Inspire Home Loans in Georgia vs the state
10.3%Denial rate-8.97 pts vs state
12.2%Decision denial rate-12.90 pts vs state
69.8%Origination rate+15.68 pts vs state
4.88%Median rate-1.75 pts vs state
-0.73Rate spread (pts)-1.00 pts vs state
$97kMedian applicant income
681Loans originated
100Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 922 | 630 | 8.9% | 6.25% | #84 |
| 2024 | 1,166 | 805 | 9.8% | 6.25% | #78 |
| 2025 | 976 | 681 | 10.3% | 4.88% | #95 |
What Inspire Home Loans lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Inspire Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bibb County | 119 | 77 | 15 | 12.6% |
| Forsyth County | 118 | 93 | 5 | 4.2% |
| Gwinnett County | 103 | 73 | 11 | 10.7% |
| Hall County | 82 | 68 | 5 | 6.1% |
| Camden County | 69 | 53 | 8 | 11.6% |
| DeKalb County | 69 | 46 | 5 | 7.2% |
| Houston County | 67 | 44 | 9 | 13.4% |
| Henry County | 50 | 33 | 5 | 10.0% |
| Butts County | 45 | 28 | 7 | 15.6% |
| Troup County | 42 | 29 | 3 | 7.1% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 976 applications in 2025, of which 681 were originated and 100 denied.
10.3% of all applications, or 12.2% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Inspire Home Loans originated in Georgia 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 Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology