Iserve Residential Lending Mortgage Lending & HMDA Data, 2010
In 2010, Iserve Residential Lending of San Diego, CA reported 1,790 mortgage applications totaling $452.9 million, up 307% from 2009. The average application was for $253,000, and applicants reported an average income of $99,064. 79% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (295), Santa Ana-Anaheim-Irvine, CA (192) and San Diego-Carlsbad-San Marcos, CA (171) (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 | 1,790 |
| Total Mortgage Loan Application Amount | $452,871,000 |
| Average Mortgage Loan Application Amount | $253,000 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $99,064 |
| Highest Applicant Income | $2,392,000 |
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records Iserve Residential Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 295 | $ 84,355,000 | $ 285,949 | $ 105,000 |
| Santa Ana-Anaheim-Irvine, CA | 192 | $ 63,374,000 | $ 330,072 | $ 119,000 |
| San Diego-Carlsbad-San Marcos, CA | 171 | $ 55,071,000 | $ 322,052 | $ 116,000 |
| Napa, CA | 140 | $ 43,397,000 | $ 309,978 | $ 112,000 |
| Oakland-Fremont-Hayward, CA | 129 | $ 33,105,000 | $ 256,627 | $ 89,000 |
| Riverside-San Bernardino-Ontario, CA | 120 | $ 27,437,000 | $ 228,641 | $ 105,000 |
| Albuquerque, NM | 77 | $ 9,811,000 | $ 127,415 | $ 45,000 |
| Phoenix-Mesa-Glendale, AZ | 69 | $ 10,317,000 | $ 149,521 | $ 66,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 52 | $ 15,967,000 | $ 307,057 | $ 102,000 |
| Chattanooga, TN-GA | 46 | $ 6,381,000 | $ 138,717 | $ 66,586 |
| Modesto, CA | 29 | $ 4,110,000 | $ 141,724 | $ 87,000 |
| Vallejo-Fairfield, CA | 26 | $ 5,089,000 | $ 195,730 | $ 81,000 |
| Birmingham-Hoover, AL | 24 | $ 2,883,000 | $ 120,125 | $ 59,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 24 | $ 3,416,000 | $ 142,333 | $ 53,000 |
| Cleveland, TN | 21 | $ 2,902,000 | $ 138,190 | $ 58,000 |
| Stockton, CA | 16 | $ 2,688,000 | $ 168,000 | $ 67,000 |
| San Francisco-San Mateo-Redwood City, CA | 14 | $ 6,668,000 | $ 476,285 | $ 169,000 |
| Santa Fe, NM | 14 | $ 3,583,000 | $ 255,928 | $ 78,000 |
| Orlando-Kissimmee-Sanford, FL | 12 | $ 1,387,000 | $ 115,583 | $ 44,000 |
| Seattle-Bellevue-Everett, WA | 11 | $ 3,215,000 | $ 292,272 | $ 91,000 |
| Chico, CA | 10 | $ 2,955,000 | $ 295,500 | $ 113,000 |
| Las Vegas-Paradise, NV | 10 | $ 1,281,000 | $ 128,100 | $ 108,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 10 | $ 3,240,000 | $ 324,000 | $ 305,000 |
| Bakersfield-Delano, CA | 9 | $ 1,656,000 | $ 184,000 | $ 84,000 |
| Las Cruces, NM | 9 | $ 1,787,000 | $ 198,555 | $ 70,000 |
| Dallas-Plano-Irving, TX | 8 | $ 1,760,000 | $ 220,000 | $ 175,000 |
| Tacoma, WA | 8 | $ 2,089,000 | $ 261,125 | $ 83,000 |
| Salt Lake City, UT | 7 | $ 1,681,000 | $ 240,142 | $ 37,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 7 | $ 2,241,000 | $ 320,142 | $ 113,000 |
| Santa Rosa-Petaluma, CA | 6 | $ 1,835,000 | $ 305,833 | $ 116,000 |
| Morristown, TN | 5 | $ 869,000 | $ 173,800 | $ 65,000 |
| Dalton, GA | 4 | $ 649,000 | $ 162,250 | $ 72,000 |
| Knoxville, TN | 4 | $ 459,000 | $ 114,750 | $ 59,000 |
| Bremerton-Silverdale, WA | 3 | $ 1,034,000 | $ 344,666 | $ 849,000 |
| Flagstaff, AZ | 3 | $ 532,000 | $ 177,333 | $ 40,000 |
| Fort Worth-Arlington, TX | 3 | $ 362,000 | $ 120,666 | $ 78,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 338,000 | $ 112,666 | $ 65,000 |
| Mobile, AL | 3 | $ 547,000 | $ 182,333 | $ 64,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 3 | $ 724,000 | $ 241,333 | $ 105,000 |
| Farmington, NM | 2 | $ 288,000 | $ 144,000 | $ 65,000 |
| Fresno, CA | 2 | $ 360,000 | $ 180,000 | $ 60,000 |
| Lakeland-Winter Haven, FL | 2 | $ 237,000 | $ 118,500 | $ 33,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 519,000 | $ 259,500 | $ 70,000 |
| Tucson, AZ | 2 | $ 362,000 | $ 181,000 | $ 75,000 |
| Tuscaloosa, AL | 2 | $ 407,000 | $ 203,500 | $ 69,000 |
| Anniston-Oxford, AL | 1 | $ 61,000 | $ 61,000 | $ 39,000 |
| Corvallis, OR | 1 | $ 224,000 | $ 224,000 | $ 0 |
| El Centro, CA | 1 | $ 146,000 | $ 146,000 | $ 33,000 |
| Gadsden, AL | 1 | $ 173,000 | $ 173,000 | $ 76,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 222,000 | $ 222,000 | $ 74,000 |
| Huntsville, AL | 1 | $ 140,000 | $ 140,000 | $ 42,000 |
| Kennewick-Pasco-Richland, WA | 1 | $ 277,000 | $ 277,000 | $ 117,000 |
| Merced, CA | 1 | $ 216,000 | $ 216,000 | $ 165,000 |
| Montgomery, AL | 1 | $ 66,000 | $ 66,000 | $ 43,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 239,000 | $ 239,000 | $ 105,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 186,000 | $ 186,000 | $ 47,000 |
| Provo-Orem, UT | 1 | $ 250,000 | $ 250,000 | $ 105,000 |
| Salinas, CA | 1 | $ 159,000 | $ 159,000 | $ 79,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 1,418,000 | $ 1,418,000 | $ 1,034,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 113,000 | $ 113,000 | $ 36,000 |
| Visalia-Porterville, CA | 1 | $ 134,000 | $ 134,000 | $ 129,000 |
| Yuma, AZ | 1 | $ 172,000 | $ 172,000 | $ 37,000 |
Mortgage Loan Application Detail Totals for Iserve Residential Lending in 2010
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 | 1,112 | $303,956,000 | $273,000 | $4,000,000 | $107,000 | $2,392,000 |
| Home Purchase | 661 | $145,300,000 | $219,000 | $1,418,000 | $86,000 | $1,998,000 |
| Home Improvement | 17 | $3,615,000 | $212,000 | $413,000 | $88,000 | $191,000 |
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 | 964 | $252,250,000 | $261,000 | $4,000,000 | $111,000 | $2,392,000 |
| Hispanic | 355 | $68,919,000 | $194,000 | $640,000 | $63,000 | $323,000 |
| Not Provided | 287 | $86,129,000 | $300,000 | $746,000 | $115,000 | $775,000 |
| Asian | 99 | $29,528,000 | $298,000 | $605,000 | $100,000 | $309,000 |
| American Indian or Alaskan Native | 44 | $6,384,000 | $145,000 | $298,000 | $56,000 | $151,000 |
| Black or African American | 34 | $7,729,000 | $227,000 | $436,000 | $65,000 | $177,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,932,000 | $276,000 | $400,000 | $78,000 | $130,000 |
| 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) | 1,095 | $299,883,000 | $273,000 | $4,000,000 | $118,000 | $2,392,000 |
| FHA-insured (Federal Housing Administration) | 654 | $146,024,000 | $223,000 | $746,000 | $70,000 | $379,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 38 | $6,125,000 | $161,000 | $326,000 | $43,000 | $83,000 |
| VA-guaranteed (Veterans Administration) | 3 | $839,000 | $279,000 | $358,000 | $85,000 | $106,000 |
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 | 1,423 | $351,736,000 | $247,000 | $963,000 | $98,000 | $2,392,000 |
| Application Withdrawn By Applicant | 154 | $46,182,000 | $299,000 | $4,000,000 | $111,000 | $1,998,000 |
| Application Denied By Financial Institution | 104 | $24,283,000 | $233,000 | $730,000 | $84,000 | $323,000 |
| Application Approved But Not Accepted | 59 | $15,534,000 | $263,000 | $665,000 | $101,000 | $303,000 |
| File Closed For Incompleteness | 49 | $14,743,000 | $300,000 | $712,000 | $114,000 | $499,000 |
| Preapproval Approved but not Accepted | 1 | $393,000 | $393,000 | $393,000 | $143,000 | $143,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 41 | $11,124,000 | $271,000 | $730,000 | $81,000 | $323,000 |
| Collateral | 25 | $5,736,000 | $229,000 | $649,000 | $103,000 | $294,000 |
| Credit History | 12 | $2,097,000 | $174,000 | $352,000 | $65,000 | $126,000 |
| Other | 7 | $973,000 | $139,000 | $247,000 | $71,000 | $168,000 |
| Employment History | 7 | $1,991,000 | $284,000 | $626,000 | $91,000 | $232,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $388,000 | $129,000 | $165,000 | $45,000 | $56,000 |
| Unverifiable Information | 3 | $603,000 | $201,000 | $265,000 | $113,000 | $181,000 |
| Mortgage Insurance Denied | 1 | $146,000 | $146,000 | $146,000 | $64,000 | $64,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Iserve Residential Lending's 2010 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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with aggregated HMDA statistics today.
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