Iserve Residential Lending Mortgage Lending & HMDA Data, 2022
In 2022, Iserve Residential Lending of San Diego, CA reported 1,286 mortgage applications totaling $410.9 million, down 52% from 2021. The average application was for $319,494, and applicants reported an average income of $104,869. 69% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (218), Atlanta-Sandy Springs-Roswell, GA (170) and Reno, NV (155) (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 | 1,286 |
| Total Mortgage Loan Application Amount | $410,870,000 |
| Average Mortgage Loan Application Amount | $319,494 |
| Highest Mortgage Loan Application Amount | $1,255,000 |
| Average Applicant Income | $104,869 |
| Highest Applicant Income | $1,546,000 |
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records Iserve Residential Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 231 | $ 58,465,000 | $ 253,095 | $ 89,831 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 218 | $ 71,440,000 | $ 327,706 | $ 92,000 |
| Atlanta-Sandy Springs-Roswell, GA | 170 | $ 53,090,000 | $ 312,294 | $ 124,000 |
| Reno, NV | 155 | $ 54,885,000 | $ 354,096 | $ 105,000 |
| San Diego-Carlsbad, CA | 72 | $ 39,910,000 | $ 554,305 | $ 175,000 |
| Riverside-San Bernardino-Ontario, CA | 54 | $ 21,770,000 | $ 403,148 | $ 123,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 48 | $ 11,860,000 | $ 247,083 | $ 67,000 |
| Knoxville, TN | 43 | $ 12,405,000 | $ 288,488 | $ 93,000 |
| Chattanooga, TN-GA | 25 | $ 6,925,000 | $ 277,000 | $ 115,520 |
| Huntsville, AL | 24 | $ 6,750,000 | $ 281,250 | $ 99,000 |
| Birmingham-Hoover, AL | 21 | $ 5,415,000 | $ 257,857 | $ 144,000 |
| Phoenix-Mesa-Scottsdale, AZ | 21 | $ 5,985,000 | $ 285,000 | $ 91,000 |
| Cleveland, TN | 20 | $ 5,030,000 | $ 251,500 | $ 75,000 |
| Augusta-Richmond County, GA-SC | 17 | $ 3,795,000 | $ 223,235 | $ 97,000 |
| Los Angeles-Long Beach-Glendale, CA | 17 | $ 7,465,000 | $ 439,117 | $ 131,000 |
| Las Vegas-Henderson-Paradise, NV | 15 | $ 5,075,000 | $ 338,333 | $ 108,000 |
| Clarksville, TN-KY | 13 | $ 3,455,000 | $ 265,769 | $ 73,000 |
| Kingsport-Bristol-Bristol, TN-VA | 7 | $ 1,795,000 | $ 256,428 | $ 89,000 |
| Dalton, GA | 6 | $ 1,490,000 | $ 248,333 | $ 73,000 |
| Florence-Muscle Shoals, AL | 6 | $ 1,710,000 | $ 285,000 | $ 119,000 |
| Gainesville, GA | 6 | $ 1,830,000 | $ 305,000 | $ 125,000 |
| Carson City, NV | 5 | $ 1,645,000 | $ 329,000 | $ 88,000 |
| Johnson City, TN | 5 | $ 1,265,000 | $ 253,000 | $ 93,000 |
| Warner Robins, GA | 5 | $ 1,095,000 | $ 219,000 | $ 105,000 |
| Anaheim-Santa Ana-Irvine, CA | 4 | $ 2,030,000 | $ 507,500 | $ 70,000 |
| Anniston-Oxford-Jacksonville, AL | 4 | $ 730,000 | $ 182,500 | $ 41,000 |
| Gadsden, AL | 4 | $ 970,000 | $ 242,500 | $ 133,000 |
| Lake Havasu City-Kingman, AZ | 4 | $ 1,300,000 | $ 325,000 | $ 130,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 4 | $ 1,730,000 | $ 432,500 | $ 93,000 |
| Athens-Clarke County, GA | 3 | $ 915,000 | $ 305,000 | $ 95,000 |
| Bakersfield, CA | 3 | $ 775,000 | $ 258,333 | $ 135,000 |
| Fresno, CA | 3 | $ 895,000 | $ 298,333 | $ 73,000 |
| Macon-Bibb County, GA | 3 | $ 555,000 | $ 185,000 | $ 56,000 |
| Morristown, TN | 3 | $ 1,055,000 | $ 351,666 | $ 67,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 1,145,000 | $ 381,666 | $ 210,000 |
| Stockton-Lodi, CA | 3 | $ 1,145,000 | $ 381,666 | $ 132,000 |
| Tucson, AZ | 3 | $ 735,000 | $ 245,000 | $ 48,000 |
| Tuscaloosa, AL | 3 | $ 845,000 | $ 281,666 | $ 133,000 |
| Bowling Green, KY | 2 | $ 500,000 | $ 250,000 | $ 131,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 540,000 | $ 270,000 | $ 79,000 |
| El Centro, CA | 2 | $ 400,000 | $ 200,000 | $ 61,000 |
| Memphis, TN-MS-AR | 2 | $ 580,000 | $ 290,000 | $ 86,000 |
| Merced, CA | 2 | $ 620,000 | $ 310,000 | $ 48,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 1,220,000 | $ 610,000 | $ 129,000 |
| Richmond, VA | 2 | $ 410,000 | $ 205,000 | $ 63,000 |
| Salinas, CA | 2 | $ 1,490,000 | $ 745,000 | $ 182,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 1,270,000 | $ 635,000 | $ 120,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 580,000 | $ 290,000 | $ 65,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 205,000 | $ 205,000 | $ 60,000 |
| Jackson, TN | 1 | $ 345,000 | $ 345,000 | $ 73,000 |
| Lakeland-Winter Haven, FL | 1 | $ 85,000 | $ 85,000 | $ 82,000 |
| Lexington-Fayette, KY | 1 | $ 265,000 | $ 265,000 | $ 91,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 355,000 | $ 355,000 | $ 524,000 |
| Ocala, FL | 1 | $ 135,000 | $ 135,000 | $ 181,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 155,000 | $ 155,000 | $ 74,000 |
| Raleigh, NC | 1 | $ 245,000 | $ 245,000 | $ 105,000 |
| Rome, GA | 1 | $ 225,000 | $ 225,000 | $ 49,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 255,000 | $ 255,000 | $ 54,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 905,000 | $ 905,000 | $ 234,000 |
| Savannah, GA | 1 | $ 105,000 | $ 105,000 | $ 115,000 |
| Visalia-Porterville, CA | 1 | $ 105,000 | $ 105,000 | $ 36,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 275,000 | $ 275,000 | $ 119,000 |
| Yuma, AZ | 1 | $ 225,000 | $ 225,000 | $ 122,000 |
Mortgage Loan Application Detail Totals for Iserve Residential Lending in 2022
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 608 | $185,530,000 | $305,000 | $1,205,000 | $102,000 | $1,546,000 |
| Home Purchase | 523 | $178,465,000 | $341,000 | $1,255,000 | $105,000 | $897,000 |
| Refinancing | 154 | $46,630,000 | $302,000 | $725,000 | $116,000 | $287,000 |
| Home Improvement | 1 | $245,000 | $245,000 | $245,000 | $67,000 | $67,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 875 | $271,365,000 | $310,000 | $1,255,000 | $104,000 | $1,156,000 |
| Not Provided | 161 | $60,255,000 | $374,000 | $1,195,000 | $109,000 | $1,179,000 |
| Black or African American | 123 | $35,985,000 | $292,000 | $715,000 | $103,000 | $1,546,000 |
| Hispanic | 79 | $24,285,000 | $307,000 | $725,000 | $99,000 | $335,000 |
| Asian | 40 | $16,000,000 | $400,000 | $875,000 | $106,000 | $323,000 |
| American Indian or Alaskan Native | 5 | $1,325,000 | $265,000 | $405,000 | $73,000 | $101,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $245,000 | $245,000 | $245,000 | $153,000 | $153,000 |
| 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) | 641 | $220,255,000 | $343,000 | $1,255,000 | $119,000 | $1,179,000 |
| FHA-insured (Federal Housing Administration) | 524 | $148,920,000 | $284,000 | $695,000 | $92,000 | $1,546,000 |
| VA-guaranteed (Veterans Administration) | 101 | $36,715,000 | $363,000 | $1,205,000 | $87,000 | $244,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $4,980,000 | $249,000 | $335,000 | $74,000 | $103,000 |
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 | 891 | $286,095,000 | $321,000 | $1,205,000 | $107,000 | $1,546,000 |
| Application Withdrawn By Applicant | 263 | $79,885,000 | $303,000 | $1,165,000 | $94,000 | $350,000 |
| Application Approved But Not Accepted | 67 | $23,555,000 | $351,000 | $875,000 | $106,000 | $340,000 |
| Application Denied By Financial Institution | 63 | $19,615,000 | $311,000 | $955,000 | $75,000 | $244,000 |
| File Closed For Incompleteness | 2 | $1,720,000 | $860,000 | $1,255,000 | $255,000 | $255,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,223 | $391,255,000 | $319,000 | $1,255,000 | $106,000 | $1,546,000 |
| Debt-To-Income Ratio | 22 | $6,540,000 | $297,000 | $665,000 | $62,000 | $95,000 |
| Collateral | 17 | $4,555,000 | $267,000 | $555,000 | $67,000 | $117,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $2,105,000 | $300,000 | $365,000 | $126,000 | $244,000 |
| Credit Application Incomplete | 5 | $2,225,000 | $445,000 | $955,000 | $53,000 | $53,000 |
| Credit History | 5 | $2,125,000 | $425,000 | $625,000 | $82,000 | $82,000 |
| Unverifiable Information | 4 | $1,030,000 | $257,000 | $355,000 | $72,000 | $89,000 |
| Other | 2 | $740,000 | $370,000 | $425,000 | $107,000 | $107,000 |
| Employment History | 1 | $295,000 | $295,000 | $295,000 | $42,000 | $42,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Iserve Residential Lending's 2022 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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