Inspire Home Loans in Florida vs the state
17.9%Denial rate-3.19 pts vs state
20.7%Decision denial rate-6.59 pts vs state
62.8%Origination rate+10.10 pts vs state
4.88%Median rate-1.75 pts vs state
-1.11Rate spread (pts)-1.38 pts vs state
$79kMedian applicant income
896Loans originated
255Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 815 | 443 | 9.7% | 5.88% | #175 |
| 2024 | 1,396 | 809 | 18.1% | 5.25% | #110 |
| 2025 | 1,427 | 896 | 17.9% | 4.88% | #116 |
What Inspire Home Loans lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Inspire Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Duval County | 154 | 112 | 20 | 13.0% |
| Polk County | 131 | 61 | 40 | 30.5% |
| Charlotte County | 100 | 60 | 22 | 22.0% |
| Marion County | 98 | 53 | 25 | 25.5% |
| Washington County | 93 | 61 | 16 | 17.2% |
| Flagler County | 87 | 56 | 11 | 12.6% |
| Nassau County | 80 | 62 | 6 | 7.5% |
| Citrus County | 69 | 49 | 7 | 10.1% |
| Highlands County | 64 | 33 | 15 | 23.4% |
| Hernando County | 64 | 41 | 8 | 12.5% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 1,427 applications in 2025, of which 896 were originated and 255 denied.
17.9% of all applications, or 20.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Inspire Home Loans originated in Florida in 2025 was 4.88%, against a statewide median of 6.63%.
About this data. Figures are Inspire Home Loans's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology