Inspire Home Loans in Texas vs the state
10.9%Denial rate-8.51 pts vs state
11.6%Decision denial rate-13.26 pts vs state
77.3%Origination rate+22.43 pts vs state
4.88%Median rate-1.63 pts vs state
-1.12Rate spread (pts)-1.31 pts vs state
$96kMedian applicant income
1,274Loans originated
180Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,305 | 990 | 10.8% | 5.50% | #124 |
| 2024 | 1,806 | 1,369 | 12.1% | 4.88% | #97 |
| 2025 | 1,648 | 1,274 | 10.9% | 4.88% | #121 |
What Inspire Home Loans lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Inspire Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 399 | 299 | 50 | 12.5% |
| Bexar County | 306 | 244 | 29 | 9.5% |
| Harris County | 162 | 124 | 22 | 13.6% |
| Travis County | 111 | 79 | 15 | 13.5% |
| Williamson County | 99 | 78 | 10 | 10.1% |
| Fort Bend County | 87 | 68 | 8 | 9.2% |
| Bastrop County | 58 | 43 | 8 | 13.8% |
| Ellis County | 50 | 42 | 3 | 6.0% |
| Guadalupe County | 46 | 43 | 2 | 4.3% |
| Kaufman County | 44 | 35 | 6 | 13.6% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 1,648 applications in 2025, of which 1,274 were originated and 180 denied.
10.9% of all applications, or 11.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Inspire Home Loans originated in Texas in 2025 was 4.88%, against a statewide median of 6.50%.
About this data. Figures are Inspire Home Loans's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology