Inspire Home Loans in Tennessee vs the state
5.1%Denial rate-12.07 pts vs state
5.3%Decision denial rate-16.36 pts vs state
82.1%Origination rate+24.01 pts vs state
5.25%Median rate-1.37 pts vs state
-0.93Rate spread (pts)-1.16 pts vs state
$125kMedian applicant income
243Loans originated
15Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 207 | 151 | 8.2% | 5.88% | #187 |
| 2024 | 283 | 226 | 6.0% | 5.50% | #155 |
| 2025 | 296 | 243 | 5.1% | 5.25% | #166 |
What Inspire Home Loans lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Inspire Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wilson County | 143 | 122 | 8 | 5.6% |
| Cheatham County | 56 | 47 | 0 | 0.0% |
| Rutherford County | 47 | 32 | 5 | 10.6% |
| Maury County | 37 | 31 | 1 | 2.7% |
| Davidson County | 13 | 11 | 1 | 7.7% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 296 applications in 2025, of which 243 were originated and 15 denied.
5.1% of all applications, or 5.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Inspire Home Loans originated in Tennessee in 2025 was 5.25%, against a statewide median of 6.62%.
About this data. Figures are Inspire Home Loans's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology