Inspire Home Loans Inc. Mortgage Lending & HMDA Data, 2019
In 2019, Inspire Home Loans Inc. of Newport Beach, CA reported 4,856 mortgage applications totaling $1.4 billion, up 40% from 2018. The average application was for $294,491, and applicants reported an average income of $105,362. 72% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (970), Las Vegas-Henderson-Paradise, NV (537) and Denver-Aurora-Lakewood, CO (487) (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 | 4,856 |
| Total Mortgage Loan Application Amount | $1,430,050,000 |
| Average Mortgage Loan Application Amount | $294,491 |
| Highest Mortgage Loan Application Amount | $1,205,000 |
| Average Applicant Income | $105,362 |
| Highest Applicant Income | $2,300,000 |
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(HMDA) records Inspire Home Loans Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Clark, Nevada | 537 | $ 174,985,000 | $ 325,856 | $ 118,000 |
| Williamson, Texas | 196 | $ 55,270,000 | $ 281,989 | $ 136,000 |
| Monterey, California | 180 | $ 84,100,000 | $ 467,222 | $ 122,000 |
| Douglas, Colorado | 179 | $ 74,145,000 | $ 414,217 | $ 147,000 |
| Forsyth, Georgia | 171 | $ 57,025,000 | $ 333,479 | $ 116,000 |
| Fresno, California | 165 | $ 52,265,000 | $ 316,757 | $ 104,000 |
| Fulton, Georgia | 143 | $ 36,665,000 | $ 256,398 | $ 93,000 |
| Weld, Colorado | 141 | $ 46,495,000 | $ 329,751 | $ 93,000 |
| Gwinnett, Georgia | 135 | $ 40,765,000 | $ 301,962 | $ 107,000 |
| Salt Lake, Utah | 126 | $ 43,640,000 | $ 346,349 | $ 95,000 |
| El Paso, Colorado | 125 | $ 41,565,000 | $ 332,520 | $ 110,000 |
| Jefferson, Colorado | 123 | $ 41,005,000 | $ 333,373 | $ 123,000 |
| Fort Bend, Texas | 110 | $ 20,180,000 | $ 183,454 | $ 90,000 |
| Arapahoe, Colorado | 109 | $ 47,015,000 | $ 431,330 | $ 140,000 |
| DeKalb, Georgia | 107 | $ 33,625,000 | $ 314,252 | $ 129,000 |
| Harris, Texas | 107 | $ 19,835,000 | $ 185,373 | $ 68,000 |
| Utah, Utah | 104 | $ 32,730,000 | $ 314,711 | $ 131,000 |
| Mecklenburg, North Carolina | 91 | $ 23,565,000 | $ 258,956 | $ 136,000 |
| Adams, Colorado | 70 | $ 28,490,000 | $ 407,000 | $ 129,000 |
| Paulding, Georgia | 70 | $ 19,320,000 | $ 276,000 | $ 86,000 |
| Henry, Georgia | 61 | $ 16,665,000 | $ 273,196 | $ 86,000 |
| Montgomery, Texas | 60 | $ 13,300,000 | $ 221,666 | $ 91,000 |
| San Joaquin, California | 59 | $ 23,385,000 | $ 396,355 | $ 142,000 |
| Cabarrus, North Carolina | 59 | $ 17,495,000 | $ 296,525 | $ 109,000 |
| Guadalupe, Texas | 57 | $ 11,655,000 | $ 204,473 | $ 70,000 |
| Cherokee, Georgia | 54 | $ 16,010,000 | $ 296,481 | $ 110,000 |
| Thurston, Washington | 54 | $ 18,470,000 | $ 342,037 | $ 109,000 |
| Lee, Florida | 51 | $ 8,175,000 | $ 160,294 | $ 61,000 |
| Rutherford, Tennessee | 48 | $ 14,140,000 | $ 294,583 | $ 89,000 |
| Newton, Georgia | 47 | $ 10,925,000 | $ 232,446 | $ 78,000 |
| Jackson, Georgia | 44 | $ 11,710,000 | $ 266,136 | $ 90,000 |
| San Benito, California | 41 | $ 20,855,000 | $ 508,658 | $ 130,000 |
| Clayton, Georgia | 41 | $ 7,625,000 | $ 185,975 | $ 73,000 |
| Hernando, Florida | 37 | $ 5,465,000 | $ 147,702 | $ 56,000 |
| Bexar, Texas | 37 | $ 8,865,000 | $ 239,594 | $ 103,000 |
| Kitsap, Washington | 35 | $ 14,065,000 | $ 401,857 | $ 137,000 |
| Cobb, Georgia | 32 | $ 10,430,000 | $ 325,937 | $ 119,000 |
| Rockdale, Georgia | 28 | $ 4,260,000 | $ 152,142 | $ 68,000 |
| Hall, Georgia | 27 | $ 10,525,000 | $ 389,814 | $ 129,000 |
| Snohomish, Washington | 27 | $ 15,935,000 | $ 590,185 | $ 177,000 |
| Forsyth, North Carolina | 26 | $ 3,580,000 | $ 137,692 | $ 68,000 |
| Travis, Texas | 25 | $ 7,485,000 | $ 299,400 | $ 138,000 |
| Davis, Utah | 25 | $ 8,675,000 | $ 347,000 | $ 128,000 |
| Bibb, Georgia | 24 | $ 2,930,000 | $ 122,083 | $ 52,000 |
| Clarke, Georgia | 23 | $ 2,585,000 | $ 112,391 | $ 84,000 |
| Davidson, North Carolina | 23 | $ 3,265,000 | $ 141,956 | $ 51,000 |
| York, South Carolina | 23 | $ 4,865,000 | $ 211,521 | $ 85,000 |
| Pinal, Arizona | 22 | $ 3,140,000 | $ 142,727 | $ 55,000 |
| Randolph, North Carolina | 22 | $ 3,110,000 | $ 141,363 | $ 52,000 |
| Stanislaus, California | 21 | $ 7,425,000 | $ 353,571 | $ 171,000 |
| Bartow, Georgia | 21 | $ 3,275,000 | $ 155,952 | $ 63,000 |
| Flagler, Florida | 20 | $ 3,390,000 | $ 169,500 | $ 79,000 |
| Stanly, North Carolina | 20 | $ 3,520,000 | $ 176,000 | $ 65,000 |
| Riverside, California | 18 | $ 8,060,000 | $ 447,777 | $ 146,000 |
| Polk, Florida | 18 | $ 3,270,000 | $ 181,666 | $ 53,000 |
| Union, North Carolina | 18 | $ 6,300,000 | $ 350,000 | $ 136,000 |
| Lancaster, South Carolina | 17 | $ 4,705,000 | $ 276,764 | $ 90,000 |
| San Bernardino, California | 16 | $ 6,600,000 | $ 412,500 | $ 126,000 |
| Walton, Georgia | 16 | $ 2,470,000 | $ 154,375 | $ 48,000 |
| Carroll, Georgia | 15 | $ 2,065,000 | $ 137,666 | $ 43,000 |
| Hays, Texas | 15 | $ 6,475,000 | $ 431,666 | $ 173,000 |
| Wilson, Tennessee | 14 | $ 4,700,000 | $ 335,714 | $ 109,000 |
| Tulare, California | 13 | $ 3,595,000 | $ 276,538 | $ 90,000 |
| Brevard, Florida | 13 | $ 2,235,000 | $ 171,923 | $ 75,000 |
| Muscogee, Georgia | 13 | $ 1,825,000 | $ 140,384 | $ 69,000 |
| Nash, North Carolina | 13 | $ 1,695,000 | $ 130,384 | $ 53,000 |
| Ventura, California | 12 | $ 5,770,000 | $ 480,833 | $ 152,000 |
| Delaware, Indiana | 12 | $ 1,750,000 | $ 145,833 | $ 58,000 |
| Gaston, North Carolina | 12 | $ 1,900,000 | $ 158,333 | $ 47,000 |
| Rowan, North Carolina | 12 | $ 1,640,000 | $ 136,666 | $ 48,000 |
| Wilson, North Carolina | 12 | $ 1,110,000 | $ 92,500 | $ 41,000 |
| Davidson, Tennessee | 12 | $ 3,900,000 | $ 325,000 | $ 119,000 |
| Douglas, Georgia | 11 | $ 1,585,000 | $ 144,090 | $ 81,000 |
| Spalding, Georgia | 11 | $ 1,465,000 | $ 133,181 | $ 49,000 |
| Genesee, Michigan | 11 | $ 1,725,000 | $ 156,818 | $ 79,000 |
| Cleveland, North Carolina | 11 | $ 1,525,000 | $ 138,636 | $ 60,000 |
| Spartanburg, South Carolina | 11 | $ 1,655,000 | $ 150,454 | $ 64,000 |
| Hidalgo, Texas | 11 | $ 1,595,000 | $ 145,000 | $ 61,000 |
| Polk, Texas | 11 | $ 1,225,000 | $ 111,363 | $ 97,000 |
| Gordon, Georgia | 10 | $ 1,440,000 | $ 144,000 | $ 47,000 |
| Iredell, North Carolina | 10 | $ 3,180,000 | $ 318,000 | $ 137,000 |
| Montgomery, Ohio | 10 | $ 1,460,000 | $ 146,000 | $ 78,000 |
| Jasper, South Carolina | 10 | $ 1,550,000 | $ 155,000 | $ 40,000 |
| Floyd, Georgia | 9 | $ 1,225,000 | $ 136,111 | $ 53,000 |
| Richmond, Georgia | 9 | $ 1,195,000 | $ 132,777 | $ 64,000 |
| Alamance, North Carolina | 9 | $ 1,075,000 | $ 119,444 | $ 64,000 |
| Anderson, South Carolina | 9 | $ 1,095,000 | $ 121,666 | $ 58,000 |
| Horry, South Carolina | 9 | $ 1,185,000 | $ 131,666 | $ 58,000 |
| Liberty, Georgia | 8 | $ 1,210,000 | $ 151,250 | $ 46,000 |
| Brunswick, North Carolina | 8 | $ 1,410,000 | $ 176,250 | $ 63,000 |
| Guilford, North Carolina | 8 | $ 1,000,000 | $ 125,000 | $ 62,000 |
| Johnston, North Carolina | 8 | $ 1,350,000 | $ 168,750 | $ 50,000 |
| Charlotte, Florida | 7 | $ 1,085,000 | $ 155,000 | $ 48,000 |
| Houston, Georgia | 7 | $ 905,000 | $ 129,285 | $ 68,000 |
| Howard, Indiana | 7 | $ 855,000 | $ 122,142 | $ 62,000 |
| Moore, North Carolina | 7 | $ 1,125,000 | $ 160,714 | $ 66,000 |
| Pitt, North Carolina | 7 | $ 995,000 | $ 142,142 | $ 53,000 |
| Fairfield, Ohio | 7 | $ 1,105,000 | $ 157,857 | $ 71,000 |
| Pierce, Washington | 7 | $ 2,795,000 | $ 399,285 | $ 136,000 |
| Orange, California | 6 | $ 3,210,000 | $ 535,000 | $ 160,000 |
| Barrow, Georgia | 6 | $ 1,130,000 | $ 188,333 | $ 65,000 |
| Troup, Georgia | 6 | $ 720,000 | $ 120,000 | $ 51,000 |
| Catawba, North Carolina | 6 | $ 830,000 | $ 138,333 | $ 61,000 |
| Cumberland, North Carolina | 6 | $ 790,000 | $ 131,666 | $ 57,000 |
| Greene, North Carolina | 6 | $ 610,000 | $ 101,666 | $ 67,000 |
| Harnett, North Carolina | 6 | $ 840,000 | $ 140,000 | $ 49,000 |
| New Hanover, North Carolina | 6 | $ 740,000 | $ 123,333 | $ 104,000 |
| Rockingham, North Carolina | 6 | $ 690,000 | $ 115,000 | $ 68,000 |
| Henry, Indiana | 5 | $ 765,000 | $ 153,000 | $ 64,000 |
| Elbert, Colorado | 4 | $ 1,590,000 | $ 397,500 | $ 95,000 |
| Larimer, Colorado | 4 | $ 1,300,000 | $ 325,000 | $ 92,000 |
| Sarasota, Florida | 4 | $ 710,000 | $ 177,500 | $ 50,000 |
| Madison, Indiana | 4 | $ 530,000 | $ 132,500 | $ 47,000 |
| Wayne, Indiana | 4 | $ 600,000 | $ 150,000 | $ 76,000 |
| Monroe, Michigan | 4 | $ 690,000 | $ 172,500 | $ 94,000 |
| Waller, Texas | 4 | $ 540,000 | $ 135,000 | $ 36,000 |
| King, Washington | 4 | $ 3,010,000 | $ 752,500 | $ 213,000 |
| Santa Clara, California | 3 | $ 1,355,000 | $ 451,666 | $ 150,000 |
| St. Lucie, Florida | 3 | $ 565,000 | $ 188,333 | $ 63,000 |
| Adams, Indiana | 3 | $ 465,000 | $ 155,000 | $ 74,000 |
| Polk, Iowa | 3 | $ 625,000 | $ 208,333 | $ 52,000 |
| Fayette, Ohio | 3 | $ 615,000 | $ 205,000 | $ 75,000 |
| Laurens, South Carolina | 3 | $ 405,000 | $ 135,000 | $ 56,000 |
| Pickens, South Carolina | 3 | $ 335,000 | $ 111,666 | $ 72,000 |
| Russell, Alabama | 2 | $ 290,000 | $ 145,000 | $ 73,000 |
| Los Angeles, California | 2 | $ 1,190,000 | $ 595,000 | $ 197,000 |
| Denver, Colorado | 2 | $ 660,000 | $ 330,000 | $ 0 |
| Osceola, Florida | 2 | $ 370,000 | $ 185,000 | $ 59,000 |
| Murray, Georgia | 2 | $ 310,000 | $ 155,000 | $ 45,000 |
| Grant, Indiana | 2 | $ 260,000 | $ 130,000 | $ 38,000 |
| Hamilton, Indiana | 2 | $ 330,000 | $ 165,000 | $ 64,000 |
| Huntington, Indiana | 2 | $ 320,000 | $ 160,000 | $ 111,000 |
| Scott, Iowa | 2 | $ 400,000 | $ 200,000 | $ 90,000 |
| Granville, North Carolina | 2 | $ 320,000 | $ 160,000 | $ 46,000 |
| Wake, North Carolina | 2 | $ 410,000 | $ 205,000 | $ 63,000 |
| Clark, Ohio | 2 | $ 270,000 | $ 135,000 | $ 153,000 |
| Pickaway, Ohio | 2 | $ 360,000 | $ 180,000 | $ 62,000 |
| Grimes, Texas | 2 | $ 280,000 | $ 140,000 | $ 36,000 |
| Maricopa, Arizona | 1 | $ 215,000 | $ 215,000 | $ 75,000 |
| Mohave, Arizona | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| Butts, Georgia | 1 | $ 115,000 | $ 115,000 | $ 39,000 |
| Chatham, Georgia | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
| Jones, Georgia | 1 | $ 115,000 | $ 115,000 | $ 245,000 |
| Long, Georgia | 1 | $ 125,000 | $ 125,000 | $ 39,000 |
| Clinton, Iowa | 1 | $ 185,000 | $ 185,000 | $ 210,000 |
| Lapeer, Michigan | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| Warren, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| Miami, Ohio | 1 | $ 175,000 | $ 175,000 | $ 45,000 |
| Preble, Ohio | 1 | $ 135,000 | $ 135,000 | $ 41,000 |
| Ross, Ohio | 1 | $ 115,000 | $ 115,000 | $ 24,000 |
| Aiken, South Carolina | 1 | $ 115,000 | $ 115,000 | $ 124,000 |
| Colleton, South Carolina | 1 | $ 145,000 | $ 145,000 | $ 59,000 |
| Florence, South Carolina | 1 | $ 95,000 | $ 95,000 | $ 43,000 |
| Greenville, South Carolina | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| Kershaw, South Carolina | 1 | $ 165,000 | $ 165,000 | $ 37,000 |
| Lexington, South Carolina | 1 | $ 145,000 | $ 145,000 | $ 67,000 |
| Daggett, Utah | 1 | $ 85,000 | $ 85,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for Inspire Home Loans Inc. in 2019
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 | 4,806 | $1,413,940,000 | $294,000 | $1,205,000 | $105,000 | $2,300,000 |
| Refinancing | 41 | $12,635,000 | $308,000 | $655,000 | $142,000 | $550,000 |
| Home Improvement | 9 | $3,475,000 | $386,000 | $585,000 | $132,000 | $197,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 2,105 | $635,965,000 | $302,000 | $1,205,000 | $109,000 | $2,300,000 |
| Black or African American | 777 | $194,705,000 | $250,000 | $985,000 | $86,000 | $600,000 |
| Hispanic | 633 | $176,365,000 | $278,000 | $715,000 | $89,000 | $1,211,000 |
| Not Provided | 565 | $165,015,000 | $292,000 | $995,000 | $108,000 | $568,000 |
| Asian | 519 | $170,745,000 | $328,000 | $725,000 | $133,000 | $613,000 |
| American Indian or Alaskan Native | 36 | $13,160,000 | $365,000 | $915,000 | $106,000 | $228,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $2,660,000 | $266,000 | $405,000 | $99,000 | $229,000 |
| Not applicable | 1 | $135,000 | $135,000 | $135,000 | $58,000 | $58,000 |
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) | 2,925 | $898,505,000 | $307,000 | $1,205,000 | $120,000 | $1,730,000 |
| FHA-insured (Federal Housing Administration) | 1,288 | $324,370,000 | $251,000 | $665,000 | $79,000 | $2,300,000 |
| VA-guaranteed (Veterans Administration) | 588 | $196,290,000 | $333,000 | $915,000 | $95,000 | $370,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 55 | $10,885,000 | $197,000 | $385,000 | $59,000 | $117,000 |
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 | 3,481 | $1,045,325,000 | $300,000 | $1,125,000 | $109,000 | $1,730,000 |
| Application Withdrawn By Applicant | 561 | $153,745,000 | $274,000 | $1,205,000 | $104,000 | $2,300,000 |
| Application Approved But Not Accepted | 464 | $133,330,000 | $287,000 | $1,145,000 | $102,000 | $1,301,000 |
| Application Denied By Financial Institution | 336 | $94,270,000 | $280,000 | $995,000 | $75,000 | $446,000 |
| File Closed For Incompleteness | 13 | $3,245,000 | $249,000 | $505,000 | $94,000 | $260,000 |
| Loan Purchased By The Institution | 1 | $135,000 | $135,000 | $135,000 | $58,000 | $58,000 |
| 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 | 4,520 | $1,335,780,000 | $295,000 | $1,205,000 | $108,000 | $2,300,000 |
| Debt-To-Income Ratio | 194 | $52,910,000 | $272,000 | $995,000 | $65,000 | $446,000 |
| Credit History | 48 | $14,420,000 | $300,000 | $575,000 | $94,000 | $215,000 |
| Other | 43 | $12,425,000 | $288,000 | $595,000 | $90,000 | $213,000 |
| Employment History | 23 | $5,885,000 | $255,000 | $445,000 | $69,000 | $189,000 |
| Unverifiable Information | 12 | $4,000,000 | $333,000 | $525,000 | $109,000 | $164,000 |
| Credit Application Incomplete | 9 | $3,235,000 | $359,000 | $655,000 | $96,000 | $162,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,395,000 | $199,000 | $395,000 | $71,000 | $183,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Inspire Home Loans Inc.'s 2019 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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