Iserve Residential Lending Mortgage Lending & HMDA Data, 2007
In 2007, Iserve Residential Lending of San Diego, CA reported 914 mortgage applications totaling $250.9 million. The average application was for $274,556, and applicants reported an average income of $156,133. 22% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (428), Los Angeles-Long Beach-Glendale, CA (97) and Riverside-San Bernardino-Ontario, CA (53) (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 | 914 |
| Total Mortgage Loan Application Amount | $250,945,000 |
| Average Mortgage Loan Application Amount | $274,556 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $156,133 |
| Highest Applicant Income | $1,838,000 |
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records Iserve Residential Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Phoenix-Mesa-Scottsdale, AZ | 428 | $ 107,207,000 | $ 250,483 | $ 140,000 |
| Los Angeles-Long Beach-Glendale, CA | 97 | $ 36,004,000 | $ 371,175 | $ 160,000 |
| Riverside-San Bernardino-Ontario, CA | 53 | $ 17,635,000 | $ 332,735 | $ 247,000 |
| Tampa-St. Petersburg-Clearwater, FL | 24 | $ 4,087,000 | $ 170,291 | $ 92,000 |
| Miami-Miami Beach-Kendall, FL | 16 | $ 5,349,000 | $ 334,312 | $ 196,000 |
| Oakland-Fremont-Hayward, CA | 15 | $ 5,270,000 | $ 351,333 | $ 204,000 |
| Tucson, AZ | 15 | $ 3,698,000 | $ 246,533 | $ 147,000 |
| Santa Ana-Anaheim-Irvine, CA | 13 | $ 3,279,000 | $ 252,230 | $ 129,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 13 | $ 4,874,000 | $ 374,923 | $ 155,692 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 12 | $ 3,378,000 | $ 281,500 | $ 276,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 12 | $ 3,657,000 | $ 304,750 | $ 130,000 |
| Atlanta-Sandy Springs-Marietta, GA | 10 | $ 1,622,000 | $ 162,200 | $ 81,000 |
| Orlando-Kissimmee, FL | 10 | $ 3,187,000 | $ 318,700 | $ 327,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 10 | $ 2,496,000 | $ 249,600 | $ 122,000 |
| Bakersfield, CA | 8 | $ 1,181,000 | $ 147,625 | $ 98,000 |
| Las Vegas-Paradise, NV | 8 | $ 2,559,000 | $ 319,875 | $ 68,000 |
| Salt Lake City, UT | 8 | $ 2,455,000 | $ 306,875 | $ 208,000 |
| Fresno, CA | 7 | $ 843,000 | $ 120,428 | $ 452,000 |
| San Diego-Carlsbad-San Marcos, CA | 7 | $ 3,708,000 | $ 529,714 | $ 262,000 |
| St. George, UT | 7 | $ 4,324,000 | $ 617,714 | $ 255,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 6 | $ 2,199,000 | $ 366,500 | $ 160,000 |
| Baltimore-Towson, MD | 5 | $ 635,000 | $ 127,000 | $ 89,000 |
| San Francisco-San Mateo-Redwood City, CA | 5 | $ 2,385,000 | $ 477,000 | $ 209,000 |
| Yuma, AZ | 5 | $ 673,000 | $ 134,600 | $ 78,000 |
| Denver-Aurora, CO | 4 | $ 1,430,000 | $ 357,500 | $ 255,000 |
| Prescott, AZ | 4 | $ 948,000 | $ 237,000 | $ 67,000 |
| Stockton, CA | 4 | $ 1,571,000 | $ 392,750 | $ 111,000 |
| Flagstaff, AZ | 3 | $ 1,260,000 | $ 420,000 | $ 393,000 |
| Fort Collins-Loveland, CO | 3 | $ 848,000 | $ 282,666 | $ 66,000 |
| Jacksonville, FL | 3 | $ 1,864,000 | $ 621,333 | $ 240,000 |
| Ocala, FL | 3 | $ 249,000 | $ 83,000 | $ 56,000 |
| Provo-Orem, UT | 3 | $ 1,380,000 | $ 460,000 | $ 182,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 1,315,000 | $ 438,333 | $ 244,000 |
| Sebastian-Vero Beach, FL | 3 | $ 606,000 | $ 202,000 | $ 102,000 |
| Albuquerque, NM | 2 | $ 533,000 | $ 266,500 | $ 91,000 |
| Boise City-Nampa, ID | 2 | $ 143,000 | $ 71,500 | $ 89,000 |
| Colorado Springs, CO | 2 | $ 758,000 | $ 379,000 | $ 88,000 |
| Indianapolis-Carmel, IN | 2 | $ 452,000 | $ 226,000 | $ 113,000 |
| Naples-Marco Island, FL | 2 | $ 475,000 | $ 237,500 | $ 98,000 |
| Ogden-Clearfield, UT | 2 | $ 158,000 | $ 79,000 | $ 216,000 |
| Panama City-Lynn Haven, FL | 2 | $ 212,000 | $ 106,000 | $ 144,000 |
| Portland-Vancouver-Beaverton, OR-WA | 2 | $ 190,000 | $ 95,000 | $ 203,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 2 | $ 329,000 | $ 164,500 | $ 74,000 |
| Sarasota-Bradenton-Venice, FL | 2 | $ 409,000 | $ 204,500 | $ 134,000 |
| St. Louis, MO-IL | 2 | $ 331,000 | $ 165,500 | $ 76,000 |
| Vallejo-Fairfield, CA | 2 | $ 470,000 | $ 235,000 | $ 59,000 |
| Anderson, IN | 1 | $ 32,000 | $ 32,000 | $ 42,000 |
| Bethesda-Gaithersburg-Frederick, MD | 1 | $ 317,000 | $ 317,000 | $ 81,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 87,000 | $ 87,000 | $ 135,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 138,000 | $ 138,000 | $ 276,000 |
| Chico, CA | 1 | $ 417,000 | $ 417,000 | $ 122,000 |
| Eugene-Springfield, OR | 1 | $ 25,000 | $ 25,000 | $ 74,000 |
| Fort Wayne, IN | 1 | $ 45,000 | $ 45,000 | $ 68,000 |
| Fort Worth-Arlington, TX | 1 | $ 245,000 | $ 245,000 | $ 126,000 |
| Gainesville, GA | 1 | $ 70,000 | $ 70,000 | $ 189,000 |
| Greeley, CO | 1 | $ 160,000 | $ 160,000 | $ 91,000 |
| Honolulu, HI | 1 | $ 115,000 | $ 115,000 | $ 240,000 |
| Kansas City, MO-KS | 1 | $ 38,000 | $ 38,000 | $ 768,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 352,000 | $ 352,000 | $ 112,000 |
| Lawton, OK | 1 | $ 201,000 | $ 201,000 | $ 60,000 |
| Logan, UT-ID | 1 | $ 138,000 | $ 138,000 | $ 47,000 |
| Medford, OR | 1 | $ 200,000 | $ 200,000 | $ 564,000 |
| Merced, CA | 1 | $ 40,000 | $ 40,000 | $ 127,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 189,000 | $ 189,000 | $ 115,000 |
| Port St. Lucie, FL | 1 | $ 181,000 | $ 181,000 | $ 40,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 107,000 | $ 107,000 | $ 251,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 495,000 | $ 495,000 | $ 121,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 65,000 | $ 65,000 | $ 28,000 |
Mortgage Loan Application Detail Totals for Iserve Residential Lending in 2007
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 | 588 | $161,761,000 | $275,000 | $2,000,000 | $149,000 | $1,838,000 |
| Home Purchase | 326 | $89,184,000 | $273,000 | $1,477,000 | $169,000 | $1,500,000 |
| 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 | 473 | $132,912,000 | $280,000 | $1,999,000 | $167,000 | $1,838,000 |
| Hispanic | 230 | $52,756,000 | $229,000 | $1,477,000 | $104,000 | $626,000 |
| Black or African American | 82 | $22,283,000 | $271,000 | $1,190,000 | $219,000 | $1,500,000 |
| Not Provided | 81 | $28,489,000 | $351,000 | $1,680,000 | $155,000 | $675,000 |
| Asian | 30 | $9,487,000 | $316,000 | $1,288,000 | $183,000 | $478,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $4,095,000 | $315,000 | $2,000,000 | $212,000 | $720,000 |
| American Indian or Alaskan Native | 5 | $923,000 | $184,000 | $500,000 | $106,000 | $168,000 |
| 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) | 914 | $250,945,000 | $274,000 | $2,000,000 | $156,000 | $1,838,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 369 | $95,593,000 | $259,000 | $1,999,000 | $140,000 | $768,000 |
| Application Denied By Financial Institution | 268 | $81,053,000 | $302,000 | $2,000,000 | $171,000 | $1,500,000 |
| Loan Originated | 201 | $50,459,000 | $251,000 | $1,680,000 | $164,000 | $1,838,000 |
| File Closed For Incompleteness | 55 | $15,326,000 | $278,000 | $1,275,000 | $162,000 | $534,000 |
| Application Approved But Not Accepted | 21 | $8,514,000 | $405,000 | $1,463,000 | $163,000 | $1,000,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 69 | $20,008,000 | $289,000 | $1,477,000 | $206,000 | $1,253,000 |
| Credit History | 63 | $20,072,000 | $318,000 | $1,650,000 | $124,000 | $900,000 |
| Unverifiable Information | 18 | $5,546,000 | $308,000 | $2,000,000 | $162,000 | $720,000 |
| Collateral | 17 | $4,659,000 | $274,000 | $1,140,000 | $151,000 | $564,000 |
| Debt-To-Income Ratio | 14 | $4,277,000 | $305,000 | $602,000 | $81,000 | $262,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $2,928,000 | $418,000 | $1,190,000 | $517,000 | $1,500,000 |
| Employment History | 1 | $368,000 | $368,000 | $368,000 | $0 | $0 |
| Credit Application Incomplete | 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 2007 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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