Applications / Mortgage Analytics / Lenders / California / Inspire Home Loans
Newport Beach, CA · Independent non-bank lender · CFPB · 6,596 loans in 2025
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6,596
loans originated, 2025
9,059
applications, 2025
17
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Inspire Home Loans is almost entirely a home-purchase lender, 99.8% of its loans, and makes far more government-backed loans than similar lenders.
FHA loans (insured by the Federal Housing Administration) were 47.3% of its originations, against 24.9% at similar lenders (independent non-bank lenders making between half and twice as many loans), more than about nineteen in twenty of them. VA loans (guaranteed by the Department of Veterans Affairs) were 15.6%, against 7.6%. Conventional loans were 35.5%, down from 61.0% five years earlier.
Its typical rate was 4.88%, against 6.62%, lower than nearly all similar lenders, and down from 5.50% in 2024. Only 0.2% of its loans were higher-priced (a rate well above the average for similar loans), against 3.1%.
It made 36.3% of its loans in majority-minority areas, against 25.1%, more than about three in four similar lenders. LMI (low- and moderate-income) borrowers were 26.2%, against 29.4%, a little below the middle of similar lenders, and up from 20.3% in 2024.
Originations fell 6% to 6,596, while similar lenders grew 14%. Its share rose in Houston-Pasadena-The Woodlands to 0.4% from 0.3%, but fell in Las Vegas-Henderson-North Las Vegas to 0.8% from 1.2% and in Denver-Aurora-Centennial to 0.4% from 0.6%, in line with its lower volume. With home purchase 99.8% of its lending, its volume may move with home sales in those markets more than a lender that also refinances.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Inspire Home Loans took 9,059 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 99.8% · Refinance 0.2%
FHA 47.3% · Conventional 35.5% · VA 15.6% · USDA (RHS or FSA) 1.6% · of 6,596 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 1,274 | 19.3% |
| Florida | 896 | 13.6% |
| Arizona | 728 | 11.0% |
| California | 693 | 10.5% |
| Georgia | 681 | 10.3% |
| Colorado | 479 | 7.3% |
| North Carolina | 408 | 6.2% |
| Nevada | 369 | 5.6% |
| Washington | 252 | 3.8% |
| Tennessee | 243 | 3.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 578 |
| Phoenix-Mesa-Chandler | 470 |
| Las Vegas-Henderson-North Las Vegas | 361 |
| Atlanta-Sandy Springs-Roswell | 326 |
| Denver-Aurora-Centennial | 289 |
| San Antonio-New Braunfels | 287 |
| Nashville-Davidson--Murfreesboro--Franklin | 243 |
| Austin-Round Rock-San Marcos | 217 |
| Jacksonville | 196 |
| Riverside-San Bernardino-Ontario | 184 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007VW2EU20PZYU97 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7814312733 |
Established 17 October 2016. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Inspire Home Loans's data.
Inspire Home Loans's data
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Inspire Home Loans and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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