Inspire Federal Credit Union
Inspire Federal Credit Union received 121 applications in 2025 and made 62 mortgages, in 21 counties across 12 states. The median rate its borrowers got was 7.240% on a median loan of $55,000. Of 85 decisions, 23 were denials — 27.1%, most often for credit history.
| Legal Entity Identifier | 549300U001ZTHCHO4196 |
|---|---|
| Applications received | 121 |
| Mortgages made | 62 |
| Denied | 23 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 36 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.269 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Other purposes | 51 | 7.490% | $45,000 | 29.2% |
Where Inspire Federal Credit Union lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Bucks County, PA | 52 | 7.240% | 27.8% |
| Montgomery County, PA | 3 | Under 10 loans | 0.0% |
| Philadelphia County, PA | 3 | Under 10 loans | 25.0% |
| Atlantic County, NJ | 1 | Under 10 loans | 0.0% |
| Cape May County, NJ | 1 | Under 10 loans | 0.0% |
| Middlesex County, NJ | 1 | Under 10 loans | 0.0% |
| Ocean County, NJ | 1 | Under 10 loans | 0.0% |
| Pima County, AZ | 0 | Under 10 loans | Not published |
| Contra Costa County, CA | 0 | Under 10 loans | Not published |
| Kent County, DE | 0 | Under 10 loans | Not published |
| Allen County, IN | 0 | Under 10 loans | Not published |
| Jackson County, MI | 0 | Under 10 loans | Not published |
| DeSoto County, MS | 0 | Under 10 loans | 100.0% |
| Clark County, NV | 0 | Under 10 loans | Not published |
| Burlington County, NJ | 0 | Under 10 loans | 100.0% |
| Summit County, OH | 0 | Under 10 loans | Not published |
| Allegheny County, PA | 0 | Under 10 loans | Not published |
| Franklin County, PA | 0 | Under 10 loans | Not published |
| Westmoreland County, PA | 0 | Under 10 loans | Not published |
| Maury County, TN | 0 | Under 10 loans | Not published |
| Spotsylvania County, VA | 0 | Under 10 loans | Not published |
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When Inspire Federal Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.