Homespire Mortgage Corporation Mortgage Lending & HMDA Data, 2019
In 2019, Homespire Mortgage Corporation of Fairfax, VA reported 5,537 mortgage applications totaling $1.5 billion, up 52% from 2018. The average application was for $277,783, and applicants reported an average income of $84,706. 77% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (1,753), Washington-Baltimore-Arlington, DC (1,043) and Tampa-St. Petersburg-Clearwater, FL (453) (applications in parentheses).
| Mortgage Company & Address | Homespire Mortgage Corporation Fairfax, VA 22031 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 |
| Total Number of Mortgage Applications | 5,537 |
| Total Mortgage Loan Application Amount | $1,538,085,000 |
| Average Mortgage Loan Application Amount | $277,783 |
| Highest Mortgage Loan Application Amount | $1,165,000 |
| Average Applicant Income | $84,706 |
| Highest Applicant Income | $1,023,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Homespire Mortgage Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,753 | $ 582,385,000 | $ 332,221 | $ 86,355 |
| Washington-Baltimore-Arlington, DC | 1,043 | $ 367,935,000 | $ 352,766 | $ 96,000 |
| Tampa-St. Petersburg-Clearwater, FL | 453 | $ 106,135,000 | $ 234,293 | $ 88,000 |
| Baltimore-Columbia-Towson, MD | 357 | $ 99,455,000 | $ 278,585 | $ 78,000 |
| Hagerstown-Martinsburg, MD-WV | 328 | $ 61,940,000 | $ 188,841 | $ 70,213 |
| Harrisburg-Carlisle, PA | 155 | $ 30,125,000 | $ 194,354 | $ 87,000 |
| Fayetteville, NC | 149 | $ 23,645,000 | $ 158,691 | $ 59,000 |
| Raleigh, NC | 148 | $ 35,340,000 | $ 238,783 | $ 89,000 |
| Outside any metro area | 138 | $ 24,170,000 | $ 175,144 | $ 77,753 |
| Scranton--Wilkes-Barre--Hazleton, PA | 132 | $ 15,780,000 | $ 119,545 | $ 58,000 |
| Winchester, VA-WV | 125 | $ 30,085,000 | $ 240,680 | $ 68,064 |
| Richmond, VA | 77 | $ 16,555,000 | $ 215,000 | $ 74,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 70 | $ 16,690,000 | $ 238,428 | $ 79,685 |
| Cumberland, MD-WV | 59 | $ 7,865,000 | $ 133,305 | $ 66,389 |
| Orlando-Kissimmee-Sanford, FL | 53 | $ 10,135,000 | $ 191,226 | $ 67,000 |
| York-Hanover, PA | 29 | $ 5,805,000 | $ 200,172 | $ 96,000 |
| Durham-Chapel Hill, NC | 28 | $ 6,690,000 | $ 238,928 | $ 111,000 |
| Detroit-Dearborn-Livonia, MI | 26 | $ 2,690,000 | $ 103,461 | $ 46,000 |
| Cleveland-Elyria, OH | 24 | $ 4,290,000 | $ 178,750 | $ 60,000 |
| Warren-Troy-Farmington Hills, MI | 21 | $ 3,985,000 | $ 189,761 | $ 87,000 |
| Wilmington, DE-MD-NJ | 20 | $ 6,250,000 | $ 312,500 | $ 98,100 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 18 | $ 3,920,000 | $ 217,777 | $ 64,000 |
| Camden, NJ | 15 | $ 3,595,000 | $ 239,666 | $ 93,000 |
| Atlanta-Sandy Springs-Roswell, GA | 13 | $ 3,475,000 | $ 267,307 | $ 112,000 |
| Chambersburg-Waynesboro, PA | 12 | $ 2,120,000 | $ 176,666 | $ 76,000 |
| Lakeland-Winter Haven, FL | 12 | $ 2,020,000 | $ 168,333 | $ 71,000 |
| Salisbury, MD-DE | 11 | $ 2,755,000 | $ 250,454 | $ 162,727 |
| Hilton Head Island-Bluffton-Beaufort, SC | 10 | $ 3,030,000 | $ 303,000 | $ 173,000 |
| Lancaster, PA | 10 | $ 1,950,000 | $ 195,000 | $ 91,000 |
| North Port-Sarasota-Bradenton, FL | 10 | $ 2,690,000 | $ 269,000 | $ 92,000 |
| Dallas-Plano-Irving, TX | 9 | $ 2,085,000 | $ 231,666 | $ 89,000 |
| Indianapolis-Carmel-Anderson, IN | 8 | $ 1,970,000 | $ 246,250 | $ 102,000 |
| Clarksville, TN-KY | 7 | $ 1,455,000 | $ 207,857 | $ 72,000 |
| Columbus, OH | 7 | $ 1,255,000 | $ 179,285 | $ 60,000 |
| Homosassa Springs, FL | 7 | $ 1,205,000 | $ 172,142 | $ 68,000 |
| Jacksonville, FL | 7 | $ 1,185,000 | $ 169,285 | $ 62,000 |
| Naples-Immokalee-Marco Island, FL | 7 | $ 1,785,000 | $ 255,000 | $ 84,000 |
| Ann Arbor, MI | 6 | $ 1,260,000 | $ 210,000 | $ 76,000 |
| Boston, MA | 6 | $ 2,600,000 | $ 433,333 | $ 68,000 |
| California-Lexington Park, MD | 6 | $ 2,070,000 | $ 345,000 | $ 110,000 |
| Charlotte-Concord-Gastonia, NC-SC | 6 | $ 1,590,000 | $ 265,000 | $ 101,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 6 | $ 1,310,000 | $ 218,333 | $ 55,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 1,480,000 | $ 246,666 | $ 104,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 1,065,000 | $ 213,000 | $ 55,000 |
| Memphis, TN-MS-AR | 5 | $ 645,000 | $ 129,000 | $ 56,000 |
| Morgantown, WV | 5 | $ 1,075,000 | $ 215,000 | $ 141,000 |
| Ocala, FL | 5 | $ 755,000 | $ 151,000 | $ 50,000 |
| Burlington, NC | 4 | $ 570,000 | $ 142,500 | $ 35,000 |
| Montgomery County-Bucks County-Chester County, PA | 4 | $ 1,130,000 | $ 282,500 | $ 83,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 430,000 | $ 107,500 | $ 45,500 |
| Philadelphia, PA | 4 | $ 960,000 | $ 240,000 | $ 148,000 |
| Punta Gorda, FL | 4 | $ 900,000 | $ 225,000 | $ 154,000 |
| Rocky Mount, NC | 4 | $ 650,000 | $ 162,500 | $ 49,000 |
| Asheville, NC | 3 | $ 695,000 | $ 231,666 | $ 63,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 645,000 | $ 215,000 | $ 67,000 |
| Charlottesville, VA | 3 | $ 1,075,000 | $ 358,333 | $ 178,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 1,075,000 | $ 358,333 | $ 81,000 |
| Harrisonburg, VA | 3 | $ 545,000 | $ 181,666 | $ 73,000 |
| Lebanon, PA | 3 | $ 365,000 | $ 121,666 | $ 45,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 1,095,000 | $ 365,000 | $ 238,000 |
| Muskegon, MI | 3 | $ 165,000 | $ 55,000 | $ 29,000 |
| New York-Newark, NY | 3 | $ 1,925,000 | $ 641,666 | $ 90,000 |
| Pittsburgh, PA | 3 | $ 395,000 | $ 131,666 | $ 105,000 |
| Roanoke, VA | 3 | $ 755,000 | $ 251,666 | $ 77,000 |
| Springfield, IL | 3 | $ 475,000 | $ 158,333 | $ 102,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 825,000 | $ 275,000 | $ 161,000 |
| Wilmington, NC | 3 | $ 875,000 | $ 291,666 | $ 127,000 |
| Austin-Round Rock, TX | 2 | $ 800,000 | $ 400,000 | $ 175,000 |
| Bloomsburg-Berwick, PA | 2 | $ 260,000 | $ 130,000 | $ 110,000 |
| Carbondale-Marion, IL | 2 | $ 460,000 | $ 230,000 | $ 84,000 |
| Charleston, WV | 2 | $ 470,000 | $ 235,000 | $ 101,000 |
| Charleston-North Charleston, SC | 2 | $ 470,000 | $ 235,000 | $ 98,000 |
| Cincinnati, OH-KY-IN | 2 | $ 450,000 | $ 225,000 | $ 101,500 |
| Dover, DE | 2 | $ 500,000 | $ 250,000 | $ 22,000 |
| East Stroudsburg, PA | 2 | $ 240,000 | $ 120,000 | $ 57,000 |
| Gettysburg, PA | 2 | $ 210,000 | $ 105,000 | $ 103,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 570,000 | $ 285,000 | $ 234,000 |
| Lansing-East Lansing, MI | 2 | $ 280,000 | $ 140,000 | $ 73,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 830,000 | $ 415,000 | $ 152,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 360,000 | $ 180,000 | $ 74,000 |
| Savannah, GA | 2 | $ 420,000 | $ 210,000 | $ 53,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 290,000 | $ 145,000 | $ 147,000 |
| Tacoma-Lakewood, WA | 2 | $ 440,000 | $ 220,000 | $ 24,000 |
| The Villages, FL | 2 | $ 240,000 | $ 120,000 | $ 43,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 95,000 | $ 95,000 | $ 30,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 265,000 | $ 265,000 | $ 70,000 |
| Chattanooga, TN-GA | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Chicago-Naperville, IL | 1 | $ 245,000 | $ 245,000 | $ 5,000 |
| Colorado Springs, CO | 1 | $ 195,000 | $ 195,000 | $ 73,000 |
| Elkhart-Goshen, IN | 1 | $ 155,000 | $ 155,000 | $ 47,000 |
| Fort Worth-Arlington, TX | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| Gainesville, FL | 1 | $ 315,000 | $ 315,000 | $ 64,000 |
| Goldsboro, NC | 1 | $ 125,000 | $ 125,000 | $ 84,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 355,000 | $ 355,000 | $ 169,000 |
| Jackson, MI | 1 | $ 85,000 | $ 85,000 | $ 46,000 |
| Johnson City, TN | 1 | $ 195,000 | $ 195,000 | $ 142,000 |
| Johnstown, PA | 1 | $ 185,000 | $ 185,000 | $ 109,000 |
| Monroe, MI | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Montgomery, AL | 1 | $ 195,000 | $ 195,000 | $ 55,000 |
| Morristown, TN | 1 | $ 165,000 | $ 165,000 | $ 41,000 |
| New Bern, NC | 1 | $ 195,000 | $ 195,000 | $ 38,000 |
| New Orleans-Metairie, LA | 1 | $ 345,000 | $ 345,000 | $ 321,000 |
| Newark, NJ-PA | 1 | $ 255,000 | $ 255,000 | $ 100,000 |
| Niles-Benton Harbor, MI | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Panama City, FL | 1 | $ 415,000 | $ 415,000 | $ 198,000 |
| Pittsfield, MA | 1 | $ 775,000 | $ 775,000 | $ 170,000 |
| Port St. Lucie, FL | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Sebring, FL | 1 | $ 175,000 | $ 175,000 | $ 39,000 |
| St. Louis, MO-IL | 1 | $ 235,000 | $ 235,000 | $ 62,000 |
| Staunton-Waynesboro, VA | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Tallahassee, FL | 1 | $ 115,000 | $ 115,000 | $ 31,000 |
| Wheeling, WV-OH | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| Williamsport, PA | 1 | $ 225,000 | $ 225,000 | $ 140,000 |
| Worcester, MA-CT | 1 | $ 365,000 | $ 365,000 | $ 0 |
Mortgage Loan Application Detail Totals for Homespire Mortgage Corporation in 2019
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 | 4,092 | $1,080,450,000 | $264,000 | $1,165,000 | $86,000 | $1,023,000 |
| Refinancing | 1,443 | $457,075,000 | $316,000 | $1,155,000 | $81,000 | $748,000 |
| Home Improvement | 2 | $560,000 | $280,000 | $445,000 | $113,000 | $133,000 |
| Cash-out Refinancing | 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 | 2,248 | $589,210,000 | $262,000 | $1,165,000 | $95,000 | $871,000 |
| Hispanic | 2,112 | $587,040,000 | $277,000 | $985,000 | $69,000 | $762,000 |
| Black or African American | 594 | $168,140,000 | $283,000 | $895,000 | $79,000 | $406,000 |
| Not Provided | 354 | $109,780,000 | $310,000 | $1,165,000 | $94,000 | $447,000 |
| Asian | 202 | $77,310,000 | $382,000 | $1,125,000 | $123,000 | $1,023,000 |
| American Indian or Alaskan Native | 21 | $5,095,000 | $242,000 | $725,000 | $79,000 | $306,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,510,000 | $251,000 | $685,000 | $91,000 | $225,000 |
| 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) | 2,618 | $747,750,000 | $285,000 | $1,165,000 | $103,000 | $1,023,000 |
| FHA-insured (Federal Housing Administration) | 2,181 | $565,925,000 | $259,000 | $735,000 | $64,000 | $762,000 |
| VA-guaranteed (Veterans Administration) | 555 | $191,895,000 | $345,000 | $1,165,000 | $87,000 | $381,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 183 | $32,515,000 | $177,000 | $365,000 | $58,000 | $123,000 |
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 | 4,283 | $1,196,215,000 | $279,000 | $1,165,000 | $85,000 | $1,023,000 |
| Application Approved But Not Accepted | 503 | $137,605,000 | $273,000 | $1,165,000 | $86,000 | $447,000 |
| Application Withdrawn By Applicant | 427 | $117,255,000 | $274,000 | $995,000 | $84,000 | $529,000 |
| Application Denied By Financial Institution | 165 | $39,875,000 | $241,000 | $805,000 | $73,000 | $394,000 |
| File Closed For Incompleteness | 159 | $47,135,000 | $296,000 | $825,000 | $85,000 | $776,000 |
| 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 | 5,372 | $1,498,210,000 | $278,000 | $1,165,000 | $85,000 | $1,023,000 |
| Credit History | 50 | $12,410,000 | $248,000 | $585,000 | $73,000 | $178,000 |
| Debt-To-Income Ratio | 32 | $8,390,000 | $262,000 | $805,000 | $73,000 | $394,000 |
| Collateral | 28 | $6,000,000 | $214,000 | $535,000 | $83,000 | $219,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 20 | $4,910,000 | $245,000 | $675,000 | $57,000 | $227,000 |
| Employment History | 13 | $2,595,000 | $199,000 | $315,000 | $71,000 | $190,000 |
| Unverifiable Information | 12 | $3,050,000 | $254,000 | $415,000 | $75,000 | $104,000 |
| Other | 9 | $2,255,000 | $250,000 | $645,000 | $84,000 | $238,000 |
| Credit Application Incomplete | 1 | $265,000 | $265,000 | $265,000 | $48,000 | $48,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Homespire Mortgage Corporation's 2019 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 Homespire Mortgage Corporation'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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