Iserve Residential Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Iserve Residential Lending by County in 2014

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
San Diego, California 224 $ 81,940,000 $ 365,803 $ 121,000
Alameda, California 171 $ 55,951,000 $ 327,198 $ 88,000
Los Angeles, California 115 $ 39,463,000 $ 343,156 $ 88,000
Knox, Tennessee 95 $ 18,731,000 $ 197,168 $ 70,000
Hamilton, Tennessee 84 $ 15,235,000 $ 181,369 $ 72,000
Essex, New Jersey 78 $ 18,611,000 $ 238,602 $ 68,000
Contra Costa, California 69 $ 24,660,000 $ 357,391 $ 92,000
Union, New Jersey 62 $ 12,892,000 $ 207,935 $ 68,000
Fairfield, Connecticut 58 $ 17,055,000 $ 294,051 $ 90,000
Rutherford, Tennessee 56 $ 10,415,000 $ 185,982 $ 75,000
Clark, Nevada 51 $ 8,984,000 $ 176,156 $ 75,000
Bradley, Tennessee 51 $ 7,516,000 $ 147,372 $ 62,000
Riverside, California 45 $ 12,592,000 $ 279,822 $ 90,000
Salt Lake, Utah 33 $ 7,330,000 $ 222,121 $ 75,000
Cobb, Georgia 32 $ 8,420,000 $ 263,125 $ 108,000
San Bernardino, California 30 $ 6,898,000 $ 229,933 $ 80,000
Orange, California 28 $ 10,170,000 $ 363,214 $ 93,000
Sacramento, California 28 $ 4,883,000 $ 174,392 $ 55,000
Morris, New Jersey 28 $ 7,834,000 $ 279,785 $ 103,000
San Joaquin, California 24 $ 4,877,000 $ 203,208 $ 75,000
New Haven, Connecticut 24 $ 5,636,000 $ 234,833 $ 98,000
Blount, Tennessee 23 $ 3,576,000 $ 155,478 $ 57,000
Maricopa, Arizona 22 $ 3,816,000 $ 173,454 $ 81,000
Passaic, New Jersey 22 $ 5,514,000 $ 250,636 $ 84,000
Monroe, Tennessee 22 $ 3,459,000 $ 157,227 $ 53,000
Osceola, Florida 20 $ 3,190,000 $ 159,500 $ 54,000
Middlesex, New Jersey 20 $ 4,484,000 $ 224,200 $ 67,000
Bernalillo, New Mexico 20 $ 2,235,000 $ 111,750 $ 42,000
Rowan, North Carolina 18 $ 1,885,000 $ 104,722 $ 46,000
Virginia Beach, Virginia 18 $ 4,362,000 $ 242,333 $ 62,000
King, Washington 18 $ 5,833,000 $ 324,055 $ 97,000
Fulton, Georgia 17 $ 5,227,000 $ 307,470 $ 125,000
Napa, California 16 $ 5,104,000 $ 319,000 $ 113,000
Bergen, New Jersey 16 $ 4,609,000 $ 288,062 $ 85,000
Solano, California 15 $ 4,232,000 $ 282,133 $ 78,000
Broward, Florida 15 $ 3,482,000 $ 232,133 $ 96,000
Catoosa, Georgia 15 $ 2,138,000 $ 142,533 $ 48,000
Davidson, Tennessee 15 $ 3,031,000 $ 202,066 $ 73,000
Sevier, Tennessee 15 $ 2,542,000 $ 169,466 $ 62,000
Smith, Texas 15 $ 2,031,000 $ 135,400 $ 65,000
Snohomish, Washington 15 $ 4,466,000 $ 297,733 $ 85,000
Middlesex, Connecticut 14 $ 2,654,000 $ 189,571 $ 88,000
New London, Connecticut 14 $ 2,292,000 $ 163,714 $ 105,000
Walker, Georgia 14 $ 2,294,000 $ 163,857 $ 60,000
Somerset, New Jersey 13 $ 2,426,000 $ 186,615 $ 63,000
Palm Beach, Florida 12 $ 3,201,000 $ 266,750 $ 148,000
Hudson, New Jersey 12 $ 3,183,000 $ 265,250 $ 114,000
Chesapeake, Virginia 12 $ 3,300,000 $ 275,000 $ 93,000
Santa Clara, California 11 $ 5,626,000 $ 511,454 $ 126,000
Ventura, California 11 $ 3,075,000 $ 279,545 $ 74,000
Orange, Florida 11 $ 1,968,000 $ 178,909 $ 46,000
Stanislaus, California 10 $ 1,881,000 $ 188,100 $ 55,000
Anderson, Tennessee 10 $ 1,351,000 $ 135,100 $ 53,000
Jefferson, Tennessee 10 $ 2,060,000 $ 206,000 $ 61,000
Loudon, Tennessee 10 $ 1,924,000 $ 192,400 $ 60,000
Marshall, Tennessee 9 $ 900,000 $ 100,000 $ 48,000
McMinn, Tennessee 9 $ 1,268,000 $ 140,888 $ 54,000
Gwinnett, Georgia 8 $ 2,785,000 $ 348,125 $ 116,000
Whitfield, Georgia 8 $ 1,420,000 $ 177,500 $ 59,000
Davis, Utah 8 $ 1,923,000 $ 240,375 $ 75,000
San Mateo, California 7 $ 2,633,000 $ 376,142 $ 109,000
Hillsborough, Florida 7 $ 1,415,000 $ 202,142 $ 70,000
Hamblen, Tennessee 7 $ 1,261,000 $ 180,142 $ 68,000
Rhea, Tennessee 7 $ 991,000 $ 141,571 $ 38,000
Pinellas, Florida 6 $ 787,000 $ 131,166 $ 47,000
Utah, Utah 6 $ 1,009,000 $ 168,166 $ 101,000
Seminole, Florida 5 $ 1,034,000 $ 206,800 $ 46,000
Murray, Georgia 5 $ 708,000 $ 141,600 $ 46,000
Deschutes, Oregon 5 $ 1,476,000 $ 295,200 $ 190,000
Cumberland, Tennessee 5 $ 865,000 $ 173,000 $ 62,000
Montgomery, Tennessee 5 $ 728,000 $ 145,600 $ 73,000
Roane, Tennessee 5 $ 1,608,000 $ 321,600 $ 104,000
Williamson, Tennessee 5 $ 1,224,000 $ 244,800 $ 94,000
Newport News, Virginia 5 $ 835,000 $ 167,000 $ 161,000
Polk, Florida 4 $ 423,000 $ 105,750 $ 48,000
Cherokee, Georgia 4 $ 1,315,000 $ 328,750 $ 128,000
Hunterdon, New Jersey 4 $ 1,426,000 $ 356,500 $ 133,000
Mecklenburg, North Carolina 4 $ 940,000 $ 235,000 $ 71,000
Bedford, Tennessee 4 $ 713,000 $ 178,250 $ 49,000
Maury, Tennessee 4 $ 662,000 $ 165,500 $ 82,000
Wilson, Tennessee 4 $ 743,000 $ 185,750 $ 59,000
Madera, California 3 $ 727,000 $ 242,333 $ 23,000
Hartford, Connecticut 3 $ 720,000 $ 240,000 $ 97,000
DeKalb, Georgia 3 $ 686,000 $ 228,666 $ 84,000
Forsyth, Georgia 3 $ 915,000 $ 305,000 $ 101,000
Paulding, Georgia 3 $ 590,000 $ 196,666 $ 57,000
Prince George's, Maryland 3 $ 447,000 $ 149,000 $ 38,000
Monmouth, New Jersey 3 $ 938,000 $ 312,666 $ 84,000
Ocean, New Jersey 3 $ 827,000 $ 275,666 $ 68,000
Sandoval, New Mexico 3 $ 263,000 $ 87,666 $ 33,000
Polk, Tennessee 3 $ 468,000 $ 156,000 $ 62,000
Denton, Texas 3 $ 651,000 $ 217,000 $ 145,000
Tarrant, Texas 3 $ 938,000 $ 312,666 $ 158,000
Norfolk, Virginia 3 $ 601,000 $ 200,333 $ 68,000
Navajo, Arizona 2 $ 351,000 $ 175,500 $ 162,000
El Dorado, California 2 $ 311,000 $ 155,500 $ 149,000
Marin, California 2 $ 1,098,000 $ 549,000 $ 114,000
Mendocino, California 2 $ 739,000 $ 369,500 $ 80,000
Placer, California 2 $ 744,000 $ 372,000 $ 130,000
San Francisco, California 2 $ 842,000 $ 421,000 $ 119,000
San Luis Obispo, California 2 $ 890,000 $ 445,000 $ 129,000
Shasta, California 2 $ 335,000 $ 167,500 $ 38,000
Yolo, California 2 $ 630,000 $ 315,000 $ 49,000
Miami-Dade, Florida 2 $ 220,000 $ 110,000 $ 57,000
Pasco, Florida 2 $ 201,000 $ 100,500 $ 33,000
Volusia, Florida 2 $ 441,000 $ 220,500 $ 51,000
Floyd, Georgia 2 $ 286,000 $ 143,000 $ 49,000
Baltimore, Maryland 2 $ 836,000 $ 418,000 $ 119,000
Warren, New Jersey 2 $ 1,125,000 $ 562,500 $ 199,000
Cabarrus, North Carolina 2 $ 219,000 $ 109,500 $ 52,000
Guilford, North Carolina 2 $ 397,000 $ 198,500 $ 61,000
Union, North Carolina 2 $ 577,000 $ 288,500 $ 145,000
Cocke, Tennessee 2 $ 332,000 $ 166,000 $ 81,000
Coffee, Tennessee 2 $ 155,000 $ 77,500 $ 31,000
DeKalb, Tennessee 2 $ 238,000 $ 119,000 $ 50,000
Franklin, Tennessee 2 $ 545,000 $ 272,500 $ 153,000
Lincoln, Tennessee 2 $ 170,000 $ 85,000 $ 36,000
Marion, Tennessee 2 $ 317,000 $ 158,500 $ 63,000
Putnam, Tennessee 2 $ 214,000 $ 107,000 $ 30,000
Robertson, Tennessee 2 $ 372,000 $ 186,000 $ 59,000
Sumner, Tennessee 2 $ 342,000 $ 171,000 $ 54,000
Henderson, Texas 2 $ 390,000 $ 195,000 $ 75,000
Pierce, Washington 2 $ 471,000 $ 235,500 $ 31,000
Gila, Arizona 1 $ 76,000 $ 76,000 $ 0
Pima, Arizona 1 $ 250,000 $ 250,000 $ 59,000
Pinal, Arizona 1 $ 105,000 $ 105,000 $ 111,000
Santa Cruz, Arizona 1 $ 102,000 $ 102,000 $ 71,000
Calaveras, California 1 $ 86,000 $ 86,000 $ 150,000
Fresno, California 1 $ 300,000 $ 300,000 $ 76,000
Humboldt, California 1 $ 225,000 $ 225,000 $ 36,000
Lake, California 1 $ 74,000 $ 74,000 $ 24,000
Nevada, California 1 $ 200,000 $ 200,000 $ 22,000
Santa Barbara, California 1 $ 294,000 $ 294,000 $ 104,000
Santa Cruz, California 1 $ 800,000 $ 800,000 $ 370,000
Sonoma, California 1 $ 328,000 $ 328,000 $ 76,000
Tulare, California 1 $ 255,000 $ 255,000 $ 69,000
Tuolumne, California 1 $ 115,000 $ 115,000 $ 141,000
Litchfield, Connecticut 1 $ 364,000 $ 364,000 $ 137,000
Windham, Connecticut 1 $ 230,000 $ 230,000 $ 75,000
Lake, Florida 1 $ 111,000 $ 111,000 $ 80,000
Chattooga, Georgia 1 $ 127,000 $ 127,000 $ 32,000
Clayton, Georgia 1 $ 71,000 $ 71,000 $ 25,000
Dade, Georgia 1 $ 135,000 $ 135,000 $ 46,000
Gordon, Georgia 1 $ 77,000 $ 77,000 $ 65,000
Anne Arundel, Maryland 1 $ 298,000 $ 298,000 $ 157,000
Mercer, New Jersey 1 $ 160,000 $ 160,000 $ 75,000
Sussex, New Jersey 1 $ 149,000 $ 149,000 $ 41,000
Valencia, New Mexico 1 $ 107,000 $ 107,000 $ 43,000
Cumberland, North Carolina 1 $ 105,000 $ 105,000 $ 0
Davidson, North Carolina 1 $ 141,000 $ 141,000 $ 65,000
Gaston, North Carolina 1 $ 149,000 $ 149,000 $ 48,000
Henderson, North Carolina 1 $ 120,000 $ 120,000 $ 35,000
Onslow, North Carolina 1 $ 211,000 $ 211,000 $ 76,000
Randolph, North Carolina 1 $ 125,000 $ 125,000 $ 45,000
Stokes, North Carolina 1 $ 114,000 $ 114,000 $ 27,000
Wayne, North Carolina 1 $ 255,000 $ 255,000 $ 75,000
Marion, Oregon 1 $ 340,000 $ 340,000 $ 66,000
Northampton, Pennsylvania 1 $ 73,000 $ 73,000 $ 34,000
Giles, Tennessee 1 $ 78,000 $ 78,000 $ 34,000
Grainger, Tennessee 1 $ 92,000 $ 92,000 $ 28,000
Meigs, Tennessee 1 $ 261,000 $ 261,000 $ 61,000
Morgan, Tennessee 1 $ 182,000 $ 182,000 $ 64,000
Sequatchie, Tennessee 1 $ 106,000 $ 106,000 $ 49,000
Anderson, Texas 1 $ 83,000 $ 83,000 $ 133,000
Bee, Texas 1 $ 157,000 $ 157,000 $ 103,000
Bexar, Texas 1 $ 271,000 $ 271,000 $ 126,000
Collin, Texas 1 $ 326,000 $ 326,000 $ 113,000
Dallas, Texas 1 $ 205,000 $ 205,000 $ 95,000
Harris, Texas 1 $ 154,000 $ 154,000 $ 106,000
Kaufman, Texas 1 $ 173,000 $ 173,000 $ 156,000
Medina, Texas 1 $ 240,000 $ 240,000 $ 62,000
Montgomery, Texas 1 $ 238,000 $ 238,000 $ 85,000
Van Zandt, Texas 1 $ 76,000 $ 76,000 $ 38,000
Williamson, Texas 1 $ 213,000 $ 213,000 $ 80,000
Cache, Utah 1 $ 243,000 $ 243,000 $ 47,000
Summit, Utah 1 $ 435,000 $ 435,000 $ 124,000
Washington, Utah 1 $ 128,000 $ 128,000 $ 132,000
Colonial Heights, Virginia 1 $ 232,000 $ 232,000 $ 70,000
Henrico, Virginia 1 $ 290,000 $ 290,000 $ 112,000
Isle of Wight, Virginia 1 $ 162,000 $ 162,000 $ 190,000
Montgomery, Virginia 1 $ 75,000 $ 75,000 $ 54,000
Poquoson, Virginia 1 $ 172,000 $ 172,000 $ 74,000
Island, Washington 1 $ 235,000 $ 235,000 $ 60,000
Kitsap, Washington 1 $ 366,000 $ 366,000 $ 119,000

Mortgage Loan Application Detail Totals for Iserve Residential Lending in 2014

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 1,313 $329,579,000 $251,000 $1,000,000 $83,000 $687,000
Refinancing 901 $227,751,000 $252,000 $1,200,000 $84,000 $559,000
Home Improvement 1 $730,000 $730,000 $730,000 $153,000 $153,000

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 1,245 $313,567,000 $251,000 $1,200,000 $89,000 $687,000
Hispanic 593 $142,719,000 $240,000 $626,000 $72,000 $300,000
Black or African American 201 $47,958,000 $238,000 $605,000 $71,000 $252,000
Asian 131 $42,291,000 $322,000 $988,000 $96,000 $288,000
Native Hawaiian or Other Pacific Islander 18 $5,098,000 $283,000 $452,000 $103,000 $540,000
Not Provided 18 $4,414,000 $245,000 $646,000 $90,000 $194,000
American Indian or Alaskan Native 9 $2,013,000 $223,000 $305,000 $66,000 $125,000
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) 1,022 $265,900,000 $260,000 $1,000,000 $99,000 $687,000
FHA-insured (Federal Housing Administration) 850 $188,881,000 $222,000 $636,000 $68,000 $258,000
VA-guaranteed (Veterans Administration) 287 $94,895,000 $330,000 $1,200,000 $82,000 $291,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 56 $8,384,000 $149,000 $281,000 $47,000 $102,000

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 1,531 $387,845,000 $253,000 $999,000 $85,000 $660,000
Application Denied By Financial Institution 294 $69,579,000 $236,000 $1,200,000 $77,000 $386,000
Application Withdrawn By Applicant 259 $68,673,000 $265,000 $1,000,000 $84,000 $687,000
Application Approved But Not Accepted 121 $30,271,000 $250,000 $760,000 $79,000 $260,000
File Closed For Incompleteness 10 $1,692,000 $169,000 $275,000 $59,000 $112,000
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 86 $22,198,000 $258,000 $1,200,000 $58,000 $208,000
Collateral 52 $10,944,000 $210,000 $758,000 $94,000 $386,000
Credit History 51 $11,549,000 $226,000 $590,000 $63,000 $129,000
Credit Application Incomplete 45 $11,371,000 $252,000 $592,000 $100,000 $366,000
Unverifiable Information 21 $4,471,000 $212,000 $493,000 $88,000 $226,000
Insufficient Cash (Downpayment, Closing Cost) 12 $2,844,000 $237,000 $472,000 $88,000 $253,000
Other 8 $2,044,000 $255,000 $551,000 $89,000 $139,000
Employment History 7 $1,550,000 $221,000 $350,000 $76,000 $182,000
Mortgage Insurance Denied 1 $173,000 $173,000 $173,000 $66,000 $66,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Iserve Residential Lending's 2014 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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