Aspire Financial Inc Mortgage Lending & HMDA Data, 2010

In 2010, Aspire Financial Inc of Dallas, TX reported 5,613 mortgage applications totaling $940.6 million, down 1% from 2009. The average application was for $167,572, and applicants reported an average income of $95,323. 59% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Dallas-Plano-Irving, TX (2,154), Fort Worth-Arlington, TX (1,217) and Houston-Sugar Land-Baytown, TX (511) (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 5,613
Total Mortgage Loan Application Amount $940,582,000
Average Mortgage Loan Application Amount $167,572
Highest Mortgage Loan Application Amount $1,500,000
Average Applicant Income $95,323
Highest Applicant Income $2,000,000

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Act (HMDA) records Aspire Financial Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Aspire Financial Inc by County in 2010

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Tarrant, Texas 974 $ 156,479,000 $ 160,656 $ 94,000
Dallas, Texas 724 $ 116,450,000 $ 160,842 $ 95,000
Collin, Texas 591 $ 117,203,000 $ 198,313 $ 113,000
Denton, Texas 555 $ 103,549,000 $ 186,574 $ 104,000
Harris, Texas 267 $ 47,779,000 $ 178,947 $ 109,000
Parker, Texas 99 $ 16,755,000 $ 169,242 $ 95,000
Travis, Texas 99 $ 21,064,000 $ 212,767 $ 107,000
Ellis, Texas 97 $ 16,110,000 $ 166,082 $ 94,000
Johnson, Texas 97 $ 14,265,000 $ 147,061 $ 84,000
Rockwall, Texas 88 $ 16,884,000 $ 191,863 $ 110,000
Montgomery, Texas 78 $ 14,991,000 $ 192,192 $ 106,000
Fort Bend, Texas 77 $ 14,399,000 $ 187,000 $ 112,000
Kaufman, Texas 64 $ 8,641,000 $ 135,015 $ 77,000
Bexar, Texas 60 $ 8,971,000 $ 149,516 $ 70,000
Williamson, Texas 56 $ 10,900,000 $ 194,642 $ 99,000
Wise, Texas 47 $ 7,505,000 $ 159,680 $ 102,000
Galveston, Texas 39 $ 6,192,000 $ 158,769 $ 107,000
Hood, Texas 39 $ 8,637,000 $ 221,461 $ 134,000
Brazoria, Texas 35 $ 5,494,000 $ 156,971 $ 84,000
Hunt, Texas 34 $ 5,556,000 $ 163,411 $ 79,000
Henderson, Texas 27 $ 4,734,000 $ 175,333 $ 127,000
Grayson, Texas 25 $ 4,376,000 $ 175,040 $ 92,000
Johnson, Kansas 19 $ 4,850,000 $ 255,263 $ 112,000
Bell, Texas 19 $ 2,486,000 $ 130,842 $ 66,000
McLennan, Texas 18 $ 2,906,000 $ 161,444 $ 79,000
Cooke, Texas 17 $ 3,199,000 $ 188,176 $ 100,000
Smith, Texas 17 $ 2,587,000 $ 152,176 $ 104,000
Van Zandt, Texas 16 $ 2,239,000 $ 139,937 $ 86,000
El Paso, Texas 14 $ 1,580,000 $ 112,857 $ 102,000
Erath, Texas 14 $ 1,768,000 $ 126,285 $ 98,000
Anderson, Texas 13 $ 1,729,000 $ 133,000 $ 72,000
Brazos, Texas 13 $ 1,686,000 $ 129,692 $ 79,000
Hays, Texas 13 $ 2,698,000 $ 207,538 $ 99,000
Nueces, Texas 13 $ 1,717,000 $ 132,076 $ 88,000
Wood, Texas 13 $ 1,430,000 $ 110,000 $ 84,000
Jackson, Missouri 12 $ 1,459,000 $ 121,583 $ 48,000
Hidalgo, Texas 12 $ 1,582,000 $ 131,833 $ 69,000
Gregg, Texas 9 $ 1,199,000 $ 133,222 $ 66,000
Navarro, Texas 9 $ 1,531,000 $ 170,111 $ 99,000
Jefferson, Texas 8 $ 1,183,000 $ 147,875 $ 89,000
Taylor, Texas 8 $ 837,000 $ 104,625 $ 112,000
Nacogdoches, Texas 7 $ 1,460,000 $ 208,571 $ 86,000
Palo Pinto, Texas 7 $ 1,033,000 $ 147,571 $ 88,000
Bastrop, Texas 6 $ 829,000 $ 138,166 $ 82,000
Fannin, Texas 6 $ 742,000 $ 123,666 $ 85,000
Fayette, Texas 6 $ 1,599,000 $ 266,500 $ 133,000
Freestone, Texas 6 $ 1,398,000 $ 233,000 $ 108,000
Hill, Texas 6 $ 1,114,000 $ 185,666 $ 90,000
Llano, Texas 6 $ 900,000 $ 150,000 $ 97,000
Tom Green, Texas 6 $ 943,000 $ 157,166 $ 64,000
Sedgwick, Kansas 5 $ 890,000 $ 178,000 $ 84,000
Clay, Missouri 5 $ 724,000 $ 144,800 $ 72,000
Cameron, Texas 5 $ 566,000 $ 113,200 $ 70,000
Comal, Texas 5 $ 1,088,000 $ 217,600 $ 79,000
Coryell, Texas 5 $ 783,000 $ 156,600 $ 124,000
Houston, Texas 5 $ 714,000 $ 142,800 $ 76,000
Lubbock, Texas 5 $ 649,000 $ 129,800 $ 64,000
Midland, Texas 5 $ 796,000 $ 159,200 $ 101,000
Red River, Texas 5 $ 721,000 $ 144,200 $ 60,000
Victoria, Texas 5 $ 855,000 $ 171,000 $ 81,000
Wichita, Texas 5 $ 595,000 $ 119,000 $ 140,000
Oklahoma, Oklahoma 4 $ 699,000 $ 174,750 $ 60,000
Angelina, Texas 4 $ 468,000 $ 117,000 $ 74,000
Chambers, Texas 4 $ 801,000 $ 200,250 $ 120,000
Ector, Texas 4 $ 547,000 $ 136,750 $ 165,000
Franklin, Texas 4 $ 630,000 $ 157,500 $ 147,000
Guadalupe, Texas 4 $ 523,000 $ 130,750 $ 82,000
Kendall, Texas 4 $ 1,221,000 $ 305,250 $ 127,000
Lampasas, Texas 4 $ 691,000 $ 172,750 $ 133,000
Liberty, Texas 4 $ 413,000 $ 103,250 $ 59,000
Rains, Texas 4 $ 364,000 $ 91,000 $ 69,000
Randall, Texas 4 $ 670,000 $ 167,500 $ 537,000
Somervell, Texas 4 $ 972,000 $ 243,000 $ 91,000
Walker, Texas 4 $ 464,000 $ 116,000 $ 55,000
Webb, Texas 4 $ 456,000 $ 114,000 $ 57,000
Leavenworth, Kansas 3 $ 414,000 $ 138,000 $ 83,000
Platte, Missouri 3 $ 572,000 $ 190,666 $ 100,000
Austin, Texas 3 $ 563,000 $ 187,666 $ 56,000
Brown, Texas 3 $ 603,000 $ 201,000 $ 153,000
Cass, Texas 3 $ 404,000 $ 134,666 $ 87,000
Comanche, Texas 3 $ 313,000 $ 104,333 $ 60,000
Eastland, Texas 3 $ 355,000 $ 118,333 $ 97,000
Falls, Texas 3 $ 319,000 $ 106,333 $ 84,000
Grimes, Texas 3 $ 375,000 $ 125,000 $ 45,000
Hopkins, Texas 3 $ 229,000 $ 76,333 $ 48,000
Howard, Texas 3 $ 250,000 $ 83,333 $ 56,000
Lamar, Texas 3 $ 305,000 $ 101,666 $ 62,000
Leon, Texas 3 $ 536,000 $ 178,666 $ 99,000
Limestone, Texas 3 $ 259,000 $ 86,333 $ 96,000
Matagorda, Texas 3 $ 382,000 $ 127,333 $ 56,000
Montague, Texas 3 $ 418,000 $ 139,333 $ 93,000
Rusk, Texas 3 $ 514,000 $ 171,333 $ 65,000
San Patricio, Texas 3 $ 414,000 $ 138,000 $ 99,000
Upshur, Texas 3 $ 361,000 $ 120,333 $ 91,000
Waller, Texas 3 $ 603,000 $ 201,000 $ 124,000
Wharton, Texas 3 $ 297,000 $ 99,000 $ 56,000
Palm Beach, Florida 2 $ 326,000 $ 163,000 $ 99,000
Butler, Kansas 2 $ 332,000 $ 166,000 $ 71,000
Shawnee, Kansas 2 $ 396,000 $ 198,000 $ 67,000
Christian, Missouri 2 $ 220,000 $ 110,000 $ 51,000
Aransas, Texas 2 $ 261,000 $ 130,500 $ 46,000
Archer, Texas 2 $ 250,000 $ 125,000 $ 87,000
Blanco, Texas 2 $ 444,000 $ 222,000 $ 87,000
Bosque, Texas 2 $ 216,000 $ 108,000 $ 73,000
Calhoun, Texas 2 $ 218,000 $ 109,000 $ 42,000
Camp, Texas 2 $ 316,000 $ 158,000 $ 75,000
Cherokee, Texas 2 $ 367,000 $ 183,500 $ 124,000
Gillespie, Texas 2 $ 292,000 $ 146,000 $ 40,000
Hardin, Texas 2 $ 289,000 $ 144,500 $ 90,000
McCulloch, Texas 2 $ 268,000 $ 134,000 $ 65,000
Medina, Texas 2 $ 447,000 $ 223,500 $ 97,000
Robertson, Texas 2 $ 362,000 $ 181,000 $ 92,000
Stephens, Texas 2 $ 181,000 $ 90,500 $ 184,000
Val Verde, Texas 2 $ 226,000 $ 113,000 $ 65,000
Wilson, Texas 2 $ 374,000 $ 187,000 $ 105,000
Brevard, Florida 1 $ 65,000 $ 65,000 $ 21,000
Miami-Dade, Florida 1 $ 417,000 $ 417,000 $ 110,000
Walton, Florida 1 $ 116,000 $ 116,000 $ 46,000
Bourbon, Kansas 1 $ 62,000 $ 62,000 $ 51,000
Cherokee, Kansas 1 $ 117,000 $ 117,000 $ 52,000
Cowley, Kansas 1 $ 162,000 $ 162,000 $ 88,000
Douglas, Kansas 1 $ 164,000 $ 164,000 $ 76,000
Jefferson, Kansas 1 $ 122,000 $ 122,000 $ 80,000
Reno, Kansas 1 $ 64,000 $ 64,000 $ 29,000
Riley, Kansas 1 $ 165,000 $ 165,000 $ 73,000
Sherman, Kansas 1 $ 136,000 $ 136,000 $ 126,000
Sumner, Kansas 1 $ 128,000 $ 128,000 $ 80,000
Wyandotte, Kansas 1 $ 169,000 $ 169,000 $ 45,000
Genesee, Michigan 1 $ 120,000 $ 120,000 $ 250,000
Barry, Missouri 1 $ 137,000 $ 137,000 $ 70,000
Benton, Missouri 1 $ 72,000 $ 72,000 $ 47,000
Camden, Missouri 1 $ 242,000 $ 242,000 $ 129,000
Jefferson, Missouri 1 $ 131,000 $ 131,000 $ 166,000
Lawrence, Missouri 1 $ 106,000 $ 106,000 $ 100,000
McDonald, Missouri 1 $ 132,000 $ 132,000 $ 40,000
Newton, Missouri 1 $ 157,000 $ 157,000 $ 63,000
St. Charles, Missouri 1 $ 193,000 $ 193,000 $ 91,000
St. Francois, Missouri 1 $ 161,000 $ 161,000 $ 500,000
St. Louis, Missouri 1 $ 145,000 $ 145,000 $ 54,000
Texas, Missouri 1 $ 200,000 $ 200,000 $ 65,000
Atoka, Oklahoma 1 $ 220,000 $ 220,000 $ 298,000
Cleveland, Oklahoma 1 $ 193,000 $ 193,000 $ 96,000
Marshall, Oklahoma 1 $ 61,000 $ 61,000 $ 176,000
Tulsa, Oklahoma 1 $ 173,000 $ 173,000 $ 48,000
Bandera, Texas 1 $ 155,000 $ 155,000 $ 154,000
Bowie, Texas 1 $ 152,000 $ 152,000 $ 90,000
Burleson, Texas 1 $ 184,000 $ 184,000 $ 64,000
Callahan, Texas 1 $ 232,000 $ 232,000 $ 110,000
Castro, Texas 1 $ 82,000 $ 82,000 $ 36,000
Colorado, Texas 1 $ 75,000 $ 75,000 $ 98,000
Concho, Texas 1 $ 44,000 $ 44,000 $ 43,000
Cottle, Texas 1 $ 100,000 $ 100,000 $ 67,000
Crockett, Texas 1 $ 148,000 $ 148,000 $ 78,000
Crosby, Texas 1 $ 135,000 $ 135,000 $ 27,000
Delta, Texas 1 $ 72,000 $ 72,000 $ 72,000
DeWitt, Texas 1 $ 135,000 $ 135,000 $ 25,000
Donley, Texas 1 $ 32,000 $ 32,000 $ 24,000
Fisher, Texas 1 $ 152,000 $ 152,000 $ 113,000
Floyd, Texas 1 $ 58,000 $ 58,000 $ 33,000
Gaines, Texas 1 $ 128,000 $ 128,000 $ 44,000
Gonzales, Texas 1 $ 57,000 $ 57,000 $ 48,000
Hale, Texas 1 $ 83,000 $ 83,000 $ 41,000
Hamilton, Texas 1 $ 124,000 $ 124,000 $ 64,000
Harrison, Texas 1 $ 97,000 $ 97,000 $ 50,000
Haskell, Texas 1 $ 102,000 $ 102,000 $ 100,000
Jim Hogg, Texas 1 $ 33,000 $ 33,000 $ 27,000
Jones, Texas 1 $ 74,000 $ 74,000 $ 49,000
Kinney, Texas 1 $ 32,000 $ 32,000 $ 43,000
Kleberg, Texas 1 $ 77,000 $ 77,000 $ 34,000
Lavaca, Texas 1 $ 57,000 $ 57,000 $ 33,000
Lee, Texas 1 $ 225,000 $ 225,000 $ 65,000
Milam, Texas 1 $ 68,000 $ 68,000 $ 55,000
Mitchell, Texas 1 $ 82,000 $ 82,000 $ 69,000
Newton, Texas 1 $ 100,000 $ 100,000 $ 55,000
Orange, Texas 1 $ 170,000 $ 170,000 $ 172,000
Parmer, Texas 1 $ 121,000 $ 121,000 $ 71,000
Pecos, Texas 1 $ 57,000 $ 57,000 $ 75,000
Polk, Texas 1 $ 100,000 $ 100,000 $ 38,000
Potter, Texas 1 $ 178,000 $ 178,000 $ 102,000
Runnels, Texas 1 $ 135,000 $ 135,000 $ 42,000
San Jacinto, Texas 1 $ 61,000 $ 61,000 $ 80,000
Scurry, Texas 1 $ 126,000 $ 126,000 $ 62,000
Shackelford, Texas 1 $ 211,000 $ 211,000 $ 84,000
Starr, Texas 1 $ 52,000 $ 52,000 $ 55,000
Throckmorton, Texas 1 $ 206,000 $ 206,000 $ 125,000
Tyler, Texas 1 $ 62,000 $ 62,000 $ 60,000
Upton, Texas 1 $ 66,000 $ 66,000 $ 37,000
Winkler, Texas 1 $ 45,000 $ 45,000 $ 40,000
Yoakum, Texas 1 $ 105,000 $ 105,000 $ 142,000
Young, Texas 1 $ 54,000 $ 54,000 $ 29,000

Mortgage Loan Application Detail Totals for Aspire Financial Inc 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 4,163 $725,343,000 $174,000 $1,500,000 $101,000 $2,000,000
Home Purchase 1,446 $214,615,000 $148,000 $900,000 $79,000 $840,000
Home Improvement 4 $624,000 $156,000 $294,000 $89,000 $180,000

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 4,331 $740,753,000 $171,000 $975,000 $99,000 $2,000,000
Not Provided 540 $92,725,000 $171,000 $648,000 $98,000 $795,000
Hispanic 386 $54,094,000 $140,000 $694,000 $71,000 $360,000
Black or African American 221 $31,716,000 $143,000 $417,000 $70,000 $222,000
Asian 92 $15,452,000 $167,000 $1,500,000 $90,000 $749,000
American Indian or Alaskan Native 30 $4,063,000 $135,000 $263,000 $75,000 $137,000
Native Hawaiian or Other Pacific Islander 13 $1,779,000 $136,000 $258,000 $86,000 $308,000
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) 3,615 $642,521,000 $177,000 $1,500,000 $108,000 $2,000,000
FHA-insured (Federal Housing Administration) 1,822 $268,873,000 $147,000 $338,000 $74,000 $450,000
VA-guaranteed (Veterans Administration) 166 $27,904,000 $168,000 $379,000 $70,000 $1,860,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 10 $1,284,000 $128,000 $277,000 $48,000 $95,000

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 3,299 $566,863,000 $171,000 $975,000 $101,000 $900,000
Application Denied By Financial Institution 1,149 $184,279,000 $160,000 $1,500,000 $84,000 $2,000,000
Application Withdrawn By Applicant 1,074 $173,575,000 $161,000 $691,000 $91,000 $1,860,000
Application Approved But Not Accepted 91 $15,865,000 $174,000 $554,000 $94,000 $450,000
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
Collateral 412 $75,945,000 $184,000 $1,500,000 $100,000 $749,000
Credit History 287 $36,918,000 $128,000 $405,000 $69,000 $494,000
Other 173 $28,437,000 $164,000 $900,000 $87,000 $2,000,000
Debt-To-Income Ratio 159 $24,584,000 $154,000 $477,000 $62,000 $290,000
Employment History 25 $3,838,000 $153,000 $290,000 $76,000 $218,000
Insufficient Cash (Downpayment, Closing Cost) 21 $3,005,000 $143,000 $336,000 $79,000 $198,000
Unverifiable Information 18 $2,516,000 $139,000 $260,000 $81,000 $249,000
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 Aspire Financial Inc'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 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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