Inspire Home Loans in North Carolina vs the state
8.5%Denial rate-9.60 pts vs state
10.2%Decision denial rate-12.60 pts vs state
69.0%Origination rate+11.23 pts vs state
6.06%Median rate-0.44 pts vs state
0.03Rate spread (pts)-0.06 pts vs state
$91kMedian applicant income
408Loans originated
50Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 772 | 465 | 6.9% | 6.13% | #91 |
| 2024 | 578 | 368 | 8.3% | 5.75% | #118 |
| 2025 | 591 | 408 | 8.5% | 6.06% | #126 |
What Inspire Home Loans lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Inspire Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 106 | 74 | 7 | 6.6% |
| Catawba County | 89 | 58 | 7 | 7.9% |
| Lincoln County | 60 | 45 | 3 | 5.0% |
| Pitt County | 60 | 38 | 11 | 18.3% |
| Union County | 48 | 34 | 8 | 16.7% |
| Brunswick County | 44 | 30 | 1 | 2.3% |
| Alamance County | 40 | 24 | 5 | 12.5% |
| Cabarrus County | 31 | 25 | 0 | 0.0% |
| Wilson County | 27 | 18 | 1 | 3.7% |
| Nash County | 26 | 14 | 3 | 11.5% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 591 applications in 2025, of which 408 were originated and 50 denied.
8.5% of all applications, or 10.2% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Inspire Home Loans originated in North Carolina in 2025 was 6.06%, against a statewide median of 6.50%.
About this data. Figures are Inspire Home Loans's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology