Inspire Home Loans in Arizona vs the state
10.3%Denial rate-5.95 pts vs state
11.3%Decision denial rate-9.15 pts vs state
76.4%Origination rate+16.91 pts vs state
5.63%Median rate-0.88 pts vs state
-0.64Rate spread (pts)-0.86 pts vs state
$86kMedian applicant income
728Loans originated
98Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 947 | 643 | 11.9% | 5.75% | #67 |
| 2024 | 988 | 708 | 12.5% | 5.50% | #68 |
| 2025 | 953 | 728 | 10.3% | 5.63% | #75 |
What Inspire Home Loans lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Inspire Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pinal County | 325 | 255 | 32 | 9.8% |
| Maricopa County | 286 | 215 | 38 | 13.3% |
| Mohave County | 197 | 150 | 21 | 10.7% |
| Yavapai County | 68 | 52 | 2 | 2.9% |
| Cochise County | 51 | 35 | 5 | 9.8% |
| Pima County | 26 | 21 | 0 | 0.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 953 applications in 2025, of which 728 were originated and 98 denied.
10.3% of all applications, or 11.3% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Inspire Home Loans originated in Arizona in 2025 was 5.63%, against a statewide median of 6.50%.
About this data. Figures are Inspire Home Loans's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology