Aspire Financial Inc Mortgage Lending & HMDA Data, 2006
In 2006, Aspire Financial Inc of Dallas, TX reported 6,445 mortgage applications totaling $743.3 million, up 18% from 2005. The average application was for $115,336, and applicants reported an average income of $82,892. 70% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Dallas-Plano-Irving, TX (3,069), Fort Worth-Arlington, TX (1,452) and Houston-Sugar Land-Baytown, TX (561) (applications in parentheses).
| Mortgage Company & Address | Aspire Financial Inc 4100 Alpha Rd #112 Dallas, TX 75244 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 6,445 |
| Total Mortgage Loan Application Amount | $743,344,000 |
| Average Mortgage Loan Application Amount | $115,336 |
| Highest Mortgage Loan Application Amount | $1,350,000 |
| Average Applicant Income | $82,892 |
| Highest Applicant Income | $1,756,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Aspire Financial Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Dallas, Texas | 1,384 | $ 158,748,000 | $ 114,702 | $ 85,000 |
| Tarrant, Texas | 1,209 | $ 135,330,000 | $ 111,935 | $ 82,000 |
| Denton, Texas | 598 | $ 82,552,000 | $ 138,046 | $ 98,000 |
| Collin, Texas | 594 | $ 82,702,000 | $ 139,228 | $ 98,000 |
| Harris, Texas | 329 | $ 34,608,000 | $ 105,191 | $ 83,000 |
| Ellis, Texas | 163 | $ 17,061,000 | $ 104,668 | $ 83,000 |
| Kaufman, Texas | 149 | $ 16,195,000 | $ 108,691 | $ 77,000 |
| Rockwall, Texas | 113 | $ 15,006,000 | $ 132,796 | $ 90,000 |
| Parker, Texas | 104 | $ 12,346,000 | $ 118,711 | $ 85,000 |
| Johnson, Texas | 102 | $ 10,247,000 | $ 100,460 | $ 65,000 |
| Fort Bend, Texas | 70 | $ 9,292,000 | $ 132,742 | $ 82,000 |
| Hunt, Texas | 64 | $ 6,646,000 | $ 103,843 | $ 86,000 |
| Montgomery, Texas | 54 | $ 6,447,000 | $ 119,388 | $ 76,000 |
| Galveston, Texas | 50 | $ 5,699,000 | $ 113,980 | $ 86,000 |
| Henderson, Texas | 49 | $ 5,291,000 | $ 107,979 | $ 77,000 |
| McLennan, Texas | 43 | $ 4,150,000 | $ 96,511 | $ 69,000 |
| Brazoria, Texas | 41 | $ 3,627,000 | $ 88,463 | $ 76,000 |
| Van Zandt, Texas | 41 | $ 4,012,000 | $ 97,853 | $ 74,000 |
| Hood, Texas | 39 | $ 6,283,000 | $ 161,102 | $ 119,000 |
| Wise, Texas | 37 | $ 4,278,000 | $ 115,621 | $ 75,000 |
| Grayson, Texas | 30 | $ 3,185,000 | $ 106,166 | $ 61,000 |
| Bexar, Texas | 29 | $ 3,909,000 | $ 134,793 | $ 95,000 |
| Cooke, Texas | 24 | $ 2,505,000 | $ 104,375 | $ 71,000 |
| Navarro, Texas | 23 | $ 2,838,000 | $ 123,391 | $ 69,000 |
| Erath, Texas | 20 | $ 1,660,000 | $ 83,000 | $ 77,000 |
| Fannin, Texas | 18 | $ 1,996,000 | $ 110,888 | $ 70,000 |
| Wood, Texas | 18 | $ 2,319,000 | $ 128,833 | $ 99,000 |
| Lamar, Texas | 15 | $ 885,000 | $ 59,000 | $ 49,000 |
| Williamson, Texas | 15 | $ 1,667,000 | $ 111,133 | $ 78,000 |
| Bosque, Texas | 14 | $ 1,068,000 | $ 76,285 | $ 46,000 |
| Hopkins, Texas | 14 | $ 1,251,000 | $ 89,357 | $ 93,000 |
| Montague, Texas | 13 | $ 1,439,000 | $ 110,692 | $ 74,000 |
| Hill, Texas | 12 | $ 954,000 | $ 79,500 | $ 61,000 |
| Lubbock, Texas | 11 | $ 1,086,000 | $ 98,727 | $ 108,000 |
| El Paso, Texas | 10 | $ 919,000 | $ 91,900 | $ 81,000 |
| Smith, Texas | 10 | $ 1,150,000 | $ 115,000 | $ 76,000 |
| Wichita, Texas | 10 | $ 625,000 | $ 62,500 | $ 103,000 |
| Palo Pinto, Texas | 9 | $ 715,000 | $ 79,444 | $ 59,000 |
| Rains, Texas | 9 | $ 632,000 | $ 70,222 | $ 67,000 |
| Somervell, Texas | 9 | $ 1,563,000 | $ 173,666 | $ 145,000 |
| Taylor, Texas | 9 | $ 905,000 | $ 100,555 | $ 53,000 |
| Travis, Texas | 9 | $ 1,451,000 | $ 161,222 | $ 105,000 |
| Anderson, Texas | 8 | $ 744,000 | $ 93,000 | $ 120,000 |
| Brown, Texas | 8 | $ 993,000 | $ 124,125 | $ 59,000 |
| Gregg, Texas | 8 | $ 783,000 | $ 97,875 | $ 83,000 |
| Bell, Texas | 7 | $ 818,000 | $ 116,857 | $ 83,000 |
| Brazos, Texas | 7 | $ 587,000 | $ 83,857 | $ 83,000 |
| Liberty, Texas | 6 | $ 499,000 | $ 83,166 | $ 37,000 |
| Washington, Texas | 6 | $ 444,000 | $ 74,000 | $ 61,000 |
| Freestone, Texas | 5 | $ 723,000 | $ 144,600 | $ 93,000 |
| Hays, Texas | 5 | $ 726,000 | $ 145,200 | $ 159,000 |
| Hidalgo, Texas | 5 | $ 288,000 | $ 57,600 | $ 58,000 |
| Jefferson, Texas | 5 | $ 495,000 | $ 99,000 | $ 74,000 |
| Upshur, Texas | 5 | $ 479,000 | $ 95,800 | $ 62,000 |
| Austin, Texas | 4 | $ 202,000 | $ 50,500 | $ 54,000 |
| Cherokee, Texas | 4 | $ 366,000 | $ 91,500 | $ 63,000 |
| Delta, Texas | 4 | $ 259,000 | $ 64,750 | $ 61,000 |
| Rusk, Texas | 4 | $ 612,000 | $ 153,000 | $ 72,000 |
| Titus, Texas | 4 | $ 720,000 | $ 180,000 | $ 64,000 |
| Young, Texas | 4 | $ 239,000 | $ 59,750 | $ 54,000 |
| Camp, Texas | 3 | $ 200,000 | $ 66,666 | $ 55,000 |
| Eastland, Texas | 3 | $ 156,000 | $ 52,000 | $ 43,000 |
| Nueces, Texas | 3 | $ 511,000 | $ 170,333 | $ 87,000 |
| San Jacinto, Texas | 3 | $ 252,000 | $ 84,000 | $ 85,000 |
| Tom Green, Texas | 3 | $ 289,000 | $ 96,333 | $ 59,000 |
| Waller, Texas | 3 | $ 190,000 | $ 63,333 | $ 37,000 |
| Pinellas, Florida | 2 | $ 330,000 | $ 165,000 | $ 105,000 |
| Bandera, Texas | 2 | $ 248,000 | $ 124,000 | $ 175,000 |
| Bastrop, Texas | 2 | $ 215,000 | $ 107,500 | $ 49,000 |
| Bowie, Texas | 2 | $ 175,000 | $ 87,500 | $ 72,000 |
| Clay, Texas | 2 | $ 177,000 | $ 88,500 | $ 42,000 |
| Comal, Texas | 2 | $ 220,000 | $ 110,000 | $ 51,000 |
| Comanche, Texas | 2 | $ 450,000 | $ 225,000 | $ 180,000 |
| Falls, Texas | 2 | $ 79,000 | $ 39,500 | $ 45,000 |
| Guadalupe, Texas | 2 | $ 156,000 | $ 78,000 | $ 112,000 |
| Howard, Texas | 2 | $ 148,000 | $ 74,000 | $ 0 |
| Jack, Texas | 2 | $ 165,000 | $ 82,500 | $ 46,000 |
| Lavaca, Texas | 2 | $ 223,000 | $ 111,500 | $ 85,000 |
| Leon, Texas | 2 | $ 118,000 | $ 59,000 | $ 64,000 |
| Limestone, Texas | 2 | $ 150,000 | $ 75,000 | $ 64,000 |
| Llano, Texas | 2 | $ 222,000 | $ 111,000 | $ 71,000 |
| Morris, Texas | 2 | $ 135,000 | $ 67,500 | $ 51,000 |
| Nacogdoches, Texas | 2 | $ 141,000 | $ 70,500 | $ 96,000 |
| Nolan, Texas | 2 | $ 101,000 | $ 50,500 | $ 62,000 |
| Orange, Texas | 2 | $ 174,000 | $ 87,000 | $ 57,000 |
| Panola, Texas | 2 | $ 244,000 | $ 122,000 | $ 83,000 |
| Potter, Texas | 2 | $ 255,000 | $ 127,500 | $ 54,000 |
| Red River, Texas | 2 | $ 154,000 | $ 77,000 | $ 34,000 |
| San Patricio, Texas | 2 | $ 154,000 | $ 77,000 | $ 60,000 |
| Stephens, Texas | 2 | $ 64,000 | $ 32,000 | $ 34,000 |
| Val Verde, Texas | 2 | $ 308,000 | $ 154,000 | $ 107,000 |
| Victoria, Texas | 2 | $ 162,000 | $ 81,000 | $ 62,000 |
| Lee, Florida | 1 | $ 448,000 | $ 448,000 | $ 0 |
| Okaloosa, Florida | 1 | $ 90,000 | $ 90,000 | $ 94,000 |
| Oakland, Michigan | 1 | $ 180,000 | $ 180,000 | $ 54,000 |
| Angelina, Texas | 1 | $ 225,000 | $ 225,000 | $ 82,000 |
| Atascosa, Texas | 1 | $ 114,000 | $ 114,000 | $ 82,000 |
| Caldwell, Texas | 1 | $ 76,000 | $ 76,000 | $ 84,000 |
| Cass, Texas | 1 | $ 60,000 | $ 60,000 | $ 38,000 |
| Chambers, Texas | 1 | $ 81,000 | $ 81,000 | $ 37,000 |
| Colorado, Texas | 1 | $ 60,000 | $ 60,000 | $ 57,000 |
| Coryell, Texas | 1 | $ 177,000 | $ 177,000 | $ 69,000 |
| Dawson, Texas | 1 | $ 60,000 | $ 60,000 | $ 65,000 |
| Ector, Texas | 1 | $ 171,000 | $ 171,000 | $ 73,000 |
| Gray, Texas | 1 | $ 50,000 | $ 50,000 | $ 43,000 |
| Grimes, Texas | 1 | $ 122,000 | $ 122,000 | $ 69,000 |
| Hamilton, Texas | 1 | $ 172,000 | $ 172,000 | $ 59,000 |
| Hardin, Texas | 1 | $ 141,000 | $ 141,000 | $ 91,000 |
| Harrison, Texas | 1 | $ 175,000 | $ 175,000 | $ 54,000 |
| Houston, Texas | 1 | $ 176,000 | $ 176,000 | $ 137,000 |
| Hutchinson, Texas | 1 | $ 80,000 | $ 80,000 | $ 56,000 |
| Jackson, Texas | 1 | $ 55,000 | $ 55,000 | $ 38,000 |
| Midland, Texas | 1 | $ 91,000 | $ 91,000 | $ 40,000 |
| Milam, Texas | 1 | $ 52,000 | $ 52,000 | $ 58,000 |
| Moore, Texas | 1 | $ 62,000 | $ 62,000 | $ 49,000 |
| Polk, Texas | 1 | $ 106,000 | $ 106,000 | $ 74,000 |
| Robertson, Texas | 1 | $ 60,000 | $ 60,000 | $ 41,000 |
| San Saba, Texas | 1 | $ 53,000 | $ 53,000 | $ 70,000 |
| Shackelford, Texas | 1 | $ 56,000 | $ 56,000 | $ 89,000 |
| Trinity, Texas | 1 | $ 182,000 | $ 182,000 | $ 110,000 |
| Uvalde, Texas | 1 | $ 174,000 | $ 174,000 | $ 64,000 |
| Walker, Texas | 1 | $ 139,000 | $ 139,000 | $ 66,000 |
| Wharton, Texas | 1 | $ 75,000 | $ 75,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for Aspire Financial Inc in 2006
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 4,384 | $442,295,000 | $100,000 | $810,000 | $79,000 | $1,756,000 |
| Refinancing | 2,056 | $300,505,000 | $146,000 | $1,350,000 | $91,000 | $941,000 |
| Home Improvement | 5 | $544,000 | $108,000 | $165,000 | $162,000 | $270,000 |
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 | 4,719 | $554,351,000 | $117,000 | $1,350,000 | $86,000 | $941,000 |
| Black or African American | 764 | $84,300,000 | $110,000 | $604,000 | $73,000 | $734,000 |
| Hispanic | 537 | $54,761,000 | $101,000 | $765,000 | $71,000 | $717,000 |
| Not Provided | 295 | $35,010,000 | $118,000 | $698,000 | $98,000 | $1,756,000 |
| Asian | 84 | $10,044,000 | $119,000 | $356,000 | $87,000 | $202,000 |
| American Indian or Alaskan Native | 32 | $3,666,000 | $114,000 | $273,000 | $76,000 | $165,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $1,212,000 | $86,000 | $138,000 | $40,000 | $68,000 |
| 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) | 5,800 | $661,993,000 | $114,000 | $1,350,000 | $86,000 | $1,756,000 |
| FHA-insured (Federal Housing Administration) | 541 | $65,576,000 | $121,000 | $278,000 | $61,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 101 | $15,672,000 | $155,000 | $376,000 | $74,000 | $240,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $103,000 | $34,000 | $50,000 | $50,000 | $80,000 |
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 | 4,542 | $533,544,000 | $117,000 | $1,350,000 | $87,000 | $1,756,000 |
| Application Withdrawn By Applicant | 1,571 | $169,560,000 | $107,000 | $640,000 | $75,000 | $1,080,000 |
| Application Denied By Financial Institution | 332 | $40,240,000 | $121,000 | $1,313,000 | $76,000 | $896,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 130 | $14,252,000 | $109,000 | $525,000 | $66,000 | $274,000 |
| Collateral | 90 | $10,660,000 | $118,000 | $698,000 | $82,000 | $500,000 |
| Other | 43 | $5,446,000 | $126,000 | $384,000 | $96,000 | $896,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 27 | $3,168,000 | $117,000 | $324,000 | $76,000 | $144,000 |
| Debt-To-Income Ratio | 23 | $2,958,000 | $128,000 | $240,000 | $68,000 | $291,000 |
| Employment History | 10 | $854,000 | $85,000 | $160,000 | $48,000 | $89,000 |
| Unverifiable Information | 9 | $2,902,000 | $322,000 | $1,313,000 | $124,000 | $401,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Aspire Financial Inc's 2006 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 Aspire Financial Inc'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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