Iserve Residential Lending Mortgage Lending & HMDA Data, 2005
In 2005, Iserve Residential Lending of San Diego, CA reported 311 mortgage applications totaling $61.1 million. The average application was for $196,418, and applicants reported an average income of $115,421. 62% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (75), Los Angeles-Long Beach-Glendale, CA (23) and Orlando, FL (16) (applications in parentheses).
| Mortgage Company & Address | Iserve Residential Lending 13520 Evening Creek Drive Suite #400 San Diego, CA 92128 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2005 |
| Total Number of Mortgage Applications | 311 |
| Total Mortgage Loan Application Amount | $61,086,000 |
| Average Mortgage Loan Application Amount | $196,418 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $115,421 |
| Highest Applicant Income | $900,000 |
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records Iserve Residential Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Maricopa, Arizona | 72 | $ 18,169,000 | $ 252,347 | $ 173,000 |
| Los Angeles, California | 23 | $ 5,160,000 | $ 224,347 | $ 101,000 |
| Broward, Florida | 13 | $ 2,864,000 | $ 220,307 | $ 111,000 |
| Orange, Florida | 9 | $ 1,516,000 | $ 168,444 | $ 77,000 |
| Montgomery, Maryland | 8 | $ 2,401,000 | $ 300,125 | $ 137,000 |
| Orange, California | 7 | $ 1,649,000 | $ 235,571 | $ 143,000 |
| San Bernardino, California | 7 | $ 911,000 | $ 130,142 | $ 111,000 |
| San Diego, California | 7 | $ 1,685,000 | $ 240,714 | $ 167,000 |
| Baltimore City, Maryland | 7 | $ 579,000 | $ 82,714 | $ 108,000 |
| Fairfax, Virginia | 7 | $ 1,698,000 | $ 242,571 | $ 131,000 |
| Santa Clara, California | 5 | $ 1,857,000 | $ 371,400 | $ 144,000 |
| Navajo, Arizona | 4 | $ 657,000 | $ 164,250 | $ 151,000 |
| San Joaquin, California | 4 | $ 1,163,000 | $ 290,750 | $ 186,000 |
| Osceola, Florida | 4 | $ 478,000 | $ 119,500 | $ 64,000 |
| Pinellas, Florida | 4 | $ 413,000 | $ 103,250 | $ 52,000 |
| Chatham, Georgia | 4 | $ 493,000 | $ 123,250 | $ 134,000 |
| Baltimore, Maryland | 4 | $ 505,000 | $ 126,250 | $ 51,000 |
| Prince George's, Maryland | 4 | $ 889,000 | $ 222,250 | $ 145,000 |
| Clark, Nevada | 4 | $ 786,000 | $ 196,500 | $ 101,000 |
| Prince William, Virginia | 4 | $ 1,299,000 | $ 324,750 | $ 114,000 |
| Pima, Arizona | 3 | $ 1,213,000 | $ 404,333 | $ 177,000 |
| Pinal, Arizona | 3 | $ 317,000 | $ 105,666 | $ 51,000 |
| San Luis Obispo, California | 3 | $ 325,000 | $ 108,333 | $ 230,000 |
| St. Lucie, Florida | 3 | $ 458,000 | $ 152,666 | $ 163,000 |
| Loudoun, Virginia | 3 | $ 703,000 | $ 234,333 | $ 160,000 |
| Spotsylvania, Virginia | 3 | $ 508,000 | $ 169,333 | $ 67,000 |
| Alameda, California | 2 | $ 725,000 | $ 362,500 | $ 119,000 |
| Lake, California | 2 | $ 425,000 | $ 212,500 | $ 119,000 |
| Sonoma, California | 2 | $ 98,000 | $ 49,000 | $ 46,000 |
| Arapahoe, Colorado | 2 | $ 107,000 | $ 53,500 | $ 81,000 |
| Denver, Colorado | 2 | $ 361,000 | $ 180,500 | $ 125,000 |
| Brevard, Florida | 2 | $ 285,000 | $ 142,500 | $ 86,000 |
| Hillsborough, Florida | 2 | $ 117,000 | $ 58,500 | $ 69,000 |
| Lake, Florida | 2 | $ 193,000 | $ 96,500 | $ 96,000 |
| DeKalb, Georgia | 2 | $ 718,000 | $ 359,000 | $ 41,000 |
| Anne Arundel, Maryland | 2 | $ 367,000 | $ 183,500 | $ 25,000 |
| Cecil, Maryland | 2 | $ 333,000 | $ 166,500 | $ 121,000 |
| Dorchester, Maryland | 2 | $ 135,000 | $ 67,500 | $ 44,000 |
| Howard, Maryland | 2 | $ 358,000 | $ 179,000 | $ 89,000 |
| Worcester, Maryland | 2 | $ 294,000 | $ 147,000 | $ 169,000 |
| Wake, North Carolina | 2 | $ 110,000 | $ 55,000 | $ 87,000 |
| Salt Lake, Utah | 2 | $ 89,000 | $ 44,500 | $ 47,000 |
| Virginia Beach, Virginia | 2 | $ 464,000 | $ 232,000 | $ 88,000 |
| Winchester, Virginia | 2 | $ 162,000 | $ 81,000 | $ 50,000 |
| Washburn, Wisconsin | 2 | $ 115,000 | $ 57,500 | $ 60,000 |
| Coconino, Arizona | 1 | $ 110,000 | $ 110,000 | $ 42,000 |
| Butte, California | 1 | $ 170,000 | $ 170,000 | $ 51,000 |
| El Dorado, California | 1 | $ 175,000 | $ 175,000 | $ 228,000 |
| Fresno, California | 1 | $ 160,000 | $ 160,000 | $ 57,000 |
| Marin, California | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Nevada, California | 1 | $ 50,000 | $ 50,000 | $ 118,000 |
| Sacramento, California | 1 | $ 315,000 | $ 315,000 | $ 144,000 |
| Ventura, California | 1 | $ 42,000 | $ 42,000 | $ 97,000 |
| Jefferson, Colorado | 1 | $ 99,000 | $ 99,000 | $ 45,000 |
| Bradford, Florida | 1 | $ 96,000 | $ 96,000 | $ 34,000 |
| Duval, Florida | 1 | $ 92,000 | $ 92,000 | $ 96,000 |
| Marion, Florida | 1 | $ 46,000 | $ 46,000 | $ 78,000 |
| Miami-Dade, Florida | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Palm Beach, Florida | 1 | $ 75,000 | $ 75,000 | $ 81,000 |
| Polk, Florida | 1 | $ 63,000 | $ 63,000 | $ 86,000 |
| Seminole, Florida | 1 | $ 40,000 | $ 40,000 | $ 79,000 |
| Barrow, Georgia | 1 | $ 120,000 | $ 120,000 | $ 82,000 |
| Clayton, Georgia | 1 | $ 130,000 | $ 130,000 | $ 65,000 |
| Fulton, Georgia | 1 | $ 144,000 | $ 144,000 | $ 218,000 |
| Gwinnett, Georgia | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Telfair, Georgia | 1 | $ 24,000 | $ 24,000 | $ 27,000 |
| Canyon, Idaho | 1 | $ 49,000 | $ 49,000 | $ 95,000 |
| Allen, Indiana | 1 | $ 571,000 | $ 571,000 | $ 234,000 |
| Howard, Indiana | 1 | $ 20,000 | $ 20,000 | $ 300,000 |
| Kosciusko, Indiana | 1 | $ 75,000 | $ 75,000 | $ 98,000 |
| Lake, Indiana | 1 | $ 40,000 | $ 40,000 | $ 80,000 |
| Scott, Kentucky | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Charles, Maryland | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Franklin, Missouri | 1 | $ 200,000 | $ 200,000 | $ 85,000 |
| Jefferson, Missouri | 1 | $ 44,000 | $ 44,000 | $ 38,000 |
| Webster, Missouri | 1 | $ 75,000 | $ 75,000 | $ 273,000 |
| Bernalillo, New Mexico | 1 | $ 46,000 | $ 46,000 | $ 55,000 |
| Buncombe, North Carolina | 1 | $ 295,000 | $ 295,000 | $ 252,000 |
| Chowan, North Carolina | 1 | $ 44,000 | $ 44,000 | $ 101,000 |
| Guilford, North Carolina | 1 | $ 60,000 | $ 60,000 | $ 83,000 |
| Surry, North Carolina | 1 | $ 35,000 | $ 35,000 | $ 29,000 |
| McClain, Oklahoma | 1 | $ 31,000 | $ 31,000 | $ 54,000 |
| Oklahoma, Oklahoma | 1 | $ 51,000 | $ 51,000 | $ 54,000 |
| Lane, Oregon | 1 | $ 124,000 | $ 124,000 | $ 83,000 |
| Horry, South Carolina | 1 | $ 636,000 | $ 636,000 | $ 207,000 |
| Richland, South Carolina | 1 | $ 161,000 | $ 161,000 | $ 122,000 |
| Utah, Utah | 1 | $ 197,000 | $ 197,000 | $ 68,000 |
| Arlington, Virginia | 1 | $ 200,000 | $ 200,000 | $ 133,000 |
| Caroline, Virginia | 1 | $ 67,000 | $ 67,000 | $ 105,000 |
| Chesterfield, Virginia | 1 | $ 307,000 | $ 307,000 | $ 133,000 |
| Hanover, Virginia | 1 | $ 33,000 | $ 33,000 | $ 52,000 |
| Nelson, Virginia | 1 | $ 95,000 | $ 95,000 | $ 67,000 |
| Portsmouth, Virginia | 1 | $ 30,000 | $ 30,000 | $ 77,000 |
| Stafford, Virginia | 1 | $ 331,000 | $ 331,000 | $ 70,000 |
| Staunton, Virginia | 1 | $ 30,000 | $ 30,000 | $ 80,000 |
| Dunn, Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 103,000 |
| Milwaukee, Wisconsin | 1 | $ 81,000 | $ 81,000 | $ 108,000 |
| Waukesha, Wisconsin | 1 | $ 50,000 | $ 50,000 | $ 86,000 |
| Wood, Wisconsin | 1 | $ 43,000 | $ 43,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Iserve Residential Lending in 2005
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 | 178 | $32,077,000 | $131,764 | $1,000,000 | $93,058 | $900,000 |
| Home Purchase | 133 | $29,009,000 | $207,500 | $840,000 | $111,500 | $840,000 |
| Home Improvement | 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 | 175 | $34,861,000 | $150,333 | $1,000,000 | $96,222 | $840,000 |
| Not Provided | 37 | $7,360,000 | $159,444 | $650,000 | $110,666 | $300,000 |
| Black or African American | 37 | $6,710,000 | $174,000 | $738,000 | $110,500 | $408,000 |
| Hispanic | 36 | $6,275,000 | $188,625 | $713,000 | $87,500 | $281,000 |
| Asian | 25 | $5,824,000 | $220,000 | $905,000 | $221,166 | $900,000 |
| American Indian or Alaskan Native | 1 | $56,000 | $56,000 | $56,000 | $194,000 | $194,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 311 | $61,086,000 | $144,947 | $1,000,000 | $96,368 | $900,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 193 | $39,847,000 | $137,812 | $1,000,000 | $93,062 | $900,000 |
| Application Withdrawn By Applicant | 63 | $12,186,000 | $139,916 | $905,000 | $87,500 | $342,000 |
| Application Denied By Financial Institution | 34 | $5,928,000 | $160,545 | $713,000 | $122,545 | $427,000 |
| Application Approved But Not Accepted | 13 | $1,953,000 | $144,285 | $363,000 | $114,285 | $218,000 |
| File Closed For Incompleteness | 8 | $1,172,000 | $106,800 | $412,000 | $70,600 | $144,000 |
| 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 |
|---|---|---|---|---|---|---|
| Unverifiable Information | 10 | $1,511,000 | $156,571 | $330,000 | $93,142 | $252,000 |
| Collateral | 8 | $767,000 | $95,166 | $184,000 | $118,333 | $273,000 |
| Credit History | 7 | $1,629,000 | $274,250 | $571,000 | $109,750 | $234,000 |
| Credit Application Incomplete | 4 | $782,000 | $163,666 | $465,000 | $192,000 | $427,000 |
| Other | 4 | $911,000 | $274,000 | $713,000 | $192,000 | $300,000 |
| Debt-To-Income Ratio | 1 | $328,000 | $328,000 | $328,000 | $104,000 | $104,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Iserve Residential Lending's 2005 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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