Instamortgage, Inc Mortgage Lending & HMDA Data, 2025
In 2025, Instamortgage, Inc of San Jose, CA reported 308 mortgage applications totaling $139.7 million, up 114% from 2024. The average application was for $453,441, and applicants reported an average income of $172,022. 83% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Arlington-Alexandria-Reston, VA-WV (73), Washington-Baltimore-Arlington, DC (33) and Dallas-Plano-Irving, TX (18) (applications in parentheses).
| Mortgage Company & Address | Instamortgage, Inc 4100 Moorpark Ave #221 San Jose, CA 95117 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 308 |
| Total Mortgage Loan Application Amount | $139,660,000 |
| Average Mortgage Loan Application Amount | $453,441 |
| Highest Mortgage Loan Application Amount | $1,435,000 |
| Average Applicant Income | $172,022 |
| Highest Applicant Income | $1,452,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Instamortgage, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fairfax, Virginia | 44 | $ 21,370,000 | $ 485,681 | $ 161,000 |
| Montgomery, Maryland | 32 | $ 17,890,000 | $ 559,062 | $ 162,000 |
| Prince William, Virginia | 12 | $ 6,010,000 | $ 500,833 | $ 188,000 |
| Prince George's, Maryland | 11 | $ 3,575,000 | $ 325,000 | $ 101,000 |
| Clark, Nevada | 8 | $ 2,420,000 | $ 302,500 | $ 117,000 |
| Middlesex, New Jersey | 8 | $ 4,290,000 | $ 536,250 | $ 202,000 |
| Dallas, Texas | 7 | $ 2,565,000 | $ 366,428 | $ 140,000 |
| Cook, Illinois | 6 | $ 2,070,000 | $ 345,000 | $ 125,000 |
| Denton, Texas | 6 | $ 2,090,000 | $ 348,333 | $ 235,000 |
| Howard, Maryland | 5 | $ 2,665,000 | $ 533,000 | $ 169,000 |
| Chesterfield, Virginia | 5 | $ 1,775,000 | $ 355,000 | $ 89,000 |
| Loudoun, Virginia | 5 | $ 3,495,000 | $ 699,000 | $ 150,000 |
| Contra Costa, California | 4 | $ 3,280,000 | $ 820,000 | $ 328,000 |
| Collin, Texas | 4 | $ 1,640,000 | $ 410,000 | $ 145,000 |
| Tarrant, Texas | 4 | $ 1,100,000 | $ 275,000 | $ 94,000 |
| Los Angeles, California | 3 | $ 2,555,000 | $ 851,666 | $ 331,000 |
| Marion, Florida | 3 | $ 765,000 | $ 255,000 | $ 80,000 |
| Anne Arundel, Maryland | 3 | $ 1,345,000 | $ 448,333 | $ 174,000 |
| Alexandria, Virginia | 3 | $ 985,000 | $ 328,333 | $ 122,000 |
| Alameda, California | 2 | $ 1,610,000 | $ 805,000 | $ 675,000 |
| El Dorado, California | 2 | $ 890,000 | $ 445,000 | $ 201,000 |
| Orange, California | 2 | $ 910,000 | $ 455,000 | $ 397,000 |
| Santa Clara, California | 2 | $ 1,100,000 | $ 550,000 | $ 364,000 |
| District of Columbia, District Of Columbia | 2 | $ 1,310,000 | $ 655,000 | $ 135,000 |
| Chatham, Georgia | 2 | $ 380,000 | $ 190,000 | $ 125,000 |
| DeKalb, Georgia | 2 | $ 520,000 | $ 260,000 | $ 82,000 |
| Baltimore, Maryland | 2 | $ 400,000 | $ 200,000 | $ 51,000 |
| Calvert, Maryland | 2 | $ 690,000 | $ 345,000 | $ 60,000 |
| Wayne, Michigan | 2 | $ 300,000 | $ 150,000 | $ 60,000 |
| Nye, Nevada | 2 | $ 720,000 | $ 360,000 | $ 107,000 |
| Bergen, New Jersey | 2 | $ 2,110,000 | $ 1,055,000 | $ 908,000 |
| Somerset, New Jersey | 2 | $ 950,000 | $ 475,000 | $ 225,000 |
| Fairfax City, Virginia | 2 | $ 450,000 | $ 225,000 | $ 303,000 |
| Franklin, Virginia | 2 | $ 950,000 | $ 475,000 | $ 61,000 |
| Henrico, Virginia | 2 | $ 1,180,000 | $ 590,000 | $ 129,000 |
| Manassas Park, Virginia | 2 | $ 1,140,000 | $ 570,000 | $ 153,000 |
| Spotsylvania, Virginia | 2 | $ 1,050,000 | $ 525,000 | $ 105,000 |
| Etowah, Alabama | 1 | $ 355,000 | $ 355,000 | $ 144,000 |
| Maricopa, Arizona | 1 | $ 345,000 | $ 345,000 | $ 65,000 |
| Placer, California | 1 | $ 745,000 | $ 745,000 | $ 312,000 |
| Sacramento, California | 1 | $ 275,000 | $ 275,000 | $ 177,000 |
| San Bernardino, California | 1 | $ 495,000 | $ 495,000 | $ 94,000 |
| Solano, California | 1 | $ 445,000 | $ 445,000 | $ 100,000 |
| Tuolumne, California | 1 | $ 205,000 | $ 205,000 | $ 400,000 |
| Arapahoe, Colorado | 1 | $ 535,000 | $ 535,000 | $ 117,000 |
| New Castle, Delaware | 1 | $ 335,000 | $ 335,000 | $ 125,000 |
| Sussex, Delaware | 1 | $ 705,000 | $ 705,000 | $ 493,000 |
| Escambia, Florida | 1 | $ 235,000 | $ 235,000 | $ 137,000 |
| Manatee, Florida | 1 | $ 205,000 | $ 205,000 | $ 93,000 |
| Orange, Florida | 1 | $ 455,000 | $ 455,000 | $ 133,000 |
| Pasco, Florida | 1 | $ 295,000 | $ 295,000 | $ 85,000 |
| Pinellas, Florida | 1 | $ 835,000 | $ 835,000 | $ 0 |
| Polk, Florida | 1 | $ 305,000 | $ 305,000 | $ 171,000 |
| Barrow, Georgia | 1 | $ 345,000 | $ 345,000 | $ 119,000 |
| Cherokee, Georgia | 1 | $ 275,000 | $ 275,000 | $ 477,000 |
| Fayette, Georgia | 1 | $ 495,000 | $ 495,000 | $ 268,000 |
| Forsyth, Georgia | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Paulding, Georgia | 1 | $ 215,000 | $ 215,000 | $ 55,000 |
| Livingston, Illinois | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| East Baton Rouge, Louisiana | 1 | $ 245,000 | $ 245,000 | $ 101,000 |
| Baltimore City, Maryland | 1 | $ 255,000 | $ 255,000 | $ 183,000 |
| Charles, Maryland | 1 | $ 435,000 | $ 435,000 | $ 178,000 |
| Frederick, Maryland | 1 | $ 615,000 | $ 615,000 | $ 170,000 |
| Washington, Maryland | 1 | $ 395,000 | $ 395,000 | $ 106,000 |
| Oakland, Michigan | 1 | $ 235,000 | $ 235,000 | $ 86,000 |
| Churchill, Nevada | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Gloucester, New Jersey | 1 | $ 385,000 | $ 385,000 | $ 118,000 |
| Mercer, New Jersey | 1 | $ 675,000 | $ 675,000 | $ 360,000 |
| Morris, New Jersey | 1 | $ 755,000 | $ 755,000 | $ 257,000 |
| Passaic, New Jersey | 1 | $ 655,000 | $ 655,000 | $ 150,000 |
| Sussex, New Jersey | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Union, New Jersey | 1 | $ 785,000 | $ 785,000 | $ 460,000 |
| Gaston, North Carolina | 1 | $ 445,000 | $ 445,000 | $ 169,000 |
| McDowell, North Carolina | 1 | $ 135,000 | $ 135,000 | $ 209,000 |
| Columbiana, Ohio | 1 | $ 105,000 | $ 105,000 | $ 122,000 |
| Richland, South Carolina | 1 | $ 345,000 | $ 345,000 | $ 123,000 |
| Fort Bend, Texas | 1 | $ 405,000 | $ 405,000 | $ 144,000 |
| Grayson, Texas | 1 | $ 495,000 | $ 495,000 | $ 255,000 |
| Kaufman, Texas | 1 | $ 235,000 | $ 235,000 | $ 66,000 |
| Lubbock, Texas | 1 | $ 195,000 | $ 195,000 | $ 62,000 |
| Parker, Texas | 1 | $ 175,000 | $ 175,000 | $ 110,000 |
| Travis, Texas | 1 | $ 805,000 | $ 805,000 | $ 449,000 |
| Arlington, Virginia | 1 | $ 325,000 | $ 325,000 | $ 100,000 |
| Frederick, Virginia | 1 | $ 225,000 | $ 225,000 | $ 74,000 |
| Hanover, Virginia | 1 | $ 355,000 | $ 355,000 | $ 90,000 |
| James City, Virginia | 1 | $ 525,000 | $ 525,000 | $ 255,000 |
| Manassas, Virginia | 1 | $ 705,000 | $ 705,000 | $ 159,000 |
| Stafford, Virginia | 1 | $ 515,000 | $ 515,000 | $ 125,000 |
| Virginia Beach, Virginia | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Chelan, Washington | 1 | $ 275,000 | $ 275,000 | $ 90,000 |
| Douglas, Washington | 1 | $ 445,000 | $ 445,000 | $ 104,000 |
| Kitsap, Washington | 1 | $ 265,000 | $ 265,000 | $ 50,000 |
| Lincoln, Washington | 1 | $ 415,000 | $ 415,000 | $ 299,000 |
| Okanogan, Washington | 1 | $ 325,000 | $ 325,000 | $ 128,000 |
Mortgage Loan Application Detail Totals for Instamortgage, 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 | 233 | $104,675,000 | $449,000 | $1,435,000 | $165,000 | $1,452,000 |
| Refinancing | 51 | $27,015,000 | $529,000 | $1,105,000 | $214,000 | $830,000 |
| Cash-out Refinancing | 24 | $7,970,000 | $332,000 | $665,000 | $151,000 | $597,000 |
| 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 |
|---|---|---|---|---|---|---|
| Asian | 111 | $54,425,000 | $490,000 | $1,435,000 | $230,000 | $1,452,000 |
| Black or African American | 72 | $34,640,000 | $481,000 | $1,145,000 | $127,000 | $268,000 |
| White | 63 | $27,525,000 | $436,000 | $1,135,000 | $144,000 | $683,000 |
| Not Provided | 33 | $13,465,000 | $408,000 | $785,000 | $159,000 | $493,000 |
| Hispanic | 28 | $9,250,000 | $330,000 | $1,105,000 | $135,000 | $521,000 |
| American Indian or Alaskan Native | 1 | $355,000 | $355,000 | $355,000 | $293,000 | $293,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 219 | $102,085,000 | $466,000 | $1,435,000 | $198,000 | $1,452,000 |
| FHA-insured (Federal Housing Administration) | 62 | $25,490,000 | $411,000 | $1,145,000 | $119,000 | $268,000 |
| VA-guaranteed (Veterans Administration) | 27 | $12,085,000 | $447,000 | $945,000 | $90,000 | $271,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 256 | $116,510,000 | $455,000 | $1,205,000 | $173,000 | $830,000 |
| Application Withdrawn By Applicant | 37 | $16,545,000 | $447,000 | $805,000 | $152,000 | $683,000 |
| Application Approved But Not Accepted | 8 | $3,840,000 | $480,000 | $1,435,000 | $304,000 | $1,452,000 |
| Application Denied By Financial Institution | 7 | $2,765,000 | $395,000 | $745,000 | $111,000 | $197,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 301 | $136,895,000 | $454,000 | $1,435,000 | $174,000 | $1,452,000 |
| Debt-To-Income Ratio | 3 | $1,375,000 | $458,000 | $745,000 | $101,000 | $136,000 |
| Collateral | 2 | $610,000 | $305,000 | $405,000 | $117,000 | $197,000 |
| Other | 1 | $155,000 | $155,000 | $155,000 | $115,000 | $115,000 |
| Credit History | 1 | $625,000 | $625,000 | $625,000 | $129,000 | $129,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Instamortgage, 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 Instamortgage, 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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