Applications / Mortgage Analytics / Lenders / Texas / Aspire Home Loans
Austin, TX · Non-bank lender · CFPB · 347 loans in 2025
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347
loans originated, 2025
460
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Aspire Home Loans, a non-bank lender based in Austin, Texas, first reported in 2025 and made 347 loans, most of them to home buyers, which put it level with similar lenders in its first year.
Aspire Home Loans first reported in 2025. Its 347 loans, worth $149.9 million, put it close to the typical similar lender (a non-bank lender making between half and twice as many loans), which made 316. Its typical loan, $345,000, was in line with theirs.
Purchases made up 81.6% of its loans and refinances the rest. Conventional loans, which carry no government guarantee, were 77.2%, a little above similar lenders' 73.3%. Loans insured by the Federal Housing Administration (FHA) were 14.4%, against 19.8% at similar lenders.
Its largest market is Austin, where it took 0.4% of lending and ranked 63 of 753; United Wholesale Mortgage and JPMorgan Chase Bank lead there. It also lent in 12 states and 35 metros. In Anchorage it took 0.2%, but in Houston and its newest markets its share rounds to nothing.
Its typical rate, 6.50%, was a little lower than the 6.62% at similar lenders. It turned down 1.2% of decided home-purchase applications, close to the 1.4% at similar lenders.
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, 2025–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Aspire Home Loans took 460 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.6% · Refinance 18.4%
Conventional 77.2% · FHA 14.4% · VA 6.1% · USDA (RHS or FSA) 2.3% · of 347 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 | 276 | 79.5% |
| Florida | 18 | 5.2% |
| Alaska | 14 | 4.0% |
| New Mexico | 11 | 3.2% |
| Oklahoma | 9 | 2.6% |
| South Carolina | 8 | 2.3% |
| Tennessee | 3 | 0.9% |
| Colorado | 2 | 0.6% |
| Georgia | 2 | 0.6% |
| Idaho | 2 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Austin-Round Rock-San Marcos | 154 |
| Houston-Pasadena-The Woodlands | 42 |
| Dallas-Plano-Irving | 22 |
| Fort Worth-Arlington-Grapevine | 20 |
| Anchorage | 14 |
| Killeen-Temple | 14 |
| Charleston-North Charleston | 8 |
| Orlando-Kissimmee-Sanford | 7 |
| Las Cruces | 6 |
| Tulsa | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900K39SBWA2QOUF69 | 2025–2025 |
Established 24 May 2019. Reported under HMDA in 2025.
Mergers, name changes, data editions and corrections: Aspire Home Loans's data.
Aspire Home Loans's data
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