Inspire Home Loans Inc. Mortgage Lending & HMDA Data, 2018
In 2018, Inspire Home Loans Inc. of Newport Beach, CA reported 3,461 mortgage applications totaling $1.1 billion, up 309% from 2017. The average application was for $316,022, and applicants reported an average income of $112,928. 63% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (1,037), Denver-Aurora-Lakewood, CO (554) and Las Vegas-Henderson-Paradise, NV (554) (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 | 3,461 |
| Total Mortgage Loan Application Amount | $1,093,755,000 |
| Average Mortgage Loan Application Amount | $316,022 |
| Highest Mortgage Loan Application Amount | $1,265,000 |
| Average Applicant Income | $112,928 |
| Highest Applicant Income | $1,832,000 |
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(HMDA) records Inspire Home Loans Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Roswell, GA | 1,037 | $ 302,785,000 | $ 291,981 | $ 101,000 |
| Denver-Aurora-Lakewood, CO | 554 | $ 211,910,000 | $ 382,509 | $ 137,000 |
| Las Vegas-Henderson-Paradise, NV | 554 | $ 180,050,000 | $ 325,000 | $ 123,000 |
| Houston-The Woodlands-Sugar Land, TX | 163 | $ 31,445,000 | $ 192,914 | $ 78,000 |
| Charlotte-Concord-Gastonia, NC-SC | 146 | $ 38,320,000 | $ 262,465 | $ 115,527 |
| Austin-Round Rock, TX | 142 | $ 45,340,000 | $ 319,295 | $ 134,000 |
| Salt Lake City, UT | 121 | $ 41,055,000 | $ 339,297 | $ 108,000 |
| Greeley, CO | 101 | $ 33,165,000 | $ 328,366 | $ 102,000 |
| Outside any metro area | 79 | $ 17,285,000 | $ 218,797 | $ 92,949 |
| Colorado Springs, CO | 76 | $ 24,140,000 | $ 317,631 | $ 110,000 |
| Provo-Orem, UT | 72 | $ 23,980,000 | $ 333,055 | $ 87,000 |
| Fresno, CA | 57 | $ 17,555,000 | $ 307,982 | $ 110,000 |
| San Antonio-New Braunfels, TX | 48 | $ 12,460,000 | $ 259,583 | $ 96,000 |
| Fort Collins, CO | 46 | $ 13,720,000 | $ 298,260 | $ 102,000 |
| Olympia-Tumwater, WA | 31 | $ 10,145,000 | $ 327,258 | $ 96,000 |
| Salinas, CA | 27 | $ 12,305,000 | $ 455,740 | $ 144,000 |
| Seattle-Bellevue-Everett, WA | 26 | $ 18,390,000 | $ 707,307 | $ 208,000 |
| Stockton-Lodi, CA | 26 | $ 9,560,000 | $ 367,692 | $ 130,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 17 | $ 4,785,000 | $ 281,470 | $ 80,000 |
| Riverside-San Bernardino-Ontario, CA | 16 | $ 9,570,000 | $ 598,125 | $ 256,000 |
| Modesto, CA | 13 | $ 4,475,000 | $ 344,230 | $ 118,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 12 | $ 5,580,000 | $ 465,000 | $ 133,000 |
| Raleigh, NC | 11 | $ 2,455,000 | $ 223,181 | $ 88,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 9 | $ 1,365,000 | $ 151,666 | $ 78,000 |
| Bremerton-Silverdale, WA | 8 | $ 2,670,000 | $ 333,750 | $ 108,000 |
| Gainesville, GA | 8 | $ 3,240,000 | $ 405,000 | $ 132,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 8 | $ 4,340,000 | $ 542,500 | $ 183,000 |
| Tacoma-Lakewood, WA | 8 | $ 3,470,000 | $ 433,750 | $ 129,000 |
| Greensboro-High Point, NC | 7 | $ 855,000 | $ 122,142 | $ 46,000 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 890,000 | $ 148,333 | $ 41,000 |
| Winston-Salem, NC | 6 | $ 860,000 | $ 143,333 | $ 86,000 |
| Burlington, NC | 4 | $ 610,000 | $ 152,500 | $ 44,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 1,780,000 | $ 445,000 | $ 141,000 |
| Fayetteville, NC | 3 | $ 505,000 | $ 168,333 | $ 66,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 280,000 | $ 140,000 | $ 72,000 |
| Greenville, NC | 2 | $ 220,000 | $ 110,000 | $ 91,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 370,000 | $ 185,000 | $ 65,000 |
| Athens-Clarke County, GA | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 165,000 | $ 165,000 | $ 26,000 |
| Durham-Chapel Hill, NC | 1 | $ 265,000 | $ 265,000 | $ 75,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 175,000 | $ 175,000 | $ 106,000 |
| Port St. Lucie, FL | 1 | $ 175,000 | $ 175,000 | $ 62,000 |
| Tyler, TX | 1 | $ 155,000 | $ 155,000 | $ 108,000 |
| Warner Robins, GA | 1 | $ 235,000 | $ 235,000 | $ 107,000 |
Mortgage Loan Application Detail Totals for Inspire Home Loans Inc. in 2018
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 | 3,452 | $1,091,430,000 | $316,000 | $1,265,000 | $113,000 | $1,832,000 |
| Cash-out Refinancing | 6 | $1,660,000 | $276,000 | $405,000 | $79,000 | $120,000 |
| Refinancing | 3 | $665,000 | $221,000 | $375,000 | $98,000 | $145,000 |
| 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 | 1,508 | $487,540,000 | $323,000 | $1,205,000 | $120,000 | $1,350,000 |
| Black or African American | 564 | $162,040,000 | $287,000 | $805,000 | $94,000 | $480,000 |
| Not Provided | 502 | $160,580,000 | $319,000 | $915,000 | $120,000 | $1,832,000 |
| Asian | 401 | $131,185,000 | $327,000 | $1,035,000 | $117,000 | $647,000 |
| Hispanic | 336 | $101,180,000 | $301,000 | $1,265,000 | $97,000 | $467,000 |
| American Indian or Alaskan Native | 23 | $6,755,000 | $293,000 | $435,000 | $112,000 | $279,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $2,640,000 | $330,000 | $415,000 | $114,000 | $233,000 |
| 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) | 2,338 | $748,280,000 | $320,000 | $1,265,000 | $123,000 | $1,832,000 |
| FHA-insured (Federal Housing Administration) | 697 | $199,755,000 | $286,000 | $685,000 | $89,000 | $360,000 |
| VA-guaranteed (Veterans Administration) | 394 | $137,300,000 | $348,000 | $595,000 | $104,000 | $359,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 32 | $8,420,000 | $263,000 | $455,000 | $68,000 | $110,000 |
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 | 2,176 | $683,450,000 | $314,000 | $1,265,000 | $115,000 | $1,832,000 |
| Application Withdrawn By Applicant | 424 | $133,020,000 | $313,000 | $1,045,000 | $122,000 | $1,350,000 |
| Application Approved But Not Accepted | 357 | $117,815,000 | $330,000 | $1,035,000 | $119,000 | $647,000 |
| Application Denied By Financial Institution | 305 | $96,715,000 | $317,000 | $1,155,000 | $89,000 | $732,000 |
| File Closed For Incompleteness | 199 | $62,755,000 | $315,000 | $1,205,000 | $107,000 | $629,000 |
| 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 | 3,156 | $997,040,000 | $315,000 | $1,265,000 | $116,000 | $1,832,000 |
| Debt-To-Income Ratio | 175 | $52,485,000 | $299,000 | $985,000 | $66,000 | $246,000 |
| Credit History | 55 | $19,135,000 | $347,000 | $1,155,000 | $114,000 | $286,000 |
| Other | 19 | $5,935,000 | $312,000 | $525,000 | $100,000 | $197,000 |
| Employment History | 17 | $5,225,000 | $307,000 | $455,000 | $53,000 | $188,000 |
| Unverifiable Information | 14 | $6,010,000 | $429,000 | $785,000 | $258,000 | $732,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $3,965,000 | $305,000 | $455,000 | $102,000 | $317,000 |
| Credit Application Incomplete | 7 | $2,225,000 | $317,000 | $545,000 | $116,000 | $150,000 |
| Collateral | 5 | $1,735,000 | $347,000 | $415,000 | $144,000 | $243,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Inspire Home Loans Inc.'s 2018 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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