Inspire Home Loans Inc. Mortgage Lending & HMDA Data, 2025

In 2025, Inspire Home Loans Inc. of Newport Beach, CA reported 9,059 mortgage applications totaling $3.2 billion, down 10% from 2024. The average application was for $354,169, and applicants reported an average income of $122,137. 73% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (760), Phoenix-Mesa-Scottsdale, AZ (611) and Atlanta-Sandy Springs-Roswell, GA (475) (applications in parentheses).

Mortgage Company & Address Inspire Home Loans Inc.
4695 Macarthur Court Suite 350
Newport Beach, CA 92660
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  
Total Number of Mortgage Applications 9,059
Total Mortgage Loan Application Amount $3,208,425,000
Average Mortgage Loan Application Amount $354,169
Highest Mortgage Loan Application Amount $1,215,000
Average Applicant Income $122,137
Highest Applicant Income $2,586,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Inspire Home Loans Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Inspire Home Loans Inc. by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Clark, Nevada 456 $ 204,980,000 $ 449,517 $ 152,000
Montgomery, Texas 399 $ 106,645,000 $ 267,280 $ 103,000
Pinal, Arizona 325 $ 96,055,000 $ 295,553 $ 88,000
Bexar, Texas 306 $ 91,980,000 $ 300,588 $ 98,000
Maricopa, Arizona 286 $ 110,120,000 $ 385,034 $ 103,000
Riverside, California 203 $ 101,555,000 $ 500,270 $ 142,000
Mohave, Arizona 197 $ 47,825,000 $ 242,766 $ 101,000
Harris, Texas 162 $ 44,880,000 $ 277,037 $ 117,000
Duval, Florida 154 $ 51,620,000 $ 335,194 $ 118,000
Douglas, Colorado 153 $ 86,675,000 $ 566,503 $ 194,000
Utah, Utah 144 $ 66,230,000 $ 459,930 $ 125,000
Wilson, Tennessee 143 $ 60,875,000 $ 425,699 $ 131,000
Polk, Florida 131 $ 35,935,000 $ 274,312 $ 79,000
Fresno, California 128 $ 52,980,000 $ 413,906 $ 117,000
Bibb, Georgia 119 $ 27,045,000 $ 227,268 $ 83,000
Forsyth, Georgia 118 $ 62,660,000 $ 531,016 $ 167,000
Travis, Texas 111 $ 35,525,000 $ 320,045 $ 101,000
Adams, Colorado 107 $ 55,305,000 $ 516,869 $ 136,000
Weld, Colorado 106 $ 56,600,000 $ 533,962 $ 151,000
Davidson, North Carolina 106 $ 26,760,000 $ 252,452 $ 87,000
Gwinnett, Georgia 103 $ 38,115,000 $ 370,048 $ 126,000
Charlotte, Florida 100 $ 27,370,000 $ 273,700 $ 78,000
Williamson, Texas 99 $ 32,875,000 $ 332,070 $ 160,000
Marion, Florida 98 $ 23,830,000 $ 243,163 $ 81,000
Kitsap, Washington 95 $ 52,055,000 $ 547,947 $ 211,000
Washington, Florida 93 $ 19,055,000 $ 204,892 $ 71,000
Merced, California 91 $ 36,715,000 $ 403,461 $ 195,000
Catawba, North Carolina 89 $ 21,875,000 $ 245,786 $ 133,000
Tulare, California 88 $ 33,380,000 $ 379,318 $ 94,000
Flagler, Florida 87 $ 27,235,000 $ 313,045 $ 150,000
Fort Bend, Texas 87 $ 25,185,000 $ 289,482 $ 113,000
Snohomish, Washington 83 $ 57,275,000 $ 690,060 $ 220,000
Hall, Georgia 82 $ 28,710,000 $ 350,121 $ 146,000
Nassau, Florida 80 $ 27,590,000 $ 344,875 $ 130,000
San Joaquin, California 76 $ 43,660,000 $ 574,473 $ 318,000
Boulder, Colorado 72 $ 48,120,000 $ 668,333 $ 224,000
Citrus, Florida 69 $ 16,475,000 $ 238,768 $ 82,000
Camden, Georgia 69 $ 22,925,000 $ 332,246 $ 106,000
DeKalb, Georgia 69 $ 25,695,000 $ 372,391 $ 130,000
Yavapai, Arizona 68 $ 22,620,000 $ 332,647 $ 123,000
Placer, California 67 $ 32,235,000 $ 481,119 $ 209,000
Houston, Georgia 67 $ 18,085,000 $ 269,925 $ 129,000
Hernando, Florida 64 $ 17,930,000 $ 280,156 $ 83,000
Highlands, Florida 64 $ 15,420,000 $ 240,937 $ 82,000
Lincoln, North Carolina 60 $ 19,740,000 $ 329,000 $ 128,000
Pitt, North Carolina 60 $ 11,870,000 $ 197,833 $ 94,000
Bastrop, Texas 58 $ 17,280,000 $ 297,931 $ 93,000
Cheatham, Tennessee 56 $ 22,160,000 $ 395,714 $ 122,000
Hardin, Kentucky 55 $ 14,375,000 $ 261,363 $ 108,000
Brevard, Florida 54 $ 15,620,000 $ 289,259 $ 86,000
Union, South Carolina 54 $ 12,310,000 $ 227,962 $ 73,000
Lee, Florida 53 $ 15,295,000 $ 288,584 $ 75,000
San Bernardino, California 52 $ 31,680,000 $ 609,230 $ 264,000
Cochise, Arizona 51 $ 11,355,000 $ 222,647 $ 87,000
Los Angeles, California 50 $ 27,350,000 $ 547,000 $ 159,000
Broomfield, Colorado 50 $ 18,810,000 $ 376,200 $ 157,000
Indian River, Florida 50 $ 14,850,000 $ 297,000 $ 84,000
Henry, Georgia 50 $ 22,280,000 $ 445,600 $ 154,000
Ellis, Texas 50 $ 17,660,000 $ 353,200 $ 107,000
Madison, Alabama 49 $ 11,415,000 $ 232,959 $ 88,000
Madera, California 49 $ 18,845,000 $ 384,591 $ 134,000
Pierce, Washington 49 $ 30,415,000 $ 620,714 $ 157,000
Sonoma, California 48 $ 27,980,000 $ 582,916 $ 211,000
Yolo, California 48 $ 23,540,000 $ 490,416 $ 236,000
Union, North Carolina 48 $ 18,060,000 $ 376,250 $ 120,000
Rutherford, Tennessee 47 $ 22,415,000 $ 476,914 $ 142,000
Guadalupe, Texas 46 $ 13,900,000 $ 302,173 $ 114,000
Butts, Georgia 45 $ 10,955,000 $ 243,444 $ 85,000
Brunswick, North Carolina 44 $ 9,510,000 $ 216,136 $ 75,000
Kaufman, Texas 44 $ 17,050,000 $ 387,500 $ 132,000
Florence, South Carolina 43 $ 9,375,000 $ 218,023 $ 90,000
Sarasota, Florida 42 $ 11,730,000 $ 279,285 $ 81,000
Sumter, Florida 42 $ 10,290,000 $ 245,000 $ 74,000
Troup, Georgia 42 $ 10,530,000 $ 250,714 $ 81,000
Chambers, Texas 42 $ 16,480,000 $ 392,380 $ 146,000
Alamance, North Carolina 40 $ 11,690,000 $ 292,250 $ 93,000
Spartanburg, South Carolina 40 $ 9,310,000 $ 232,750 $ 73,000
Brazos, Texas 40 $ 12,190,000 $ 304,750 $ 117,000
Lewis, Washington 40 $ 15,800,000 $ 395,000 $ 115,000
Elbert, Colorado 38 $ 20,260,000 $ 533,157 $ 143,000
Bay, Florida 38 $ 10,640,000 $ 280,000 $ 90,000
LaPorte, Indiana 38 $ 8,610,000 $ 226,578 $ 77,000
Dallas, Texas 38 $ 12,260,000 $ 322,631 $ 107,000
Kings, California 37 $ 14,785,000 $ 399,594 $ 109,000
Maury, Tennessee 37 $ 14,455,000 $ 390,675 $ 137,000
Hendry, Florida 36 $ 9,380,000 $ 260,555 $ 79,000
Laurens, Georgia 36 $ 7,770,000 $ 215,833 $ 69,000
Murray, Georgia 35 $ 8,565,000 $ 244,714 $ 81,000
Clark, Indiana 34 $ 8,040,000 $ 236,470 $ 100,000
York, South Carolina 34 $ 10,270,000 $ 302,058 $ 106,000
Thurston, Washington 33 $ 16,785,000 $ 508,636 $ 198,000
Fulton, Georgia 32 $ 12,710,000 $ 397,187 $ 140,000
Porter, Indiana 32 $ 9,180,000 $ 286,875 $ 113,000
Liberty, Texas 32 $ 7,990,000 $ 249,687 $ 85,000
Cabarrus, North Carolina 31 $ 13,975,000 $ 450,806 $ 150,000
Monroe, Michigan 30 $ 9,410,000 $ 313,666 $ 121,000
Newton, Georgia 28 $ 8,670,000 $ 309,642 $ 90,000
Darlington, South Carolina 28 $ 5,630,000 $ 201,071 $ 66,000
Brazoria, Texas 28 $ 8,910,000 $ 318,214 $ 122,000
Osceola, Florida 27 $ 7,875,000 $ 291,666 $ 73,000
Wilson, North Carolina 27 $ 6,425,000 $ 237,962 $ 80,000
Limestone, Alabama 26 $ 5,860,000 $ 225,384 $ 79,000
Pima, Arizona 26 $ 7,980,000 $ 306,923 $ 97,000
Sacramento, California 26 $ 10,720,000 $ 412,307 $ 168,000
Douglas, Georgia 26 $ 9,240,000 $ 355,384 $ 115,000
Nash, North Carolina 26 $ 6,490,000 $ 249,615 $ 93,000
Putnam, Florida 25 $ 5,695,000 $ 227,800 $ 81,000
Talladega, Alabama 24 $ 5,100,000 $ 212,500 $ 73,000
Solano, California 24 $ 12,090,000 $ 503,750 $ 167,000
Larimer, Colorado 24 $ 12,540,000 $ 522,500 $ 161,000
Walton, Florida 24 $ 4,760,000 $ 198,333 $ 59,000
Rowan, North Carolina 24 $ 7,950,000 $ 331,250 $ 119,000
El Paso, Colorado 23 $ 10,185,000 $ 442,826 $ 110,000
Matagorda, Texas 23 $ 6,105,000 $ 265,434 $ 113,000
Hays, Texas 22 $ 5,680,000 $ 258,181 $ 99,000
St. Lucie, Florida 21 $ 6,585,000 $ 313,571 $ 98,000
Santa Rosa, Florida 19 $ 5,485,000 $ 288,684 $ 98,000
Washtenaw, Michigan 19 $ 5,985,000 $ 315,000 $ 141,000
St. Johns, Florida 18 $ 5,210,000 $ 289,444 $ 101,000
Stephens, Georgia 18 $ 4,350,000 $ 241,666 $ 73,000
Anderson, Kentucky 18 $ 4,640,000 $ 257,777 $ 102,000
Grimes, Texas 17 $ 4,455,000 $ 262,058 $ 89,000
Wayne, Michigan 15 $ 4,725,000 $ 315,000 $ 140,000
Iredell, North Carolina 15 $ 6,605,000 $ 440,333 $ 178,000
Davie, North Carolina 14 $ 2,960,000 $ 211,428 $ 107,000
Baker, Florida 13 $ 3,375,000 $ 259,615 $ 75,000
Floyd, Indiana 13 $ 2,795,000 $ 215,000 $ 115,000
Harrison, Indiana 13 $ 3,185,000 $ 245,000 $ 92,000
Kent, Michigan 13 $ 4,475,000 $ 344,230 $ 124,000
Nye, Nevada 13 $ 3,235,000 $ 248,846 $ 76,000
Cherokee, South Carolina 13 $ 2,965,000 $ 228,076 $ 95,000
Davidson, Tennessee 13 $ 4,875,000 $ 375,000 $ 106,000
Johnson, Texas 13 $ 3,235,000 $ 248,846 $ 95,000
Anderson, South Carolina 12 $ 2,700,000 $ 225,000 $ 75,000
Parker, Texas 12 $ 3,380,000 $ 281,666 $ 102,000
Iberia, Louisiana 11 $ 2,155,000 $ 195,909 $ 71,000
Weber, Utah 11 $ 5,505,000 $ 500,454 $ 258,000
King, Washington 11 $ 7,705,000 $ 700,454 $ 242,000
Walker, Alabama 10 $ 2,270,000 $ 227,000 $ 88,000
Escambia, Florida 10 $ 1,980,000 $ 198,000 $ 112,000
Galveston, Texas 10 $ 3,030,000 $ 303,000 $ 110,000
Jackson, Georgia 9 $ 3,365,000 $ 373,888 $ 100,000
Oconee, South Carolina 9 $ 2,115,000 $ 235,000 $ 132,000
Coffee, Alabama 8 $ 1,810,000 $ 226,250 $ 66,000
Okaloosa, Florida 8 $ 2,200,000 $ 275,000 $ 78,000
Effingham, Georgia 7 $ 2,245,000 $ 320,714 $ 84,000
Rockwall, Texas 7 $ 2,155,000 $ 307,857 $ 195,000
Volusia, Florida 6 $ 2,060,000 $ 343,333 $ 107,000
McIntosh, Georgia 6 $ 1,400,000 $ 233,333 $ 69,000
Peach, Georgia 6 $ 1,090,000 $ 181,666 $ 47,000
Georgetown, South Carolina 6 $ 1,630,000 $ 271,666 $ 131,000
Davis, Utah 5 $ 1,795,000 $ 359,000 $ 114,000
Berrien, Michigan 4 $ 1,050,000 $ 262,500 $ 125,000
Genesee, Michigan 4 $ 1,180,000 $ 295,000 $ 99,000
Stanly, North Carolina 4 $ 1,810,000 $ 452,500 $ 131,000
Contra Costa, California 3 $ 2,105,000 $ 701,666 $ 192,000
Lamar, Georgia 3 $ 795,000 $ 265,000 $ 91,000
Tuolumne, California 2 $ 390,000 $ 195,000 $ 0
Bartow, Georgia 2 $ 470,000 $ 235,000 $ 487,000
Walton, Georgia 2 $ 490,000 $ 245,000 $ 150,000
Beaufort, South Carolina 2 $ 2,030,000 $ 1,015,000 $ 0
Tarrant, Texas 2 $ 680,000 $ 340,000 $ 105,000
Arapahoe, Colorado 1 $ 265,000 $ 265,000 $ 207,000
Jefferson, Colorado 1 $ 435,000 $ 435,000 $ 0
Glades, Florida 1 $ 275,000 $ 275,000 $ 64,000
Clayton, Georgia 1 $ 345,000 $ 345,000 $ 106,000
Dawson, Georgia 1 $ 305,000 $ 305,000 $ 144,000
Bullitt, Kentucky 1 $ 225,000 $ 225,000 $ 452,000
Calcasieu, Louisiana 1 $ 175,000 $ 175,000 $ 74,000
East Baton Rouge, Louisiana 1 $ 245,000 $ 245,000 $ 122,000
Guilford, North Carolina 1 $ 335,000 $ 335,000 $ 209,000
Harnett, North Carolina 1 $ 315,000 $ 315,000 $ 71,000
Mecklenburg, North Carolina 1 $ 335,000 $ 335,000 $ 251,000
Chelan, Washington 1 $ 655,000 $ 655,000 $ 202,000

Mortgage Loan Application Detail Totals for Inspire Home Loans Inc. in 2025

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 9,041 $3,203,125,000 $354,000 $1,215,000 $122,000 $2,586,000
Refinancing 18 $5,300,000 $294,000 $515,000 $191,000 $455,000
Not Applicable 0 $0 $0 $0 $0 $0
Other Purpose 0 $0 $0 $0 $0 $0
Cash-out Refinancing 0 $0 $0 $0 $0 $0
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 3,484 $1,176,320,000 $337,000 $1,215,000 $119,000 $2,355,000
Hispanic 2,155 $744,715,000 $345,000 $1,015,000 $102,000 $730,000
Black or African American 1,201 $387,035,000 $322,000 $805,000 $102,000 $1,030,000
Asian 1,143 $511,405,000 $447,000 $1,035,000 $181,000 $1,734,000
Not Provided 967 $349,805,000 $361,000 $955,000 $134,000 $2,586,000
American Indian or Alaskan Native 79 $26,845,000 $339,000 $775,000 $108,000 $300,000
Native Hawaiian or Other Pacific Islander 29 $11,995,000 $413,000 $645,000 $121,000 $367,000
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
FHA-insured (Federal Housing Administration) 4,471 $1,534,325,000 $343,000 $995,000 $101,000 $1,517,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 3,079 $1,145,315,000 $371,000 $1,035,000 $161,000 $2,586,000
VA-guaranteed (Veterans Administration) 1,312 $476,540,000 $363,000 $1,215,000 $107,000 $490,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 197 $52,245,000 $265,000 $505,000 $84,000 $136,000

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 6,596 $2,370,520,000 $359,000 $1,215,000 $127,000 $2,586,000
Application Denied By Financial Institution 958 $323,620,000 $337,000 $965,000 $84,000 $730,000
Application Withdrawn By Applicant 943 $314,375,000 $333,000 $1,005,000 $124,000 $2,355,000
Application Approved But Not Accepted 515 $181,535,000 $352,000 $1,025,000 $123,000 $575,000
File Closed For Incompleteness 47 $18,375,000 $390,000 $865,000 $150,000 $904,000
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
Not applicable 8,101 $2,884,805,000 $356,000 $1,215,000 $127,000 $2,586,000
Debt-To-Income Ratio 614 $211,430,000 $344,000 $965,000 $73,000 $730,000
Credit History 177 $58,325,000 $329,000 $645,000 $98,000 $457,000
Other 110 $35,390,000 $321,000 $775,000 $119,000 $451,000
Unverifiable Information 34 $10,640,000 $312,000 $515,000 $90,000 $313,000
Employment History 17 $6,015,000 $353,000 $605,000 $77,000 $171,000
Collateral 3 $915,000 $305,000 $395,000 $98,000 $123,000
Insufficient Cash (Downpayment, Closing Cost) 2 $510,000 $255,000 $255,000 $121,000 $152,000
Credit Application Incomplete 1 $395,000 $395,000 $395,000 $118,000 $118,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Inspire Home Loans Inc.'s 2025 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 Inspire Home Loans 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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