Inspire Home Loans Inc. mortgage approval rate & lending review
Inspire Home Loans Inc. decided 20,898 mortgage applications and funded 16,738 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Inspire Home Loans Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to inspirehomeloans.com.
Inspire Home Loans Inc. at a glance
Approval is 0.0 points above the 87.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 87% | 17,006 / 19,479 | 91% | $345K | 15,528 |
| Investment property purchase | 92% | 1,291 / 1,401 | 93% | $285K | 1,195 |
Inspire Home Loans Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 88% | $285K | 4,167 | 3,416 |
| Arizona | 87% | $295K | 2,613 | 2,079 |
| Florida | 79% | $285K | 2,378 | 1,664 |
| California | 85% | $515K | 2,252 | 1,772 |
| Georgia | 88% | $385K | 1,882 | 1,513 |
| Colorado | 93% | $535K | 1,592 | 1,377 |
| Nevada | 90% | $455K | 1,424 | 1,204 |
| North Carolina | 90% | $265K | 1,193 | 946 |
| Washington | 94% | $605K | 900 | 768 |
| Tennessee | 93% | $425K | 663 | 554 |
| South Carolina | 86% | $235K | 501 | 400 |
| Michigan | 87% | $265K | 363 | 271 |
| Utah | 95% | $495K | 325 | 295 |
| Indiana | 87% | $255K | 280 | 217 |
| Alabama | 86% | $255K | 162 | 118 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Inspire Home Loans Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Pinal County, AZ | Mortgage lenders | 84% | 1,015 | 800 |
| Montgomery County, TX | Mortgage lenders | 86% | 971 | 782 |
| Bexar County, TX | Mortgage lenders | 90% | 836 | 710 |
| Maricopa County, AZ | Mortgage lenders | 88% | 909 | 701 |
| Douglas County, CO | Mortgage lenders | 93% | 585 | 503 |
| Fresno County, CA | Mortgage lenders | 82% | 377 | 294 |
| Mohave County, AZ | Mortgage lenders | 88% | 353 | 285 |
| Riverside County, CA | Mortgage lenders | 83% | 358 | 277 |
| Duval County, FL | Mortgage lenders | 85% | 347 | 272 |
| Travis County, TX | Mortgage lenders | 88% | 336 | 268 |
| Snohomish County, WA | Mortgage lenders | 94% | 277 | 237 |
| Weld County, CO | Mortgage lenders | 94% | 272 | 236 |
The county markets where Inspire Home Loans Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Inspire Home Loans Inc.
What is Inspire Home Loans Inc.'s mortgage approval rate?
Inspire Home Loans Inc. approved 87.6% of the 20,898 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.0 points above the 87.6% national rate for the same mix of loan types.
How often do borrowers take the loan Inspire Home Loans Inc. offers?
Borrowers accepted 91% of the loans Inspire Home Loans Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Inspire Home Loans Inc. make?
The typical home purchase mortgage loan Inspire Home Loans Inc. made was $345K; across all loan types its typical loan ran from $285K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Inspire Home Loans Inc. lend?
Inspire Home Loans Inc. decided applications in 18 of the states Fat Boy Data covers, most of them in Texas, Arizona and Florida.
Can I apply to Inspire Home Loans Inc. directly?
Yes. Inspire Home Loans Inc. reports as a direct lender that takes applications from borrowers. Its website is inspirehomeloans.com.
Does this page show Inspire Home Loans Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Inspire Home Loans Inc. treats applications, then get a rate quote from the lender.