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(HMDA) records Inspire Home Loans Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Houston-The Woodlands-Sugar Land, TX | 760 | $ 213,120,000 | $ 280,421 | $ 110,000 |
| Phoenix-Mesa-Scottsdale, AZ | 611 | $ 206,175,000 | $ 337,438 | $ 95,000 |
| Atlanta-Sandy Springs-Roswell, GA | 475 | $ 191,465,000 | $ 403,084 | $ 134,000 |
| Las Vegas-Henderson-Paradise, NV | 456 | $ 204,980,000 | $ 449,517 | $ 152,000 |
| Outside any metro area | 455 | $ 124,035,000 | $ 272,604 | $ 90,931 |
| San Antonio-New Braunfels, TX | 352 | $ 105,880,000 | $ 300,795 | $ 101,000 |
| Denver-Aurora-Lakewood, CO | 350 | $ 181,750,000 | $ 519,285 | $ 166,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 296 | $ 124,780,000 | $ 421,554 | $ 131,000 |
| Austin-Round Rock, TX | 290 | $ 91,360,000 | $ 315,034 | $ 120,000 |
| Jacksonville, FL | 265 | $ 87,795,000 | $ 331,301 | $ 118,000 |
| Riverside-San Bernardino-Ontario, CA | 255 | $ 133,235,000 | $ 522,490 | $ 167,000 |
| Charlotte-Concord-Gastonia, NC-SC | 213 | $ 76,935,000 | $ 361,197 | $ 128,690 |
| Lake Havasu City-Kingman, AZ | 197 | $ 47,825,000 | $ 242,766 | $ 101,000 |
| Fresno, CA | 177 | $ 71,825,000 | $ 405,790 | $ 122,000 |
| Provo-Orem, UT | 144 | $ 66,230,000 | $ 459,930 | $ 125,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 141 | $ 66,495,000 | $ 471,595 | $ 210,000 |
| Dallas-Plano-Irving, TX | 139 | $ 49,125,000 | $ 353,417 | $ 119,000 |
| Lakeland-Winter Haven, FL | 131 | $ 35,935,000 | $ 274,312 | $ 79,000 |
| Panama City, FL | 131 | $ 29,695,000 | $ 226,679 | $ 77,000 |
| Winston-Salem, NC | 120 | $ 29,720,000 | $ 247,666 | $ 89,000 |
| Macon-Bibb County, GA | 119 | $ 27,045,000 | $ 227,268 | $ 83,000 |
| Greeley, CO | 106 | $ 56,600,000 | $ 533,962 | $ 151,000 |
| Punta Gorda, FL | 100 | $ 27,370,000 | $ 273,700 | $ 78,000 |
| Ocala, FL | 98 | $ 23,830,000 | $ 243,163 | $ 81,000 |
| Bremerton-Silverdale, WA | 95 | $ 52,055,000 | $ 547,947 | $ 211,000 |
| Spartanburg, SC | 94 | $ 21,620,000 | $ 230,000 | $ 73,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 93 | $ 29,295,000 | $ 315,000 | $ 147,000 |
| Merced, CA | 91 | $ 36,715,000 | $ 403,461 | $ 195,000 |
| Hickory-Lenoir-Morganton, NC | 89 | $ 21,875,000 | $ 245,786 | $ 133,000 |
| Visalia-Porterville, CA | 88 | $ 33,380,000 | $ 379,318 | $ 94,000 |
| Everett, WA | 83 | $ 57,275,000 | $ 690,060 | $ 220,000 |
| Gainesville, GA | 82 | $ 28,710,000 | $ 350,121 | $ 146,000 |
| Stockton-Lodi, CA | 76 | $ 43,660,000 | $ 574,473 | $ 318,000 |
| Huntsville, AL | 75 | $ 17,275,000 | $ 230,333 | $ 85,000 |
| Warner Robins, GA | 73 | $ 19,175,000 | $ 262,671 | $ 122,000 |
| Boulder, CO | 72 | $ 48,120,000 | $ 668,333 | $ 224,000 |
| Florence, SC | 71 | $ 15,005,000 | $ 211,338 | $ 81,000 |
| Homosassa Springs, FL | 69 | $ 16,475,000 | $ 238,768 | $ 82,000 |
| Prescott Valley-Prescott, AZ | 68 | $ 22,620,000 | $ 332,647 | $ 123,000 |
| Sebring, FL | 64 | $ 15,420,000 | $ 240,937 | $ 82,000 |
| Tampa, FL | 64 | $ 17,930,000 | $ 280,156 | $ 83,000 |
| Louisville/Jefferson County, KY-IN | 61 | $ 14,245,000 | $ 233,524 | $ 107,737 |
| Greenville, NC | 60 | $ 11,870,000 | $ 197,833 | $ 94,000 |
| Elizabethtown-Fort Knox, KY | 55 | $ 14,375,000 | $ 261,363 | $ 108,000 |
| Palm Bay-Melbourne-Titusville, FL | 54 | $ 15,620,000 | $ 289,259 | $ 86,000 |
| Cape Coral-Fort Myers, FL | 53 | $ 15,295,000 | $ 288,584 | $ 75,000 |
| Sierra Vista-Douglas, AZ | 51 | $ 11,355,000 | $ 222,647 | $ 87,000 |
| Los Angeles-Long Beach-Glendale, CA | 50 | $ 27,350,000 | $ 547,000 | $ 159,000 |
| Sebastian-Vero Beach, FL | 50 | $ 14,850,000 | $ 297,000 | $ 84,000 |
| Tacoma-Lakewood, WA | 49 | $ 30,415,000 | $ 620,714 | $ 157,000 |
| Santa Rosa, CA | 48 | $ 27,980,000 | $ 582,916 | $ 211,000 |
| Wilmington, NC | 44 | $ 9,510,000 | $ 216,136 | $ 75,000 |
| North Port-Sarasota-Bradenton, FL | 42 | $ 11,730,000 | $ 279,285 | $ 81,000 |
| Wildwood-The Villages, FL | 42 | $ 10,290,000 | $ 245,000 | $ 74,000 |
| Burlington, NC | 40 | $ 11,690,000 | $ 292,250 | $ 93,000 |
| College Station-Bryan, TX | 40 | $ 12,190,000 | $ 304,750 | $ 117,000 |
| Michigan City-La Porte, IN | 38 | $ 8,610,000 | $ 226,578 | $ 77,000 |
| Hanford-Corcoran, CA | 37 | $ 14,785,000 | $ 399,594 | $ 109,000 |
| Dalton, GA | 35 | $ 8,565,000 | $ 244,714 | $ 81,000 |
| Olympia-Tumwater, WA | 33 | $ 16,785,000 | $ 508,636 | $ 198,000 |
| Crestview-Fort Walton Beach-Destin, FL | 32 | $ 6,960,000 | $ 217,500 | $ 64,000 |
| Lake County-Porter County-Jasper County, IN | 32 | $ 9,180,000 | $ 286,875 | $ 113,000 |
| Monroe, MI | 30 | $ 9,410,000 | $ 313,666 | $ 121,000 |
| Pensacola-Ferry Pass-Brent, FL | 29 | $ 7,465,000 | $ 257,413 | $ 103,000 |
| Fort Worth-Arlington, TX | 27 | $ 7,295,000 | $ 270,185 | $ 99,000 |
| Orlando-Kissimmee-Sanford, FL | 27 | $ 7,875,000 | $ 291,666 | $ 73,000 |
| Rocky Mount, NC | 26 | $ 6,490,000 | $ 249,615 | $ 93,000 |
| Tucson, AZ | 26 | $ 7,980,000 | $ 306,923 | $ 97,000 |
| Fort Collins, CO | 24 | $ 12,540,000 | $ 522,500 | $ 161,000 |
| Vallejo-Fairfield, CA | 24 | $ 12,090,000 | $ 503,750 | $ 167,000 |
| Colorado Springs, CO | 23 | $ 10,185,000 | $ 442,826 | $ 110,000 |
| Port St. Lucie, FL | 21 | $ 6,585,000 | $ 313,571 | $ 98,000 |
| Ann Arbor, MI | 19 | $ 5,985,000 | $ 315,000 | $ 141,000 |
| Ogden-Clearfield, UT | 16 | $ 7,300,000 | $ 456,250 | $ 213,000 |
| Detroit-Dearborn-Livonia, MI | 15 | $ 4,725,000 | $ 315,000 | $ 140,000 |
| Grand Rapids-Wyoming, MI | 13 | $ 4,475,000 | $ 344,230 | $ 124,000 |
| Greenville-Anderson-Mauldin, SC | 12 | $ 2,700,000 | $ 225,000 | $ 75,000 |
| Seattle-Bellevue-Everett, WA | 11 | $ 7,705,000 | $ 700,454 | $ 242,000 |
| Birmingham-Hoover, AL | 10 | $ 2,270,000 | $ 227,000 | $ 88,000 |
| Savannah, GA | 7 | $ 2,245,000 | $ 320,714 | $ 84,000 |
| Brunswick, GA | 6 | $ 1,400,000 | $ 233,333 | $ 69,000 |
| Flint, MI | 4 | $ 1,180,000 | $ 295,000 | $ 99,000 |
| Niles-Benton Harbor, MI | 4 | $ 1,050,000 | $ 262,500 | $ 125,000 |
| Oakland-Hayward-Berkeley, CA | 3 | $ 2,105,000 | $ 701,666 | $ 192,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 2,030,000 | $ 1,015,000 | $ 0 |
| Marietta, GA | 2 | $ 470,000 | $ 235,000 | $ 487,000 |
| Baton Rouge, LA | 1 | $ 245,000 | $ 245,000 | $ 122,000 |
| Greensboro-High Point, NC | 1 | $ 335,000 | $ 335,000 | $ 209,000 |
| Lake Charles, LA | 1 | $ 175,000 | $ 175,000 | $ 74,000 |
| Wenatchee, WA | 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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