Applications / Mortgage Analytics / Lenders / Iowa / Homeservices Lending
Urbandale, IA · Non-bank affiliate of a holding company · CFPB · 539 loans in 2025
Homeservices Lending's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
539
loans originated, 2025
645
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Homeservices Lending, a Des Moines-area home-buying lender, makes a larger share of its loans to low- and moderate-income borrowers than any similar lender.
Low- and moderate-income (LMI) borrowers took 48.0% of its loans, against 32.4% at similar lenders, non-bank affiliates of holding companies making between a quarter and four times as many loans. Its typical loan was $225,000, smaller than at about nine in ten of them. It made no jumbo loans.
Home purchases were 89.6% of its loans. Loans insured by the Federal Housing Administration (FHA) made up 15.8%, and those guaranteed by the Department of Veterans Affairs (VA) 9.5%, both above the shares at similar lenders.
It ranked 15 of 396 lenders in Des Moines, its largest market, but its share fell from 2.6% to 1.8%. GreenState Credit Union and Veridian Credit Union led. The slip may simply follow its own lending, which fell 12% to 539 loans, while similar lenders fell 5%. With all its lending in two states, a smaller year shows up quickly in its home market.
It made 9,258 loans in 2018 and 1,703 in 2020. Since 2022 it has made between 539 and 700 a year. The record does not say why the drop came so early.
Similar lenders: same lender type, originations between a quarter and four times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Homeservices Lending took 645 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 89.6% · Refinance 9.6% · Home improvement 0.4% · Other 0.4%
Conventional 72.9% · FHA 15.8% · VA 9.5% · USDA (RHS or FSA) 1.9% · of 539 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Iowa | 533 | 98.9% |
| Nebraska | 6 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Des Moines-West Des Moines | 403 |
| Cedar Rapids | 21 |
| Ames | 20 |
| Omaha | 11 |
| Iowa City | 7 |
| Davenport-Moline-Rock Island | 2 |
| Dubuque | 2 |
| Sioux City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FYXKL13UG7P021 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2724047 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7411914032 | |
| Respondent ID (the HMDA filer code before 2018) | 71255100009 | 2000–2004 |
| Respondent ID (the HMDA filer code before 2018) | 1411914032 | 2005–2010 |
| Respondent ID (the HMDA filer code before 2018) | 9411914032 | 2011–2016 |
Established 1 July 1998. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Homeservices Lending's data.
Homeservices Lending's data
$215
Homeservices Lending and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Homeservices Lending's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]