Inspire Home Loans Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Inspire Home Loans Inc. 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Inspire Home Loans Inc. 19600 Fairchild Road, Suite 200 Wilmington, DE 92612 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 10,531 |
| Total Mortgage Loan Application Amount | $3,538,565,000 |
| Average Mortgage Loan Application Amount | $323,250 |
| Highest Mortgage Loan Application Amount | $1,745,000 |
| Average Applicant Income | $102,000 |
| Highest Applicant Income | $5,250,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Inspire Home Loans Inc.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Inspire Home Loans Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Inspire Home Loans Inc.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Inspire Home Loans Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by Inspire Home Loans Inc., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Inspire Home Loans Inc.'s mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Clark County Nevada | 888 | $ 318,390,000 | $ 358,000 | $ 106,000 |
| Williamson County Texas | 440 | $ 127,070,000 | $ 288,000 | $ 184,000 |
| San Bernardino County California | 408 | $ 145,620,000 | $ 356,000 | $ 90,000 |
| San Joaquin County California | 348 | $ 205,700,000 | $ 591,000 | $ 180,000 |
| Pinal County Arizona | 334 | $ 73,530,000 | $ 220,000 | $ 84,000 |
| Fresno County California | 304 | $ 117,590,000 | $ 386,000 | $ 134,000 |
| Douglas County Colorado | 285 | $ 140,915,000 | $ 494,000 | $ 144,000 |
| Maricopa County Arizona | 274 | $ 83,000,000 | $ 302,000 | $ 113,000 |
| Riverside County California | 261 | $ 94,205,000 | $ 360,000 | $ 94,000 |
| Bexar County Texas | 256 | $ 65,350,000 | $ 255,000 | $ 90,000 |
| Fort Bend County Texas | 253 | $ 64,515,000 | $ 255,000 | $ 103,000 |
| Montgomery County Texas | 237 | $ 52,285,000 | $ 220,000 | $ 91,000 |
| Weld County Colorado | 233 | $ 107,735,000 | $ 462,000 | $ 138,000 |
| Los Angeles County California | 226 | $ 103,660,000 | $ 458,000 | $ 113,000 |
| Imperial County California | 222 | $ 55,680,000 | $ 250,000 | $ 81,000 |
| Arapahoe County Colorado | 205 | $ 77,475,000 | $ 377,000 | $ 116,000 |
| Harris County Texas | 201 | $ 46,575,000 | $ 231,000 | $ 87,000 |
| Thurston County Washington | 191 | $ 77,425,000 | $ 405,000 | $ 127,000 |
| Gwinnett County Georgia | 158 | $ 55,180,000 | $ 349,000 | $ 123,000 |
| Contra Costa County California | 140 | $ 86,740,000 | $ 619,000 | $ 180,000 |
| Hall County Georgia | 133 | $ 49,615,000 | $ 373,000 | $ 117,000 |
| Forsyth County Georgia | 128 | $ 50,230,000 | $ 392,000 | $ 109,000 |
| San Diego County California | 125 | $ 57,105,000 | $ 456,000 | $ 115,000 |
| Fulton County Georgia | 122 | $ 37,380,000 | $ 306,000 | $ 105,000 |
| El Paso County Colorado | 118 | $ 47,340,000 | $ 401,000 | $ 97,000 |
| Mecklenburg County North Carolina | 117 | $ 36,685,000 | $ 313,000 | $ 139,000 |
| Utah County Utah | 116 | $ 46,520,000 | $ 401,000 | $ 102,000 |
| DeKalb County Georgia | 115 | $ 45,255,000 | $ 393,000 | $ 188,000 |
| Union County North Carolina | 114 | $ 36,160,000 | $ 317,000 | $ 109,000 |
| Spartanburg County South Carolina | 111 | $ 20,635,000 | $ 185,000 | $ 74,000 |
| Adams County Colorado | 97 | $ 49,125,000 | $ 506,000 | $ 138,000 |
| Mohave County Arizona | 96 | $ 19,000,000 | $ 197,000 | $ 87,000 |
| Salt Lake County Utah | 96 | $ 45,700,000 | $ 476,000 | $ 120,000 |
| Bibb County Georgia | 91 | $ 17,235,000 | $ 189,000 | $ 66,000 |
| Rutherford County Tennessee | 81 | $ 28,575,000 | $ 352,000 | $ 87,000 |
| Guadalupe County Texas | 78 | $ 18,080,000 | $ 231,000 | $ 88,000 |
| Merced County California | 77 | $ 24,375,000 | $ 316,000 | $ 117,000 |
| Rowan County North Carolina | 77 | $ 14,135,000 | $ 183,000 | $ 73,000 |
| Cherokee County Georgia | 76 | $ 24,220,000 | $ 318,000 | $ 115,000 |
| Jefferson County Colorado | 75 | $ 29,055,000 | $ 387,000 | $ 127,000 |
| Carroll County Georgia | 74 | $ 15,900,000 | $ 214,000 | $ 64,000 |
| Polk County Florida | 69 | $ 15,645,000 | $ 226,000 | $ 57,000 |
| Genesee County Michigan | 68 | $ 14,930,000 | $ 219,000 | $ 79,000 |
| Greenville County South Carolina | 63 | $ 11,145,000 | $ 176,000 | $ 66,000 |
| Washoe County Nevada | 62 | $ 24,920,000 | $ 401,000 | $ 223,000 |
| Davidson County Tennessee | 60 | $ 17,070,000 | $ 284,000 | $ 77,000 |
| Jackson County Georgia | 59 | $ 15,395,000 | $ 260,000 | $ 110,000 |
| Troup County Georgia | 54 | $ 9,460,000 | $ 175,000 | $ 60,000 |
| Davis County Utah | 54 | $ 23,380,000 | $ 432,000 | $ 109,000 |
| Fayette County Georgia | 49 | $ 17,985,000 | $ 367,000 | $ 145,000 |
| Randolph County North Carolina | 48 | $ 9,480,000 | $ 197,000 | $ 70,000 |
| Douglas County Georgia | 47 | $ 9,015,000 | $ 191,000 | $ 72,000 |
| Alameda County California | 45 | $ 36,515,000 | $ 811,000 | $ 209,000 |
| Walton County Georgia | 41 | $ 8,555,000 | $ 208,000 | $ 63,000 |
| Orange County California | 40 | $ 18,350,000 | $ 458,000 | $ 152,000 |
| Brunswick County North Carolina | 40 | $ 7,010,000 | $ 175,000 | $ 98,000 |
| Flagler County Florida | 39 | $ 8,125,000 | $ 208,000 | $ 83,000 |
| Walton County Florida | 39 | $ 8,675,000 | $ 222,000 | $ 93,000 |
| Paulding County Georgia | 39 | $ 13,375,000 | $ 342,000 | $ 105,000 |
| Hernando County Florida | 38 | $ 7,540,000 | $ 198,000 | $ 71,000 |
| Vance County North Carolina | 37 | $ 8,875,000 | $ 239,000 | $ 63,000 |
| Snohomish County Washington | 35 | $ 25,425,000 | $ 726,000 | $ 167,000 |
| York County South Carolina | 34 | $ 9,150,000 | $ 269,000 | $ 83,000 |
| Solano County California | 33 | $ 15,455,000 | $ 468,000 | $ 110,000 |
| Lancaster County South Carolina | 33 | $ 11,555,000 | $ 350,000 | $ 105,000 |
| King County Washington | 33 | $ 19,615,000 | $ 594,000 | $ 161,000 |
| Cabarrus County North Carolina | 32 | $ 11,480,000 | $ 358,000 | $ 107,000 |
| Lee County Florida | 31 | $ 5,725,000 | $ 184,000 | $ 68,000 |
| Cobb County Georgia | 31 | $ 12,785,000 | $ 412,000 | $ 133,000 |
| Monroe County Michigan | 31 | $ 7,505,000 | $ 242,000 | $ 81,000 |
| Guilford County North Carolina | 31 | $ 6,365,000 | $ 205,000 | $ 61,000 |
| Robertson County Tennessee | 31 | $ 10,215,000 | $ 329,000 | $ 99,000 |
| Sumner County Tennessee | 31 | $ 7,965,000 | $ 256,000 | $ 121,000 |
| Henry County Georgia | 30 | $ 7,500,000 | $ 250,000 | $ 70,000 |
| Murray County Georgia | 30 | $ 5,370,000 | $ 179,000 | $ 54,000 |
| Williamson County Tennessee | 30 | $ 9,500,000 | $ 316,000 | $ 104,000 |
| Sacramento County California | 29 | $ 11,915,000 | $ 410,000 | $ 86,000 |
| Wilson County Tennessee | 29 | $ 8,105,000 | $ 279,000 | $ 128,000 |
| Polk County Texas | 28 | $ 4,110,000 | $ 146,000 | $ 89,000 |
| Catawba County North Carolina | 27 | $ 4,755,000 | $ 176,000 | $ 67,000 |
| Alamance County North Carolina | 26 | $ 5,170,000 | $ 198,000 | $ 59,000 |
| Stanislaus County California | 24 | $ 8,790,000 | $ 366,000 | $ 79,000 |
| Newton County Georgia | 24 | $ 5,240,000 | $ 218,000 | $ 57,000 |
| Elbert County Colorado | 23 | $ 9,195,000 | $ 399,000 | $ 114,000 |
| Floyd County Georgia | 23 | $ 3,935,000 | $ 171,000 | $ 55,000 |
| Florence County South Carolina | 23 | $ 4,775,000 | $ 207,000 | $ 68,000 |
| Gordon County Georgia | 21 | $ 3,705,000 | $ 176,000 | $ 70,000 |
| Marion County Oregon | 21 | $ 6,165,000 | $ 293,000 | $ 65,000 |
| Johnston County North Carolina | 20 | $ 4,000,000 | $ 200,000 | $ 189,000 |
| Putnam County Florida | 19 | $ 3,335,000 | $ 175,000 | $ 52,000 |
| Edgecombe County North Carolina | 19 | $ 3,465,000 | $ 182,000 | $ 52,000 |
| Beaufort County South Carolina | 19 | $ 4,175,000 | $ 219,000 | $ 101,000 |
| Monterey County California | 18 | $ 9,010,000 | $ 500,000 | $ 141,000 |
| Grant County Indiana | 18 | $ 2,700,000 | $ 150,000 | $ 61,000 |
| Citrus County Florida | 17 | $ 3,005,000 | $ 176,000 | $ 67,000 |
| Liberty County Georgia | 17 | $ 3,355,000 | $ 197,000 | $ 65,000 |
| Spalding County Georgia | 17 | $ 3,055,000 | $ 179,000 | $ 52,000 |
| Wayne County Michigan | 17 | $ 4,225,000 | $ 248,000 | $ 81,000 |
| Kitsap County Washington | 17 | $ 8,735,000 | $ 513,000 | $ 136,000 |
| Kern County California | 16 | $ 4,120,000 | $ 257,000 | $ 55,000 |
| Jones County Georgia | 16 | $ 2,580,000 | $ 161,000 | $ 59,000 |
| Washtenaw County Michigan | 16 | $ 4,260,000 | $ 266,000 | $ 92,000 |
| Davidson County North Carolina | 16 | $ 3,170,000 | $ 198,000 | $ 54,000 |
| Boulder County Colorado | 15 | $ 5,995,000 | $ 399,000 | $ 103,000 |
| Charlotte County Florida | 15 | $ 2,815,000 | $ 187,000 | $ 61,000 |
| St. Lucie County Florida | 15 | $ 3,475,000 | $ 231,000 | $ 64,000 |
| Lapeer County Michigan | 15 | $ 3,205,000 | $ 213,000 | $ 77,000 |
| Gaston County North Carolina | 14 | $ 2,610,000 | $ 186,000 | $ 54,000 |
| Pickens County South Carolina | 14 | $ 2,190,000 | $ 156,000 | $ 55,000 |
| Hays County Texas | 14 | $ 7,270,000 | $ 519,000 | $ 200,000 |
| Brevard County Florida | 13 | $ 2,785,000 | $ 214,000 | $ 94,000 |
| Hamilton County Indiana | 13 | $ 2,585,000 | $ 198,000 | $ 52,000 |
| Davie County North Carolina | 13 | $ 2,495,000 | $ 191,000 | $ 65,000 |
| Granville County North Carolina | 12 | $ 2,510,000 | $ 209,000 | $ 62,000 |
| Nash County North Carolina | 12 | $ 2,660,000 | $ 221,000 | $ 60,000 |
| Anderson County South Carolina | 12 | $ 2,340,000 | $ 195,000 | $ 48,000 |
| Polk County Iowa | 11 | $ 2,695,000 | $ 245,000 | $ 74,000 |
| Pitt County North Carolina | 11 | $ 2,465,000 | $ 224,000 | $ 71,000 |
| San Benito County California | 10 | $ 5,700,000 | $ 570,000 | $ 124,000 |
| Delaware County Indiana | 10 | $ 1,530,000 | $ 153,000 | $ 66,000 |
| Shiawassee County Michigan | 10 | $ 2,250,000 | $ 225,000 | $ 74,000 |
| Washington County Oregon | 10 | $ 4,620,000 | $ 462,000 | $ 140,000 |
| Laurens County South Carolina | 10 | $ 1,650,000 | $ 165,000 | $ 55,000 |
| Glynn County Georgia | 9 | $ 1,865,000 | $ 207,000 | $ 98,000 |
| Polk County Oregon | 9 | $ 3,535,000 | $ 392,000 | $ 78,000 |
| Scott County Iowa | 8 | $ 1,790,000 | $ 223,000 | $ 78,000 |
| Waller County Texas | 8 | $ 980,000 | $ 122,000 | $ 214,000 |
| Pima County Arizona | 7 | $ 3,235,000 | $ 462,000 | $ 320,000 |
| Henry County Indiana | 7 | $ 1,145,000 | $ 163,000 | $ 63,000 |
| Forsyth County North Carolina | 7 | $ 1,205,000 | $ 172,000 | $ 88,000 |
| Stokes County North Carolina | 7 | $ 1,535,000 | $ 219,000 | $ 50,000 |
| Fayette County Ohio | 7 | $ 1,395,000 | $ 199,000 | $ 68,000 |
| Yamhill County Oregon | 7 | $ 2,335,000 | $ 333,000 | $ 134,000 |
| Lake County California | 6 | $ 1,020,000 | $ 170,000 | $ 54,000 |
| Bartow County Georgia | 6 | $ 1,140,000 | $ 190,000 | $ 86,000 |
| Tipton County Indiana | 6 | $ 1,030,000 | $ 171,000 | $ 72,000 |
| Carson City County Nevada | 6 | $ 1,920,000 | $ 320,000 | $ 94,000 |
| Lyon County Nevada | 6 | $ 1,500,000 | $ 250,000 | $ 87,000 |
| Greene County Ohio | 6 | $ 1,360,000 | $ 226,000 | $ 63,000 |
| Tillamook County Oregon | 6 | $ 1,810,000 | $ 301,000 | $ 91,000 |
| Richland County South Carolina | 6 | $ 760,000 | $ 126,000 | $ 61,000 |
| Brazos County Texas | 6 | $ 950,000 | $ 158,000 | $ 156,000 |
| Sarasota County Florida | 5 | $ 1,055,000 | $ 211,000 | $ 65,000 |
| Jay County Indiana | 5 | $ 685,000 | $ 137,000 | $ 92,000 |
| Marion County Iowa | 5 | $ 1,055,000 | $ 211,000 | $ 69,000 |
| Burke County North Carolina | 5 | $ 1,025,000 | $ 205,000 | $ 81,000 |
| Allen County Ohio | 5 | $ 835,000 | $ 167,000 | $ 53,000 |
| Yavapai County Arizona | 4 | $ 1,220,000 | $ 305,000 | $ 156,000 |
| Plumas County California | 4 | $ 1,600,000 | $ 400,000 | $ 249,000 |
| Sonoma County California | 4 | $ 2,260,000 | $ 565,000 | $ 102,000 |
| Porter County Indiana | 4 | $ 1,210,000 | $ 302,000 | $ 98,000 |
| Black Hawk County Iowa | 4 | $ 860,000 | $ 215,000 | $ 96,000 |
| Linn County Iowa | 4 | $ 760,000 | $ 190,000 | $ 49,000 |
| Iredell County North Carolina | 4 | $ 760,000 | $ 190,000 | $ 41,000 |
| Linn County Oregon | 4 | $ 1,200,000 | $ 300,000 | $ 81,000 |
| Yuma County Arizona | 3 | $ 745,000 | $ 248,000 | $ 79,000 |
| San Mateo County California | 3 | $ 2,435,000 | $ 811,000 | $ 164,000 |
| Yolo County California | 3 | $ 1,105,000 | $ 368,000 | $ 85,000 |
| Clayton County Georgia | 3 | $ 555,000 | $ 185,000 | $ 49,000 |
| Oakland County Michigan | 3 | $ 625,000 | $ 208,000 | $ 63,000 |
| Pickaway County Ohio | 3 | $ 735,000 | $ 245,000 | $ 78,000 |
| Travis County Texas | 3 | $ 1,215,000 | $ 405,000 | $ 225,000 |
| Coconino County Arizona | 2 | $ 450,000 | $ 225,000 | $ 54,000 |
| Navajo County Arizona | 2 | $ 530,000 | $ 265,000 | $ 209,000 |
| Madera County California | 2 | $ 780,000 | $ 390,000 | $ 110,000 |
| Placer County California | 2 | $ 820,000 | $ 410,000 | $ 298,000 |
| Santa Clara County California | 2 | $ 1,640,000 | $ 820,000 | $ 147,000 |
| Tulare County California | 2 | $ 530,000 | $ 265,000 | $ 78,000 |
| Ventura County California | 2 | $ 1,160,000 | $ 580,000 | $ 283,000 |
| Collier County Florida | 2 | $ 490,000 | $ 245,000 | $ 84,000 |
| Houston County Georgia | 2 | $ 440,000 | $ 220,000 | $ 154,000 |
| Warren County Iowa | 2 | $ 460,000 | $ 230,000 | $ 91,000 |
| Douglas County Nevada | 2 | $ 860,000 | $ 430,000 | $ 141,000 |
| Wake County North Carolina | 2 | $ 500,000 | $ 250,000 | $ 127,000 |
| Montgomery County Ohio | 2 | $ 400,000 | $ 200,000 | $ 68,000 |
| Clackamas County Oregon | 2 | $ 610,000 | $ 305,000 | $ 67,000 |
| Umatilla County Oregon | 2 | $ 350,000 | $ 175,000 | $ 101,000 |
| Comal County Texas | 2 | $ 520,000 | $ 260,000 | $ 269,000 |
| Washington County Utah | 2 | $ 600,000 | $ 300,000 | $ 178,000 |
| Santa Cruz County Arizona | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Amador County California | 1 | $ 515,000 | $ 515,000 | $ 145,000 |
| Napa County California | 1 | $ 615,000 | $ 615,000 | $ 91,000 |
| Nevada County California | 1 | $ 1,465,000 | $ 1,465,000 | $ 347,000 |
| Santa Cruz County California | 1 | $ 545,000 | $ 545,000 | $ 287,000 |
| Sutter County California | 1 | $ 435,000 | $ 435,000 | $ 138,000 |
| Yuba County California | 1 | $ 285,000 | $ 285,000 | $ 60,000 |
| Denver County Colorado | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Teller County Colorado | 1 | $ 115,000 | $ 115,000 | $ 71,000 |
| Duval County Florida | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Osceola County Florida | 1 | $ 275,000 | $ 275,000 | $ 63,000 |
| Barrow County Georgia | 1 | $ 245,000 | $ 245,000 | $ 87,000 |
| Brantley County Georgia | 1 | $ 235,000 | $ 235,000 | $ 62,000 |
| Chatham County Georgia | 1 | $ 225,000 | $ 225,000 | $ 38,000 |
| Columbia County Georgia | 1 | $ 355,000 | $ 355,000 | $ 85,000 |
| Lowndes County Georgia | 1 | $ 155,000 | $ 155,000 | $ 44,000 |
| Polk County Georgia | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
| Fayette County Indiana | 1 | $ 185,000 | $ 185,000 | $ 61,000 |
| Lake County Indiana | 1 | $ 215,000 | $ 215,000 | $ 89,000 |
| Clinton County Iowa | 1 | $ 135,000 | $ 135,000 | $ 77,000 |
| Johnson County Iowa | 1 | $ 245,000 | $ 245,000 | $ 75,000 |
| Alexander County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 123,000 |
| Cumberland County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 45,000 |
| Wilson County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 38,000 |
| Clark County Ohio | 1 | $ 215,000 | $ 215,000 | $ 227,000 |
| Preble County Ohio | 1 | $ 95,000 | $ 95,000 | $ 48,000 |
| Benton County Oregon | 1 | $ 385,000 | $ 385,000 | $ 56,000 |
| Lane County Oregon | 1 | $ 285,000 | $ 285,000 | $ 91,000 |
| Lincoln County Oregon | 1 | $ 235,000 | $ 235,000 | $ 63,000 |
| Greene County Tennessee | 1 | $ 285,000 | $ 285,000 | $ 120,000 |
| Taylor County Texas | 1 | $ 145,000 | $ 145,000 | $ 131,000 |
| Pierce County Washington | 1 | $ 455,000 | $ 455,000 | $ 104,000 |
Mortgage Loan Application Detail Totals for Inspire Home Loans Inc. in 2021
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 | 9,756 | $3,279,320,000 | $336,000 | $1,745,000 | $111,000 | $5,250,000 |
| Refinancing | 529 | $177,315,000 | $335,000 | $1,465,000 | $107,000 | $1,407,000 |
| Cash-out Refinancing | 212 | $72,360,000 | $341,000 | $925,000 | $100,000 | $957,000 |
| Home Improvement | 34 | $9,570,000 | $281,000 | $885,000 | $90,000 | $258,000 |
| 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 | 3,526 | $1,159,860,000 | $328,000 | $1,745,000 | $111,000 | $5,250,000 |
| Hispanic | 2,390 | $774,790,000 | $324,000 | $1,045,000 | $86,000 | $474,000 |
| Black or African American | 1,513 | $429,165,000 | $283,000 | $905,000 | $81,000 | $979,000 |
| Asian | 1,507 | $613,675,000 | $407,000 | $1,345,000 | $156,000 | $2,637,000 |
| Not Provided | 961 | $311,425,000 | $324,000 | $1,065,000 | $119,000 | $1,049,000 |
| American Indian or Alaskan Native | 78 | $24,700,000 | $316,000 | $895,000 | $119,000 | $734,000 |
| Native Hawaiian or Other Pacific Islander | 25 | $8,745,000 | $349,000 | $545,000 | $91,000 | $231,000 |
| 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) | 6,647 | $2,355,705,000 | $354,000 | $1,745,000 | $130,000 | $5,250,000 |
| FHA-insured (Federal Housing Administration) | 2,675 | $760,115,000 | $284,000 | $835,000 | $74,000 | $414,000 |
| VA-guaranteed (Veterans Administration) | 1,023 | $380,715,000 | $372,000 | $1,225,000 | $90,000 | $385,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 186 | $42,030,000 | $225,000 | $575,000 | $60,000 | $148,000 |
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 | 8,091 | $2,712,605,000 | $335,000 | $1,745,000 | $112,000 | $2,637,000 |
| Application Withdrawn By Applicant | 1,243 | $426,005,000 | $342,000 | $1,575,000 | $111,000 | $2,637,000 |
| Application Approved But Not Accepted | 774 | $267,420,000 | $345,000 | $1,105,000 | $122,000 | $5,250,000 |
| Application Denied By Financial Institution | 380 | $118,990,000 | $313,000 | $1,345,000 | $73,000 | $497,000 |
| File Closed For Incompleteness | 43 | $13,545,000 | $315,000 | $825,000 | $101,000 | $360,000 |
| 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 | 10,151 | $3,419,575,000 | $336,000 | $1,745,000 | $112,000 | $5,250,000 |
| Debt-To-Income Ratio | 210 | $65,660,000 | $312,000 | $1,145,000 | $61,000 | $326,000 |
| Credit History | 80 | $24,910,000 | $311,000 | $645,000 | $85,000 | $278,000 |
| Other | 41 | $14,025,000 | $342,000 | $1,345,000 | $100,000 | $352,000 |
| Unverifiable Information | 31 | $9,885,000 | $318,000 | $545,000 | $89,000 | $193,000 |
| Employment History | 9 | $1,965,000 | $218,000 | $365,000 | $47,000 | $69,000 |
| Collateral | 4 | $1,320,000 | $330,000 | $405,000 | $161,000 | $497,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $715,000 | $238,000 | $285,000 | $71,000 | $80,000 |
| Credit Application Incomplete | 2 | $510,000 | $255,000 | $345,000 | $105,000 | $112,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Inspire Home Loans Inc.'s 2021 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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