Inspire Home Loans Inc. Mortgage Lending & HMDA Data, 2022

In 2022, Inspire Home Loans Inc. of Newport Beach, CA reported 9,133 mortgage applications totaling $3.3 billion, down 13% from 2021. The average application was for $363,268, and applicants reported an average income of $120,318. 62% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (958), Houston-The Woodlands-Sugar Land, TX (733) and Phoenix-Mesa-Scottsdale, AZ (710) (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 9,133
Total Mortgage Loan Application Amount $3,317,735,000
Average Mortgage Loan Application Amount $363,268
Highest Mortgage Loan Application Amount $1,845,000
Average Applicant Income $120,318
Highest Applicant Income $1,722,000

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(HMDA) records Inspire Home Loans Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Clark, Nevada 601 $ 249,185,000 $ 414,617 $ 119,000
Fresno, California 416 $ 178,250,000 $ 428,485 $ 137,000
Pinal, Arizona 412 $ 103,730,000 $ 251,771 $ 91,000
Douglas, Colorado 339 $ 176,695,000 $ 521,224 $ 155,000
Montgomery, Texas 306 $ 76,920,000 $ 251,372 $ 95,000
Maricopa, Arizona 298 $ 103,570,000 $ 347,550 $ 107,000
Gwinnett, Georgia 215 $ 88,355,000 $ 410,953 $ 129,000
Fort Bend, Texas 214 $ 68,850,000 $ 321,728 $ 126,000
Harris, Texas 211 $ 59,815,000 $ 283,483 $ 119,000
Union, North Carolina 196 $ 63,130,000 $ 322,091 $ 161,000
Williamson, Texas 187 $ 66,715,000 $ 356,764 $ 172,000
Mohave, Arizona 167 $ 36,985,000 $ 221,467 $ 88,000
Bexar, Texas 164 $ 46,400,000 $ 282,926 $ 105,000
Spartanburg, South Carolina 152 $ 33,830,000 $ 222,565 $ 76,000
Rutherford, Tennessee 147 $ 54,395,000 $ 370,034 $ 107,000
San Joaquin, California 141 $ 95,445,000 $ 676,914 $ 193,000
Paulding, Georgia 136 $ 48,130,000 $ 353,897 $ 114,000
Thurston, Washington 133 $ 64,245,000 $ 483,045 $ 137,000
Walton, Florida 129 $ 33,595,000 $ 260,426 $ 90,000
Adams, Colorado 128 $ 70,310,000 $ 549,296 $ 180,000
Fulton, Georgia 125 $ 53,495,000 $ 427,960 $ 134,000
El Paso, Colorado 122 $ 54,260,000 $ 444,754 $ 111,000
Guadalupe, Texas 119 $ 33,225,000 $ 279,201 $ 140,000
San Bernardino, California 118 $ 58,960,000 $ 499,661 $ 151,000
Contra Costa, California 110 $ 79,340,000 $ 721,272 $ 218,000
Riverside, California 105 $ 50,775,000 $ 483,571 $ 128,000
Fayette, Georgia 104 $ 42,970,000 $ 413,173 $ 163,000
Rowan, North Carolina 94 $ 19,610,000 $ 208,617 $ 147,000
Utah, Utah 94 $ 51,350,000 $ 546,276 $ 150,000
Wilson, Tennessee 91 $ 24,775,000 $ 272,252 $ 121,000
Alameda, California 89 $ 71,735,000 $ 806,011 $ 248,000
Weld, Colorado 88 $ 44,880,000 $ 510,000 $ 168,000
Davidson, Tennessee 88 $ 29,890,000 $ 339,659 $ 89,000
Elbert, Colorado 87 $ 43,005,000 $ 494,310 $ 113,000
Mecklenburg, North Carolina 87 $ 30,285,000 $ 348,103 $ 147,000
Snohomish, Washington 82 $ 47,870,000 $ 583,780 $ 135,000
Madera, California 78 $ 29,000,000 $ 371,794 $ 106,000
Salt Lake, Utah 74 $ 42,260,000 $ 571,081 $ 141,000
Davis, Utah 72 $ 36,360,000 $ 505,000 $ 134,000
Arapahoe, Colorado 69 $ 41,735,000 $ 604,855 $ 191,000
Bibb, Georgia 67 $ 14,305,000 $ 213,507 $ 95,000
Lamar, Georgia 67 $ 14,635,000 $ 218,432 $ 71,000
Merced, California 64 $ 24,710,000 $ 386,093 $ 141,000
Carroll, Georgia 64 $ 16,070,000 $ 251,093 $ 90,000
Hernando, Florida 63 $ 16,345,000 $ 259,444 $ 93,000
Lee, Florida 59 $ 15,125,000 $ 256,355 $ 89,000
Edgecombe, North Carolina 58 $ 12,690,000 $ 218,793 $ 74,000
Sumner, Tennessee 58 $ 16,380,000 $ 282,413 $ 103,000
Polk, Florida 53 $ 14,025,000 $ 264,622 $ 93,000
Davidson, North Carolina 53 $ 12,795,000 $ 241,415 $ 76,000
Forsyth, Georgia 49 $ 24,885,000 $ 507,857 $ 135,000
Jones, Georgia 47 $ 9,095,000 $ 193,510 $ 99,000
Barrow, Georgia 46 $ 16,390,000 $ 356,304 $ 136,000
Cherokee, Georgia 46 $ 23,740,000 $ 516,086 $ 149,000
Wayne, Michigan 46 $ 13,280,000 $ 288,695 $ 110,000
Bartow, Georgia 45 $ 12,075,000 $ 268,333 $ 79,000
Florence, South Carolina 45 $ 9,725,000 $ 216,111 $ 64,000
Houston, Georgia 43 $ 10,925,000 $ 254,069 $ 77,000
Oakland, Michigan 41 $ 9,745,000 $ 237,682 $ 74,000
Baker, Florida 40 $ 10,590,000 $ 264,750 $ 73,000
Charlotte, Florida 40 $ 10,060,000 $ 251,500 $ 80,000
Citrus, Florida 40 $ 9,140,000 $ 228,500 $ 88,000
Troup, Georgia 40 $ 10,060,000 $ 251,500 $ 78,000
Robertson, Tennessee 37 $ 13,315,000 $ 359,864 $ 106,000
Genesee, Michigan 34 $ 8,000,000 $ 235,294 $ 90,000
Iredell, North Carolina 33 $ 6,575,000 $ 199,242 $ 58,000
Parker, Texas 33 $ 8,145,000 $ 246,818 $ 73,000
Suwannee, Florida 31 $ 7,135,000 $ 230,161 $ 79,000
Douglas, Georgia 30 $ 7,110,000 $ 237,000 $ 85,000
Vance, North Carolina 30 $ 7,540,000 $ 251,333 $ 106,000
Los Angeles, California 29 $ 12,905,000 $ 445,000 $ 131,000
Putnam, Florida 29 $ 6,275,000 $ 216,379 $ 85,000
Brazos, Texas 29 $ 6,425,000 $ 221,551 $ 150,000
Pierce, Washington 29 $ 16,065,000 $ 553,965 $ 141,000
Sarasota, Florida 28 $ 6,910,000 $ 246,785 $ 80,000
Sumter, Florida 28 $ 7,310,000 $ 261,071 $ 65,000
Brevard, Florida 27 $ 6,765,000 $ 250,555 $ 85,000
St. Lucie, Florida 26 $ 6,950,000 $ 267,307 $ 76,000
Catawba, North Carolina 26 $ 6,320,000 $ 243,076 $ 77,000
King, Washington 25 $ 21,085,000 $ 843,400 $ 238,000
Kitsap, Washington 25 $ 11,555,000 $ 462,200 $ 147,000
Flagler, Florida 24 $ 6,100,000 $ 254,166 $ 84,000
Santa Rosa, Florida 24 $ 5,870,000 $ 244,583 $ 71,000
Brunswick, North Carolina 24 $ 5,850,000 $ 243,750 $ 86,000
Cochise, Arizona 23 $ 4,815,000 $ 209,347 $ 79,000
Porter, Indiana 21 $ 5,835,000 $ 277,857 $ 100,000
Clark, Ohio 21 $ 4,715,000 $ 224,523 $ 94,000
Cleveland, North Carolina 20 $ 4,830,000 $ 241,500 $ 69,000
Guilford, North Carolina 20 $ 4,830,000 $ 241,500 $ 84,000
Beaufort, South Carolina 20 $ 4,910,000 $ 245,500 $ 92,000
Greenville, South Carolina 20 $ 5,360,000 $ 268,000 $ 100,000
Alachua, Florida 19 $ 4,555,000 $ 239,736 $ 79,000
Greene, Ohio 19 $ 4,405,000 $ 231,842 $ 79,000
York, South Carolina 19 $ 6,685,000 $ 351,842 $ 96,000
Imperial, California 18 $ 4,900,000 $ 272,222 $ 102,000
Jackson, Georgia 18 $ 5,990,000 $ 332,777 $ 114,000
Scott, Indiana 18 $ 3,580,000 $ 198,888 $ 90,000
Pickaway, Ohio 18 $ 4,170,000 $ 231,666 $ 80,000
Meriwether, Georgia 17 $ 4,795,000 $ 282,058 $ 89,000
Washtenaw, Michigan 17 $ 4,895,000 $ 287,941 $ 103,000
Solano, California 16 $ 8,380,000 $ 523,750 $ 168,000
Bay, Florida 16 $ 4,280,000 $ 267,500 $ 75,000
Murray, Georgia 16 $ 3,020,000 $ 188,750 $ 63,000
Laurens, South Carolina 16 $ 3,110,000 $ 194,375 $ 55,000
Hays, Texas 16 $ 5,180,000 $ 323,750 $ 108,000
Osceola, Florida 15 $ 4,525,000 $ 301,666 $ 73,000
Bullitt, Kentucky 15 $ 4,115,000 $ 274,333 $ 80,000
Alamance, North Carolina 15 $ 4,385,000 $ 292,333 $ 113,000
Georgetown, South Carolina 15 $ 3,055,000 $ 203,666 $ 84,000
Comal, Texas 15 $ 4,595,000 $ 306,333 $ 136,000
Davie, North Carolina 14 $ 3,100,000 $ 221,428 $ 92,000
Walker, Texas 14 $ 3,220,000 $ 230,000 $ 75,000
Nassau, Florida 13 $ 2,885,000 $ 221,923 $ 73,000
Wayne, Indiana 13 $ 2,595,000 $ 199,615 $ 125,000
Jefferson, Alabama 12 $ 3,100,000 $ 258,333 $ 87,000
Columbia, Florida 12 $ 3,100,000 $ 258,333 $ 97,000
Montgomery, Ohio 12 $ 2,680,000 $ 223,333 $ 88,000
Kaufman, Texas 12 $ 4,630,000 $ 385,833 $ 138,000
Pitt, North Carolina 11 $ 2,815,000 $ 255,909 $ 67,000
Lake, Indiana 10 $ 2,750,000 $ 275,000 $ 95,000
Newton, Georgia 9 $ 2,555,000 $ 283,888 $ 67,000
Nash, North Carolina 9 $ 2,205,000 $ 245,000 $ 77,000
Okaloosa, Florida 8 $ 2,140,000 $ 267,500 $ 77,000
Shiawassee, Michigan 8 $ 1,780,000 $ 222,500 $ 90,000
Burke, North Carolina 8 $ 1,760,000 $ 220,000 $ 66,000
Randolph, North Carolina 8 $ 1,760,000 $ 220,000 $ 82,000
Randolph, Indiana 7 $ 1,445,000 $ 206,428 $ 79,000
Alexander, North Carolina 7 $ 1,425,000 $ 203,571 $ 78,000
Greene, North Carolina 7 $ 1,415,000 $ 202,142 $ 60,000
Polk, Texas 7 $ 1,415,000 $ 202,142 $ 71,000
Jefferson, Colorado 6 $ 2,700,000 $ 450,000 $ 132,000
Volusia, Florida 6 $ 1,460,000 $ 243,333 $ 81,000
Camden, Georgia 6 $ 1,470,000 $ 245,000 $ 71,000
Fayette, Indiana 6 $ 1,160,000 $ 193,333 $ 57,000
Pickens, South Carolina 6 $ 1,140,000 $ 190,000 $ 44,000
Lapeer, Michigan 5 $ 965,000 $ 193,000 $ 71,000
Forsyth, North Carolina 5 $ 965,000 $ 193,000 $ 94,000
Lenoir, North Carolina 5 $ 1,115,000 $ 223,000 $ 91,000
Anderson, South Carolina 5 $ 1,075,000 $ 215,000 $ 56,000
DeKalb, Georgia 4 $ 1,950,000 $ 487,500 $ 140,000
Etowah, Alabama 3 $ 555,000 $ 185,000 $ 76,000
Delaware, Indiana 3 $ 675,000 $ 225,000 $ 93,000
Travis, Texas 3 $ 865,000 $ 288,333 $ 131,000
Baldwin, Alabama 2 $ 280,000 $ 140,000 $ 68,000
San Diego, California 2 $ 1,810,000 $ 905,000 $ 245,000
Hendry, Florida 2 $ 480,000 $ 240,000 $ 59,000
Glynn, Georgia 2 $ 490,000 $ 245,000 $ 177,000
Liberty, Georgia 2 $ 460,000 $ 230,000 $ 67,000
Clark, Indiana 2 $ 420,000 $ 210,000 $ 58,000
Grant, Indiana 2 $ 380,000 $ 190,000 $ 75,000
Jay, Indiana 2 $ 330,000 $ 165,000 $ 59,000
Fayette, Ohio 2 $ 450,000 $ 225,000 $ 57,000
Oconee, South Carolina 2 $ 510,000 $ 255,000 $ 74,000
Matagorda, Texas 2 $ 490,000 $ 245,000 $ 127,000
Waller, Texas 2 $ 390,000 $ 195,000 $ 79,000
La Paz, Arizona 1 $ 295,000 $ 295,000 $ 161,000
San Benito, California 1 $ 915,000 $ 915,000 $ 369,000
Stanislaus, California 1 $ 515,000 $ 515,000 $ 105,000
Tulare, California 1 $ 245,000 $ 245,000 $ 42,000
Yuba, California 1 $ 265,000 $ 265,000 $ 67,000
Indian River, Florida 1 $ 225,000 $ 225,000 $ 67,000
Banks, Georgia 1 $ 425,000 $ 425,000 $ 95,000
Cobb, Georgia 1 $ 505,000 $ 505,000 $ 239,000
Floyd, Georgia 1 $ 195,000 $ 195,000 $ 40,000
Lumpkin, Georgia 1 $ 425,000 $ 425,000 $ 0
Washoe, Nevada 1 $ 175,000 $ 175,000 $ 129,000
Granville, North Carolina 1 $ 255,000 $ 255,000 $ 82,000
Johnston, North Carolina 1 $ 235,000 $ 235,000 $ 32,000
Wake, North Carolina 1 $ 435,000 $ 435,000 $ 0
Burleson, Texas 1 $ 145,000 $ 145,000 $ 71,000
Tarrant, Texas 1 $ 605,000 $ 605,000 $ 0
Tooele, Utah 1 $ 125,000 $ 125,000 $ 23,000
Grays Harbor, Washington 1 $ 945,000 $ 945,000 $ 331,000
Whatcom, Washington 1 $ 205,000 $ 205,000 $ 167,000

Mortgage Loan Application Detail Totals for Inspire Home Loans Inc. in 2022

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 9,108 $3,308,810,000 $363,000 $1,845,000 $120,000 $1,300,000
Refinancing 14 $4,880,000 $348,000 $825,000 $324,000 $1,722,000
Cash-out Refinancing 9 $3,215,000 $357,000 $575,000 $101,000 $197,000
Home Improvement 2 $830,000 $415,000 $485,000 $230,000 $308,000
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 3,151 $1,092,045,000 $346,000 $1,285,000 $111,000 $1,260,000
Asian 1,575 $696,285,000 $442,000 $1,845,000 $164,000 $1,722,000
Hispanic 1,474 $495,340,000 $336,000 $1,025,000 $100,000 $502,000
Black or African American 1,400 $445,450,000 $318,000 $775,000 $93,000 $902,000
Not Provided 1,000 $355,160,000 $355,000 $1,625,000 $124,000 $831,000
American Indian or Alaskan Native 59 $19,345,000 $327,000 $625,000 $98,000 $239,000
Native Hawaiian or Other Pacific Islander 18 $7,970,000 $442,000 $615,000 $145,000 $514,000
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) 5,453 $2,111,015,000 $387,000 $1,845,000 $141,000 $1,722,000
FHA-insured (Federal Housing Administration) 2,441 $745,745,000 $305,000 $875,000 $86,000 $762,000
VA-guaranteed (Veterans Administration) 1,119 $429,865,000 $384,000 $1,205,000 $95,000 $290,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 120 $31,110,000 $259,000 $555,000 $76,000 $156,000

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 5,692 $2,051,400,000 $360,000 $1,625,000 $121,000 $1,260,000
Application Approved But Not Accepted 1,829 $714,525,000 $390,000 $1,625,000 $132,000 $1,722,000
Application Withdrawn By Applicant 949 $317,615,000 $334,000 $1,845,000 $116,000 $1,300,000
Application Denied By Financial Institution 627 $222,695,000 $355,000 $1,445,000 $85,000 $387,000
File Closed For Incompleteness 36 $11,500,000 $319,000 $1,415,000 $95,000 $434,000
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 8,506 $3,095,040,000 $363,000 $1,845,000 $123,000 $1,722,000
Debt-To-Income Ratio 378 $133,740,000 $353,000 $1,445,000 $74,000 $381,000
Other 86 $29,770,000 $346,000 $875,000 $110,000 $300,000
Credit History 81 $29,365,000 $362,000 $935,000 $103,000 $387,000
Unverifiable Information 50 $18,890,000 $377,000 $1,245,000 $88,000 $239,000
Employment History 23 $7,885,000 $342,000 $645,000 $87,000 $209,000
Collateral 4 $1,280,000 $320,000 $395,000 $79,000 $85,000
Insufficient Cash (Downpayment, Closing Cost) 3 $875,000 $291,000 $325,000 $83,000 $106,000
Credit Application Incomplete 2 $890,000 $445,000 $465,000 $81,000 $87,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Inspire Home Loans Inc.'s 2022 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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