Aspire Financial, Inc. Mortgage Lending & HMDA Data, 2016
In 2016, Aspire Financial, Inc. of Dallas, TX reported 6,739 mortgage applications totaling $1.3 billion, up 5% from 2015. The average application was for $197,129, and applicants reported an average income of $101,418. 42% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Dallas-Plano-Irving, TX (2,842), Fort Worth-Arlington, TX (1,481) and Houston-The Woodlands-Sugar Land, TX (444) (applications in parentheses).
| Mortgage Company & Address | Aspire Financial, Inc. 4100 Alpha Road Suite 400 Dallas, TX 75244 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 6,739 |
| Total Mortgage Loan Application Amount | $1,328,457,000 |
| Average Mortgage Loan Application Amount | $197,129 |
| Highest Mortgage Loan Application Amount | $65,649,000 |
| Average Applicant Income | $101,418 |
| Highest Applicant Income | $6,417,000 |
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(HMDA) records Aspire Financial, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dallas-Plano-Irving, TX | 2,842 | $ 631,499,000 | $ 222,202 | $ 115,000 |
| Fort Worth-Arlington, TX | 1,481 | $ 257,856,000 | $ 174,109 | $ 101,000 |
| Houston-The Woodlands-Sugar Land, TX | 444 | $ 90,122,000 | $ 202,977 | $ 116,000 |
| Muskegon, MI | 226 | $ 28,336,000 | $ 125,380 | $ 59,000 |
| San Antonio-New Braunfels, TX | 179 | $ 31,457,000 | $ 175,737 | $ 77,000 |
| Indianapolis-Carmel-Anderson, IN | 134 | $ 18,338,000 | $ 136,850 | $ 55,000 |
| Grand Rapids-Wyoming, MI | 129 | $ 20,330,000 | $ 157,596 | $ 70,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 93 | $ 18,608,000 | $ 200,086 | $ 80,000 |
| Austin-Round Rock, TX | 83 | $ 20,816,000 | $ 250,795 | $ 129,000 |
| Jackson, MS | 78 | $ 14,364,000 | $ 184,153 | $ 59,000 |
| Riverside-San Bernardino-Ontario, CA | 72 | $ 19,077,000 | $ 264,958 | $ 91,000 |
| Cape Girardeau, MO-IL | 42 | $ 4,948,000 | $ 117,809 | $ 49,000 |
| Columbia, SC | 40 | $ 6,299,000 | $ 157,475 | $ 61,000 |
| Sherman-Denison, TX | 38 | $ 6,955,000 | $ 183,026 | $ 106,000 |
| San Diego-Carlsbad, CA | 34 | $ 11,784,000 | $ 346,588 | $ 110,000 |
| Santa Cruz-Watsonville, CA | 34 | $ 15,007,000 | $ 441,382 | $ 118,000 |
| Cape Coral-Fort Myers, FL | 33 | $ 5,296,000 | $ 160,484 | $ 72,000 |
| Fresno, CA | 26 | $ 4,998,000 | $ 192,230 | $ 53,000 |
| Killeen-Temple, TX | 25 | $ 3,637,000 | $ 145,480 | $ 88,000 |
| Victoria, TX | 20 | $ 2,873,000 | $ 143,650 | $ 83,000 |
| College Station-Bryan, TX | 17 | $ 2,592,000 | $ 152,470 | $ 84,000 |
| Waco, TX | 17 | $ 2,053,000 | $ 120,764 | $ 77,000 |
| Tyler, TX | 16 | $ 2,780,000 | $ 173,750 | $ 100,000 |
| Beaumont-Port Arthur, TX | 15 | $ 1,918,000 | $ 127,866 | $ 70,000 |
| Corpus Christi, TX | 15 | $ 2,248,000 | $ 149,866 | $ 82,000 |
| Los Angeles-Long Beach-Glendale, CA | 14 | $ 6,186,000 | $ 441,857 | $ 210,000 |
| Lubbock, TX | 12 | $ 3,274,000 | $ 272,833 | $ 125,000 |
| El Paso, TX | 11 | $ 1,037,000 | $ 94,272 | $ 69,000 |
| Longview, TX | 10 | $ 1,219,000 | $ 121,900 | $ 62,000 |
| McAllen-Edinburg-Mission, TX | 10 | $ 815,000 | $ 81,500 | $ 64,000 |
| Midland, TX | 10 | $ 2,502,000 | $ 250,200 | $ 133,000 |
| Abilene, TX | 7 | $ 985,000 | $ 140,714 | $ 99,000 |
| Cincinnati, OH-KY-IN | 7 | $ 1,817,000 | $ 259,571 | $ 133,285 |
| Laredo, TX | 7 | $ 854,000 | $ 122,000 | $ 71,000 |
| Salinas, CA | 7 | $ 3,193,000 | $ 456,142 | $ 150,000 |
| Wichita Falls, TX | 7 | $ 1,195,000 | $ 170,714 | $ 163,000 |
| Amarillo, TX | 6 | $ 552,000 | $ 92,000 | $ 83,000 |
| Odessa, TX | 6 | $ 730,000 | $ 121,666 | $ 68,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 6 | $ 1,658,000 | $ 276,333 | $ 110,000 |
| Florence, SC | 5 | $ 810,000 | $ 162,000 | $ 48,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 5 | $ 2,805,000 | $ 561,000 | $ 139,000 |
| Visalia-Porterville, CA | 5 | $ 742,000 | $ 148,400 | $ 47,000 |
| Oakland-Hayward-Berkeley, CA | 4 | $ 2,232,000 | $ 558,000 | $ 146,000 |
| Oklahoma City, OK | 4 | $ 562,000 | $ 140,500 | $ 81,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 1,050,000 | $ 262,500 | $ 100,000 |
| San Angelo, TX | 4 | $ 434,000 | $ 108,500 | $ 58,000 |
| Texarkana, TX-AR | 4 | $ 544,000 | $ 136,000 | $ 58,000 |
| Bakersfield, CA | 3 | $ 970,000 | $ 323,333 | $ 204,000 |
| Brownsville-Harlingen, TX | 3 | $ 448,000 | $ 149,333 | $ 70,000 |
| Madera, CA | 3 | $ 492,000 | $ 164,000 | $ 14,000 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 598,000 | $ 299,000 | $ 68,000 |
| Hattiesburg, MS | 2 | $ 262,000 | $ 131,000 | $ 40,000 |
| Jacksonville, FL | 2 | $ 415,000 | $ 207,500 | $ 61,000 |
| Kalamazoo-Portage, MI | 2 | $ 217,000 | $ 108,500 | $ 26,000 |
| Sumter, SC | 2 | $ 231,000 | $ 115,500 | $ 53,000 |
| Tulsa, OK | 2 | $ 666,000 | $ 333,000 | $ 205,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 168,000 | $ 168,000 | $ 52,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 129,000 | $ 129,000 | $ 49,000 |
| Clarksville, TN-KY | 1 | $ 74,000 | $ 74,000 | $ 33,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 376,000 | $ 376,000 | $ 170,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 165,000 | $ 165,000 | $ 51,000 |
| El Centro, CA | 1 | $ 209,000 | $ 209,000 | $ 77,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 153,000 | $ 153,000 | $ 77,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 55,000 | $ 55,000 | $ 33,000 |
| Homosassa Springs, FL | 1 | $ 231,000 | $ 231,000 | $ 86,000 |
| Houma-Thibodaux, LA | 1 | $ 232,000 | $ 232,000 | $ 176,000 |
| Joplin, MO | 1 | $ 44,000 | $ 44,000 | $ 94,000 |
| Lafayette, LA | 1 | $ 150,000 | $ 150,000 | $ 65,000 |
| Lafayette-West Lafayette, IN | 1 | $ 142,000 | $ 142,000 | $ 38,000 |
| Memphis, TN-MS-AR | 1 | $ 155,000 | $ 155,000 | $ 83,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 191,000 | $ 191,000 | $ 108,000 |
| Modesto, CA | 1 | $ 320,000 | $ 320,000 | $ 90,000 |
| Monroe, LA | 1 | $ 277,000 | $ 277,000 | $ 121,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 127,000 | $ 127,000 | $ 130,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 200,000 | $ 200,000 | $ 70,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 636,000 | $ 636,000 | $ 0 |
| St. Louis, MO-IL | 1 | $ 80,000 | $ 80,000 | $ 66,000 |
| Stockton-Lodi, CA | 1 | $ 236,000 | $ 236,000 | $ 73,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 351,000 | $ 351,000 | $ 195,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 237,000 | $ 237,000 | $ 93,000 |
| Yakima, WA | 1 | $ 178,000 | $ 178,000 | $ 20,000 |
| Yuba City, CA | 1 | $ 169,000 | $ 169,000 | $ 135,000 |
Mortgage Loan Application Detail Totals for Aspire Financial, Inc. in 2016
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 | 4,811 | $957,638,000 | $199,000 | $65,649,000 | $108,000 | $6,417,000 |
| Home Purchase | 1,927 | $370,504,000 | $192,000 | $1,180,000 | $85,000 | $1,351,000 |
| Home Improvement | 1 | $315,000 | $315,000 | $315,000 | $74,000 | $74,000 |
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 | 4,682 | $958,895,000 | $204,000 | $65,649,000 | $103,000 | $1,992,000 |
| Not Provided | 761 | $140,760,000 | $184,000 | $910,000 | $111,000 | $3,600,000 |
| Hispanic | 655 | $107,637,000 | $164,000 | $760,000 | $81,000 | $466,000 |
| Black or African American | 473 | $87,485,000 | $184,000 | $761,000 | $102,000 | $6,417,000 |
| Asian | 122 | $26,174,000 | $214,000 | $565,000 | $100,000 | $416,000 |
| American Indian or Alaskan Native | 33 | $5,049,000 | $153,000 | $259,000 | $85,000 | $208,000 |
| Native Hawaiin or Other Pacific Islander | 13 | $2,457,000 | $189,000 | $370,000 | $85,000 | $201,000 |
| 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) | 5,157 | $1,056,547,000 | $204,000 | $65,649,000 | $112,000 | $6,417,000 |
| FHA-insured (Federal Housing Administration) | 1,163 | $192,430,000 | $165,000 | $636,000 | $69,000 | $1,351,000 |
| VA-guaranteed (Veterans Administration) | 274 | $58,471,000 | $213,000 | $521,000 | $75,000 | $468,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 145 | $21,009,000 | $144,000 | $599,000 | $51,000 | $141,000 |
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 | 2,817 | $540,675,000 | $191,000 | $1,200,000 | $97,000 | $1,353,000 |
| File Closed For Incompleteness | 1,546 | $342,106,000 | $221,000 | $65,649,000 | $107,000 | $3,600,000 |
| Application Withdrawn By Applicant | 1,468 | $281,424,000 | $191,000 | $960,000 | $114,000 | $6,417,000 |
| Application Denied By Financial Institution | 698 | $122,170,000 | $175,000 | $1,180,000 | $87,000 | $1,381,000 |
| Application Approved But Not Accepted | 206 | $41,336,000 | $200,000 | $800,000 | $100,000 | $704,000 |
| Preapproval Approved but not Accepted | 4 | $746,000 | $186,000 | $275,000 | $65,000 | $79,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 206 | $33,508,000 | $162,000 | $840,000 | $96,000 | $1,381,000 |
| Debt-To-Income Ratio | 146 | $29,318,000 | $200,000 | $625,000 | $74,000 | $769,000 |
| Collateral | 76 | $12,781,000 | $168,000 | $1,180,000 | $98,000 | $996,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 32 | $5,315,000 | $166,000 | $417,000 | $74,000 | $286,000 |
| Other | 27 | $3,993,000 | $147,000 | $330,000 | $102,000 | $310,000 |
| Unverifiable Information | 21 | $4,041,000 | $192,000 | $355,000 | $113,000 | $843,000 |
| Employment History | 9 | $1,841,000 | $204,000 | $500,000 | $130,000 | $612,000 |
| Credit Application Incomplete | 5 | $1,468,000 | $293,000 | $417,000 | $167,000 | $277,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Aspire Financial, Inc.'s 2016 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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