Inspire Home Loans in Alabama vs the state
9.4%Denial rate-10.45 pts vs state
11.3%Decision denial rate-13.66 pts vs state
65.0%Origination rate+9.57 pts vs state
4.88%Median rate-1.63 pts vs state
-0.95Rate spread (pts)-1.24 pts vs state
$78kMedian applicant income
76Loans originated
11Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 67 | 45 | 7.5% | 5.88% | #252 |
| 2024 | 140 | 84 | 15.7% | 5.38% | #181 |
| 2025 | 117 | 76 | 9.4% | 4.88% | #208 |
What Inspire Home Loans lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Inspire Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 49 | 31 | 5 | 10.2% |
| Limestone County | 26 | 15 | 3 | 11.5% |
| Talladega County | 24 | 16 | 3 | 12.5% |
| Walker County | 10 | 7 | 0 | 0.0% |
| Coffee County | 8 | 7 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 117 applications in 2025, of which 76 were originated and 11 denied.
9.4% of all applications, or 11.3% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Inspire Home Loans originated in Alabama in 2025 was 4.88%, against a statewide median of 6.50%.
About this data. Figures are Inspire Home Loans's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology