Lenders › Inspire Home Loans Inc. › California
Inspire Home Loans Inc. in California
HMDA record for properties in California, calendar year 2024. National record · California overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Inspire Home Loans Inc.'s 2024 HMDA record for California covers 1,021 applications, 684 of them originated, worth $333m.
Its denial rate in the state was 17.9%, below the California rate of 24.8% across all lenders and compared with the lender's national rate of 13.7%.
The median rate spread on its California originations was -0.6 percentage points (state median 0.4).
Applications in the state were up 57% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Inspire Home Loans Inc., all states | United States |
|---|---|---|---|---|
| Denial rate | 17.9% | 24.8% | 13.7% | 24.3% |
| Median rate spread, pp | -0.6 | 0.4 | -0.7 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.3% | 19.9% | 0.7% | 15.6% |
| Average originated loan | $487k | $566k | $362k | $329k |
| Home purchase share | 100.0% | 51.2% | 99.9% | 57.0% |
| FHA-insured share | 40.2% | 11.4% | 46.6% | 13.4% |
| VA-guaranteed share | 15.1% | 4.8% | 16.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 100% (684)
By type
Conventional 45% (306)FHA 40% (275)VA 15% (103)
Denial reasons as coded
Share of 160 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Riverside County | 170 | 112 | $54m | 17.1% |
| Fresno County | 124 | 93 | $38m | 18.6% |
| Tulare County | 96 | 60 | $23m | 24.4% |
| Yolo County | 83 | 60 | $31m | 10.4% |
| Los Angeles County | 69 | 57 | $31m | 9.2% |
| Kings County | 73 | 54 | $22m | 21.7% |
| Merced County | 77 | 47 | $20m | 19.4% |
| Solano County | 67 | 36 | $21m | 28.1% |
| San Benito County | 48 | 31 | $20m | 9.8% |
| San Bernardino County | 48 | 31 | $15m | 22.5% |
| San Diego County | 35 | 30 | $21m | 6.1% |
| Placer County | 36 | 24 | $12m | 12.5% |
| Sonoma County | 33 | 16 | $9.8m | — |
| San Joaquin County | 28 | 16 | $8.8m | 20.0% |
| Madera County | 27 | 16 | $6.6m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Inspire Home Loans Inc. originate in California in 2024?
684 loans totalling $333m, from 1,021 applications reported for properties in California.
What is Inspire Home Loans Inc.'s denial rate in California?
17.9% of decided applications in California were denied, against 24.8% for all lenders in the state and 13.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does Inspire Home Loans Inc. lend in most?
By originations: Riverside County (112), Fresno County (93), Tulare County (60), Yolo County (60), Los Angeles County (57).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.