Inspire Home Loans Inc. Mortgage Lending & HMDA Data, 2024

In 2024, Inspire Home Loans Inc. of Newport Beach, CA reported 10,116 mortgage applications totaling $3.6 billion, up 28% from 2023. The average application was for $354,113, and applicants reported an average income of $124,001. 70% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (758), Houston-The Woodlands-Sugar Land, TX (730) and Atlanta-Sandy Springs-Roswell, GA (688) (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 10,116
Total Mortgage Loan Application Amount $3,582,210,000
Average Mortgage Loan Application Amount $354,113
Highest Mortgage Loan Application Amount $1,115,000
Average Applicant Income $124,001
Highest Applicant Income $3,094,000

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(HMDA) records Inspire Home Loans Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Clark, Nevada 637 $ 278,015,000 $ 436,444 $ 145,000
Pinal, Arizona 504 $ 155,690,000 $ 308,908 $ 94,000
Montgomery, Texas 417 $ 105,475,000 $ 252,937 $ 105,000
Bexar, Texas 316 $ 91,350,000 $ 289,082 $ 99,000
Maricopa, Arizona 254 $ 98,470,000 $ 387,677 $ 106,000
Douglas, Colorado 250 $ 137,390,000 $ 549,560 $ 180,000
Harris, Texas 210 $ 58,700,000 $ 279,523 $ 117,000
Duval, Florida 208 $ 70,670,000 $ 339,759 $ 125,000
Gwinnett, Georgia 187 $ 68,385,000 $ 365,695 $ 156,000
Mohave, Arizona 178 $ 41,640,000 $ 233,932 $ 104,000
Riverside, California 170 $ 81,590,000 $ 479,941 $ 139,000
Dawson, Georgia 157 $ 57,755,000 $ 367,866 $ 201,000
Polk, Florida 154 $ 43,390,000 $ 281,753 $ 81,000
Snohomish, Washington 140 $ 98,470,000 $ 703,357 $ 232,000
Travis, Texas 138 $ 44,860,000 $ 325,072 $ 119,000
Williamson, Texas 138 $ 46,790,000 $ 339,057 $ 163,000
Bibb, Georgia 137 $ 31,655,000 $ 231,058 $ 85,000
Fresno, California 124 $ 51,090,000 $ 412,016 $ 123,000
Weld, Colorado 114 $ 63,460,000 $ 556,666 $ 177,000
Wilson, Tennessee 113 $ 46,545,000 $ 411,902 $ 128,000
Davidson, North Carolina 111 $ 26,625,000 $ 239,864 $ 85,000
Guadalupe, Texas 108 $ 32,630,000 $ 302,129 $ 97,000
Tulare, California 96 $ 36,380,000 $ 378,958 $ 96,000
Citrus, Florida 94 $ 24,210,000 $ 257,553 $ 87,000
Washington, Florida 94 $ 19,240,000 $ 204,680 $ 72,000
Pierce, Washington 90 $ 50,750,000 $ 563,888 $ 165,000
Kaufman, Texas 89 $ 31,375,000 $ 352,528 $ 131,000
Yolo, California 83 $ 42,845,000 $ 516,204 $ 223,000
Florence, South Carolina 83 $ 18,945,000 $ 228,253 $ 87,000
Nassau, Florida 81 $ 27,585,000 $ 340,555 $ 133,000
Sumter, Florida 81 $ 21,325,000 $ 263,271 $ 83,000
DeKalb, Georgia 81 $ 28,985,000 $ 357,839 $ 107,000
Charlotte, Florida 80 $ 23,220,000 $ 290,250 $ 86,000
Clark, Indiana 80 $ 18,300,000 $ 228,750 $ 89,000
Spartanburg, South Carolina 80 $ 17,820,000 $ 222,750 $ 73,000
Catawba, North Carolina 79 $ 20,895,000 $ 264,493 $ 134,000
Merced, California 77 $ 33,305,000 $ 432,532 $ 182,000
Hardin, Kentucky 77 $ 21,305,000 $ 276,688 $ 107,000
Forsyth, Georgia 74 $ 41,910,000 $ 566,351 $ 175,000
Kings, California 73 $ 29,195,000 $ 399,931 $ 107,000
Brevard, Florida 72 $ 20,750,000 $ 288,194 $ 88,000
Bastrop, Texas 72 $ 21,290,000 $ 295,694 $ 93,000
Marion, Florida 71 $ 16,905,000 $ 238,098 $ 87,000
Houston, Georgia 71 $ 17,115,000 $ 241,056 $ 112,000
Lee, Florida 70 $ 20,850,000 $ 297,857 $ 83,000
Los Angeles, California 69 $ 37,425,000 $ 542,391 $ 157,000
Boulder, Colorado 69 $ 45,645,000 $ 661,521 $ 219,000
Solano, California 67 $ 38,785,000 $ 578,880 $ 166,000
Wayne, Michigan 65 $ 20,295,000 $ 312,230 $ 103,000
Union, North Carolina 65 $ 22,685,000 $ 349,000 $ 171,000
Adams, Colorado 61 $ 30,285,000 $ 496,475 $ 147,000
Pitt, North Carolina 60 $ 13,160,000 $ 219,333 $ 71,000
LaPorte, Indiana 59 $ 16,635,000 $ 281,949 $ 102,000
Darlington, South Carolina 59 $ 11,685,000 $ 198,050 $ 70,000
York, South Carolina 56 $ 17,450,000 $ 311,607 $ 102,000
Thurston, Washington 56 $ 27,640,000 $ 493,571 $ 130,000
Cherokee, Georgia 54 $ 31,540,000 $ 584,074 $ 197,000
Hall, Georgia 54 $ 19,050,000 $ 352,777 $ 180,000
Rutherford, Tennessee 54 $ 23,100,000 $ 427,777 $ 124,000
Cochise, Arizona 52 $ 11,890,000 $ 228,653 $ 100,000
Hernando, Florida 52 $ 13,940,000 $ 268,076 $ 94,000
Davidson, Tennessee 51 $ 17,495,000 $ 343,039 $ 133,000
Walton, Georgia 50 $ 14,520,000 $ 290,400 $ 128,000
Broomfield, Colorado 49 $ 21,105,000 $ 430,714 $ 182,000
El Paso, Colorado 49 $ 22,145,000 $ 451,938 $ 129,000
San Benito, California 48 $ 31,410,000 $ 654,375 $ 225,000
San Bernardino, California 48 $ 24,090,000 $ 501,875 $ 171,000
Union, South Carolina 48 $ 10,110,000 $ 210,625 $ 71,000
Kitsap, Washington 48 $ 25,870,000 $ 538,958 $ 186,000
Genesee, Michigan 47 $ 14,445,000 $ 307,340 $ 115,000
Flagler, Florida 46 $ 12,110,000 $ 263,260 $ 86,000
Sarasota, Florida 46 $ 13,540,000 $ 294,347 $ 82,000
Mecklenburg, North Carolina 44 $ 16,160,000 $ 367,272 $ 158,000
Arapahoe, Colorado 43 $ 27,145,000 $ 631,279 $ 190,000
Ellis, Texas 41 $ 13,285,000 $ 324,024 $ 104,000
Henry, Georgia 40 $ 18,270,000 $ 456,750 $ 132,000
Douglas, Georgia 39 $ 13,625,000 $ 349,358 $ 102,000
Maury, Tennessee 39 $ 14,705,000 $ 377,051 $ 125,000
Talladega, Alabama 38 $ 8,330,000 $ 219,210 $ 81,000
Bartow, Georgia 38 $ 9,400,000 $ 247,368 $ 161,000
Lincoln, North Carolina 38 $ 9,120,000 $ 240,000 $ 103,000
Liberty, Texas 38 $ 9,180,000 $ 241,578 $ 85,000
Highlands, Florida 37 $ 9,355,000 $ 252,837 $ 77,000
Walton, Florida 37 $ 9,695,000 $ 262,027 $ 115,000
Placer, California 36 $ 18,030,000 $ 500,833 $ 166,000
Hendry, Florida 36 $ 9,650,000 $ 268,055 $ 84,000
Fort Bend, Texas 36 $ 10,190,000 $ 283,055 $ 127,000
San Diego, California 35 $ 24,785,000 $ 708,142 $ 268,000
Putnam, Florida 35 $ 7,845,000 $ 224,142 $ 85,000
Santa Rosa, Florida 34 $ 8,680,000 $ 255,294 $ 80,000
Anderson, South Carolina 34 $ 7,770,000 $ 228,529 $ 78,000
Dallas, Texas 34 $ 10,160,000 $ 298,823 $ 95,000
Sonoma, California 33 $ 20,105,000 $ 609,242 $ 209,000
Brazos, Texas 33 $ 8,665,000 $ 262,575 $ 117,000
Grimes, Texas 33 $ 8,035,000 $ 243,484 $ 83,000
Davie, North Carolina 32 $ 6,460,000 $ 201,875 $ 138,000
Larimer, Colorado 30 $ 14,440,000 $ 481,333 $ 191,000
Utah, Utah 30 $ 16,670,000 $ 555,666 $ 167,000
Madison, Alabama 29 $ 7,525,000 $ 259,482 $ 90,000
Effingham, Georgia 29 $ 8,015,000 $ 276,379 $ 120,000
East Baton Rouge, Louisiana 29 $ 7,135,000 $ 246,034 $ 71,000
San Joaquin, California 28 $ 16,220,000 $ 579,285 $ 248,000
Denver, Colorado 28 $ 13,540,000 $ 483,571 $ 176,000
Rockwall, Texas 28 $ 7,790,000 $ 278,214 $ 172,000
Weber, Utah 28 $ 13,950,000 $ 498,214 $ 130,000
Madera, California 27 $ 11,055,000 $ 409,444 $ 115,000
Indian River, Florida 26 $ 7,280,000 $ 280,000 $ 82,000
Camden, Georgia 26 $ 7,480,000 $ 287,692 $ 96,000
Cleveland, North Carolina 26 $ 6,350,000 $ 244,230 $ 76,000
Cheatham, Tennessee 26 $ 9,140,000 $ 351,538 $ 118,000
Edgecombe, North Carolina 25 $ 5,095,000 $ 203,800 $ 121,000
Cherokee, South Carolina 25 $ 5,565,000 $ 222,600 $ 77,000
King, Washington 24 $ 16,590,000 $ 691,250 $ 225,000
Marshall, Alabama 23 $ 5,045,000 $ 219,347 $ 68,000
Iberia, Louisiana 23 $ 4,755,000 $ 206,739 $ 66,000
Baldwin, Alabama 22 $ 5,760,000 $ 261,818 $ 145,000
Calcasieu, Louisiana 22 $ 4,610,000 $ 209,545 $ 85,000
Monroe, Michigan 21 $ 6,235,000 $ 296,904 $ 122,000
Newton, Georgia 20 $ 6,440,000 $ 322,000 $ 73,000
Berrien, Michigan 20 $ 5,160,000 $ 258,000 $ 95,000
Oakland, Michigan 18 $ 5,140,000 $ 285,555 $ 89,000
Caldwell, North Carolina 18 $ 4,350,000 $ 241,666 $ 102,000
Elbert, Colorado 16 $ 7,720,000 $ 482,500 $ 112,000
Osceola, Florida 15 $ 4,615,000 $ 307,666 $ 81,000
Lamar, Georgia 15 $ 3,945,000 $ 263,000 $ 81,000
Peach, Georgia 15 $ 2,995,000 $ 199,666 $ 57,000
Porter, Indiana 15 $ 4,385,000 $ 292,333 $ 93,000
Laurens, South Carolina 15 $ 3,165,000 $ 211,000 $ 73,000
Brazoria, Texas 15 $ 4,525,000 $ 301,666 $ 88,000
Limestone, Alabama 14 $ 3,370,000 $ 240,714 $ 77,000
McIntosh, Georgia 14 $ 3,150,000 $ 225,000 $ 96,000
Bullitt, Kentucky 14 $ 3,670,000 $ 262,142 $ 91,000
Oconee, South Carolina 14 $ 3,540,000 $ 252,857 $ 89,000
St. Lucie, Florida 13 $ 3,615,000 $ 278,076 $ 86,000
Clayton, Georgia 13 $ 4,075,000 $ 313,461 $ 82,000
Meriwether, Georgia 13 $ 3,645,000 $ 280,384 $ 98,000
Alamance, North Carolina 13 $ 3,745,000 $ 288,076 $ 91,000
Randolph, North Carolina 13 $ 2,705,000 $ 208,076 $ 128,000
Hays, Texas 13 $ 3,435,000 $ 264,230 $ 128,000
Parker, Texas 13 $ 3,385,000 $ 260,384 $ 95,000
Montgomery, Ohio 12 $ 2,830,000 $ 235,833 $ 83,000
Pickens, South Carolina 12 $ 2,710,000 $ 225,833 $ 72,000
Iredell, North Carolina 11 $ 3,455,000 $ 314,090 $ 141,000
Chambers, Texas 11 $ 4,815,000 $ 437,727 $ 130,000
Walker, Texas 11 $ 2,395,000 $ 217,727 $ 79,000
Davis, Utah 11 $ 5,745,000 $ 522,272 $ 126,000
Jefferson, Alabama 10 $ 2,630,000 $ 263,000 $ 81,000
Scott, Indiana 10 $ 1,470,000 $ 147,000 $ 68,000
Guilford, North Carolina 10 $ 2,500,000 $ 250,000 $ 105,000
Jones, Georgia 9 $ 1,875,000 $ 208,333 $ 77,000
Brunswick, North Carolina 9 $ 2,215,000 $ 246,111 $ 86,000
Stokes, North Carolina 9 $ 2,005,000 $ 222,777 $ 58,000
Johnson, Texas 9 $ 2,525,000 $ 280,555 $ 90,000
Butts, Georgia 8 $ 2,050,000 $ 256,250 $ 67,000
Whatcom, Washington 8 $ 4,000,000 $ 500,000 $ 279,000
Sacramento, California 7 $ 3,125,000 $ 446,428 $ 117,000
Stephens, Georgia 7 $ 1,785,000 $ 255,000 $ 75,000
Rowan, North Carolina 7 $ 2,945,000 $ 420,714 $ 210,000
Volusia, Florida 6 $ 1,790,000 $ 298,333 $ 73,000
Fulton, Georgia 6 $ 2,660,000 $ 443,333 $ 150,000
Troup, Georgia 6 $ 1,630,000 $ 271,666 $ 67,000
Kalamazoo, Michigan 6 $ 1,470,000 $ 245,000 $ 114,000
Kent, Michigan 6 $ 2,030,000 $ 338,333 $ 106,000
Nash, North Carolina 6 $ 1,350,000 $ 225,000 $ 139,000
Van Buren, Michigan 4 $ 1,240,000 $ 310,000 $ 89,000
Bay, Florida 3 $ 805,000 $ 268,333 $ 121,000
St. Johns, Florida 3 $ 885,000 $ 295,000 $ 176,000
Galveston, Texas 3 $ 905,000 $ 301,666 $ 122,000
St. Clair, Alabama 2 $ 400,000 $ 200,000 $ 66,000
Walker, Alabama 2 $ 370,000 $ 185,000 $ 53,000
Baker, Florida 2 $ 540,000 $ 270,000 $ 87,000
Paulding, Georgia 2 $ 620,000 $ 310,000 $ 88,000
Laurens, Georgia 1 $ 215,000 $ 215,000 $ 50,000
Harrison, Indiana 1 $ 305,000 $ 305,000 $ 105,000
Meade, Kentucky 1 $ 185,000 $ 185,000 $ 80,000
Lafayette, Louisiana 1 $ 195,000 $ 195,000 $ 79,000
Cabarrus, North Carolina 1 $ 435,000 $ 435,000 $ 160,000
Wilson, North Carolina 1 $ 245,000 $ 245,000 $ 87,000

Mortgage Loan Application Detail Totals for Inspire Home Loans Inc. in 2024

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 10,107 $3,579,205,000 $354,000 $1,115,000 $124,000 $3,094,000
Refinancing 8 $2,860,000 $357,000 $545,000 $125,000 $212,000
Cash-out Refinancing 1 $145,000 $145,000 $145,000 $134,000 $134,000
Home Improvement 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 3,396 $1,150,590,000 $338,000 $1,075,000 $118,000 $1,977,000
Hispanic 2,393 $816,215,000 $341,000 $1,115,000 $105,000 $2,216,000
Asian 1,681 $729,135,000 $433,000 $1,095,000 $176,000 $3,094,000
Black or African American 1,430 $455,080,000 $318,000 $985,000 $99,000 $900,000
Not Provided 1,115 $397,375,000 $356,000 $995,000 $138,000 $1,875,000
American Indian or Alaskan Native 72 $22,590,000 $313,000 $645,000 $106,000 $237,000
Native Hawaiian or Other Pacific Islander 29 $11,225,000 $387,000 $595,000 $100,000 $194,000
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) 4,859 $1,639,905,000 $337,000 $995,000 $99,000 $1,061,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 3,579 $1,329,005,000 $371,000 $1,095,000 $165,000 $3,094,000
VA-guaranteed (Veterans Administration) 1,526 $574,470,000 $376,000 $1,115,000 $109,000 $729,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 152 $38,830,000 $255,000 $375,000 $83,000 $157,000

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 7,048 $2,552,730,000 $362,000 $1,115,000 $129,000 $2,216,000
Application Denied By Financial Institution 1,211 $415,905,000 $343,000 $1,075,000 $86,000 $1,888,000
Application Withdrawn By Applicant 1,202 $386,710,000 $321,000 $1,095,000 $125,000 $3,094,000
Application Approved But Not Accepted 595 $205,185,000 $344,000 $965,000 $128,000 $1,677,000
File Closed For Incompleteness 60 $21,680,000 $361,000 $1,105,000 $166,000 $600,000
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 8,905 $3,166,305,000 $355,000 $1,115,000 $129,000 $3,094,000
Debt-To-Income Ratio 818 $286,840,000 $350,000 $1,075,000 $75,000 $393,000
Credit History 162 $51,070,000 $315,000 $635,000 $101,000 $684,000
Other 123 $41,565,000 $337,000 $805,000 $136,000 $1,888,000
Unverifiable Information 62 $20,410,000 $329,000 $545,000 $92,000 $315,000
Employment History 29 $9,845,000 $339,000 $625,000 $77,000 $205,000
Credit Application Incomplete 10 $3,670,000 $367,000 $615,000 $107,000 $143,000
Collateral 6 $2,070,000 $345,000 $575,000 $92,000 $215,000
Insufficient Cash (Downpayment, Closing Cost) 1 $435,000 $435,000 $435,000 $82,000 $82,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Inspire Home Loans Inc.'s 2024 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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