Iserve Residential Lending Mortgage Lending & HMDA Data, 2013
In 2013, Iserve Residential Lending of San Diego, CA reported 2,036 mortgage applications totaling $499.0 million, up 15% from 2012. The average application was for $245,106, and applicants reported an average income of $85,664. 67% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Oakland-Fremont-Hayward, CA (247), Napa, CA (205) and San Diego-Carlsbad-San Marcos, CA (172) (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 | 2,036 |
| Total Mortgage Loan Application Amount | $499,037,000 |
| Average Mortgage Loan Application Amount | $245,106 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $85,664 |
| Highest Applicant Income | $865,000 |
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records Iserve Residential Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oakland-Fremont-Hayward, CA | 247 | $ 76,528,000 | $ 309,829 | $ 91,000 |
| Napa, CA | 205 | $ 68,086,000 | $ 332,126 | $ 115,000 |
| San Diego-Carlsbad-San Marcos, CA | 172 | $ 58,912,000 | $ 342,511 | $ 120,000 |
| Chattanooga, TN-GA | 171 | $ 27,493,000 | $ 160,777 | $ 63,438 |
| Knoxville, TN | 144 | $ 27,938,000 | $ 194,013 | $ 72,000 |
| Cleveland, TN | 102 | $ 15,537,000 | $ 152,323 | $ 54,000 |
| Las Vegas-Paradise, NV | 99 | $ 16,307,000 | $ 164,717 | $ 75,000 |
| Albuquerque, NM | 93 | $ 10,766,000 | $ 115,763 | $ 39,000 |
| Los Angeles-Long Beach-Glendale, CA | 85 | $ 32,127,000 | $ 377,964 | $ 104,000 |
| Bridgeport-Stamford-Norwalk, CT | 82 | $ 24,150,000 | $ 294,512 | $ 97,000 |
| Riverside-San Bernardino-Ontario, CA | 77 | $ 14,100,000 | $ 183,116 | $ 71,000 |
| Santa Ana-Anaheim-Irvine, CA | 56 | $ 21,959,000 | $ 392,125 | $ 130,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 42 | $ 7,812,000 | $ 186,000 | $ 67,000 |
| Salt Lake City, UT | 33 | $ 6,565,000 | $ 198,939 | $ 129,000 |
| Vallejo-Fairfield, CA | 27 | $ 5,813,000 | $ 215,296 | $ 95,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 24 | $ 4,976,000 | $ 207,333 | $ 69,000 |
| Stockton, CA | 23 | $ 4,514,000 | $ 196,260 | $ 79,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 18 | $ 6,907,000 | $ 383,722 | $ 144,000 |
| Newark-Union, NJ-PA | 17 | $ 3,425,000 | $ 201,470 | $ 63,000 |
| Seattle-Bellevue-Everett, WA | 16 | $ 6,099,000 | $ 381,187 | $ 134,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 15 | $ 2,836,000 | $ 189,066 | $ 65,000 |
| Atlanta-Sandy Springs-Marietta, GA | 13 | $ 2,100,000 | $ 161,538 | $ 67,000 |
| Dalton, GA | 13 | $ 1,837,000 | $ 141,307 | $ 65,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 12 | $ 3,651,000 | $ 304,250 | $ 105,000 |
| New Haven-Milford, CT | 11 | $ 1,934,000 | $ 175,818 | $ 97,000 |
| Santa Rosa-Petaluma, CA | 11 | $ 3,950,000 | $ 359,090 | $ 127,000 |
| Modesto, CA | 10 | $ 1,370,000 | $ 137,000 | $ 77,000 |
| Morristown, TN | 9 | $ 1,810,000 | $ 201,111 | $ 67,000 |
| San Francisco-San Mateo-Redwood City, CA | 8 | $ 3,368,000 | $ 421,000 | $ 139,000 |
| Bakersfield-Delano, CA | 7 | $ 951,000 | $ 135,857 | $ 45,000 |
| Edison-New Brunswick, NJ | 7 | $ 1,437,000 | $ 205,285 | $ 57,000 |
| Ogden-Clearfield, UT | 7 | $ 1,652,000 | $ 236,000 | $ 68,000 |
| Eugene-Springfield, OR | 6 | $ 1,797,000 | $ 299,500 | $ 84,000 |
| Orlando-Kissimmee-Sanford, FL | 6 | $ 665,000 | $ 110,833 | $ 37,000 |
| Rome, GA | 6 | $ 814,000 | $ 135,666 | $ 77,000 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 960,000 | $ 160,000 | $ 139,000 |
| Kingsport-Bristol-Bristol, TN-VA | 5 | $ 553,000 | $ 110,600 | $ 32,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 5 | $ 982,000 | $ 196,400 | $ 85,000 |
| Tucson, AZ | 4 | $ 1,248,000 | $ 312,000 | $ 122,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 3 | $ 518,000 | $ 172,666 | $ 64,000 |
| Fresno, CA | 3 | $ 751,000 | $ 250,333 | $ 64,000 |
| Provo-Orem, UT | 3 | $ 466,000 | $ 155,333 | $ 60,000 |
| San Luis Obispo-Paso Robles, CA | 3 | $ 939,000 | $ 313,000 | $ 132,000 |
| Santa Fe, NM | 3 | $ 462,000 | $ 154,000 | $ 55,000 |
| Visalia-Porterville, CA | 3 | $ 703,000 | $ 234,333 | $ 76,000 |
| Bremerton-Silverdale, WA | 2 | $ 516,000 | $ 258,000 | $ 72,000 |
| Chico, CA | 2 | $ 608,000 | $ 304,000 | $ 79,000 |
| El Paso, TX | 2 | $ 327,000 | $ 163,500 | $ 44,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 642,000 | $ 321,000 | $ 102,000 |
| Madera-Chowchilla, CA | 2 | $ 555,000 | $ 277,500 | $ 83,000 |
| Medford, OR | 2 | $ 418,000 | $ 209,000 | $ 99,000 |
| Redding, CA | 2 | $ 548,000 | $ 274,000 | $ 62,000 |
| Salinas, CA | 2 | $ 659,000 | $ 329,500 | $ 138,000 |
| Tacoma, WA | 2 | $ 731,000 | $ 365,500 | $ 70,000 |
| Fort Worth-Arlington, TX | 1 | $ 60,000 | $ 60,000 | $ 19,000 |
| Greenville, NC | 1 | $ 365,000 | $ 365,000 | $ 140,000 |
| Jackson, TN | 1 | $ 102,000 | $ 102,000 | $ 50,000 |
| Johnson City, TN | 1 | $ 81,000 | $ 81,000 | $ 195,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 300,000 | $ 300,000 | $ 89,000 |
| Lakeland-Winter Haven, FL | 1 | $ 104,000 | $ 104,000 | $ 25,000 |
| Merced, CA | 1 | $ 156,000 | $ 156,000 | $ 41,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 144,000 | $ 144,000 | $ 41,000 |
| Norwich-New London, CT | 1 | $ 136,000 | $ 136,000 | $ 38,000 |
| Phoenix-Mesa-Glendale, AZ | 1 | $ 149,000 | $ 149,000 | $ 68,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 620,000 | $ 620,000 | $ 143,000 |
| St. George, UT | 1 | $ 117,000 | $ 117,000 | $ 108,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 556,000 | $ 556,000 | $ 231,000 |
Mortgage Loan Application Detail Totals for Iserve Residential Lending 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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,063 | $257,745,000 | $242,000 | $2,500,000 | $86,000 | $865,000 |
| Home Purchase | 968 | $239,790,000 | $247,000 | $1,040,000 | $85,000 | $829,000 |
| Home Improvement | 5 | $1,502,000 | $300,000 | $458,000 | $143,000 | $271,000 |
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 | 1,297 | $322,939,000 | $248,000 | $1,348,000 | $93,000 | $829,000 |
| Hispanic | 525 | $111,508,000 | $212,000 | $1,390,000 | $63,000 | $865,000 |
| Asian | 125 | $43,564,000 | $348,000 | $2,500,000 | $113,000 | $808,000 |
| Black or African American | 64 | $13,553,000 | $211,000 | $625,000 | $75,000 | $215,000 |
| Native Hawaiian or Other Pacific Islander | 19 | $6,064,000 | $319,000 | $727,000 | $87,000 | $195,000 |
| American Indian or Alaskan Native | 5 | $1,133,000 | $226,000 | $366,000 | $89,000 | $135,000 |
| Not Provided | 1 | $276,000 | $276,000 | $276,000 | $94,000 | $94,000 |
| 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) | 1,123 | $306,771,000 | $273,000 | $2,500,000 | $107,000 | $865,000 |
| FHA-insured (Federal Housing Administration) | 787 | $160,666,000 | $204,000 | $742,000 | $60,000 | $325,000 |
| VA-guaranteed (Veterans Administration) | 97 | $27,919,000 | $287,000 | $943,000 | $76,000 | $242,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $3,681,000 | $126,000 | $227,000 | $39,000 | $89,000 |
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 | 1,374 | $325,246,000 | $236,000 | $943,000 | $83,000 | $865,000 |
| Application Withdrawn By Applicant | 301 | $81,345,000 | $270,000 | $1,390,000 | $99,000 | $808,000 |
| Application Denied By Financial Institution | 281 | $73,272,000 | $260,000 | $1,380,000 | $83,000 | $524,000 |
| File Closed For Incompleteness | 69 | $14,930,000 | $216,000 | $945,000 | $94,000 | $442,000 |
| Application Approved But Not Accepted | 11 | $4,244,000 | $385,000 | $2,500,000 | $150,000 | $628,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 71 | $18,937,000 | $266,000 | $1,348,000 | $99,000 | $363,000 |
| Debt-To-Income Ratio | 66 | $18,581,000 | $281,000 | $1,380,000 | $67,000 | $524,000 |
| Credit History | 47 | $11,705,000 | $249,000 | $1,335,000 | $78,000 | $232,000 |
| Collateral | 35 | $11,332,000 | $323,000 | $1,180,000 | $107,000 | $309,000 |
| Other | 23 | $4,434,000 | $192,000 | $413,000 | $65,000 | $129,000 |
| Employment History | 16 | $2,697,000 | $168,000 | $350,000 | $55,000 | $122,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,533,000 | $170,000 | $333,000 | $69,000 | $175,000 |
| Unverifiable Information | 9 | $2,654,000 | $294,000 | $549,000 | $109,000 | $228,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Iserve Residential Lending'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 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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