Inspire Home Loans in California vs the state
11.0%Denial rate-6.43 pts vs state
12.6%Decision denial rate-9.78 pts vs state
69.9%Origination rate+13.66 pts vs state
5.63%Median rate-1.00 pts vs state
-0.46Rate spread (pts)-0.73 pts vs state
$135kMedian applicant income
693Loans originated
109Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 652 | 445 | 11.8% | 5.50% | #188 |
| 2024 | 1,021 | 684 | 15.7% | 5.50% | #154 |
| 2025 | 992 | 693 | 11.0% | 5.63% | #174 |
What Inspire Home Loans lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Inspire Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 203 | 145 | 29 | 14.3% |
| Fresno County | 128 | 78 | 26 | 20.3% |
| Merced County | 91 | 62 | 9 | 9.9% |
| Tulare County | 88 | 67 | 11 | 12.5% |
| San Joaquin County | 76 | 56 | 2 | 2.6% |
| Placer County | 67 | 46 | 1 | 1.5% |
| San Bernardino County | 52 | 39 | 4 | 7.7% |
| Los Angeles County | 50 | 36 | 6 | 12.0% |
| Madera County | 49 | 33 | 5 | 10.2% |
| Yolo County | 48 | 41 | 1 | 2.1% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 992 applications in 2025, of which 693 were originated and 109 denied.
11.0% of all applications, or 12.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Inspire Home Loans originated in California in 2025 was 5.63%, against a statewide median of 6.63%.
About this data. Figures are Inspire Home Loans's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology