# HOMESPIRE MORTGAGE CORPORATION

> **Canonical URL:** https://saferate.com/lenders/homespire-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


HOMESPIRE MORTGAGE CORPORATION is a independent mortgage company, headquartered in BALTIMORE, MD, serving borrowers across 21 states, with 1,933 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 75% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 16% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300MFY0P4D234OB91
- **Headquarters:** BALTIMORE, MD
- **Geographic Reach:** Multi-Region
- **States Served:** 21
- **State List:** CT, DC, DE, FL, GA, IN, KY, LA, MA, MD, ME, MI, NC, OH, OK, PA, RI, SC, TX, VA, WV
- **Markets (MSAs):** 22
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 25/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 84/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.421%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,851
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,933
- **Dollar Volume:** $637 million
- **Applications Received:** 2,531
- **Market Share:** 5.00%

## Typical Borrower Profile

- **Average Loan Amount:** $329,444
- **Average Borrower Income:** $114,851
- **Average Property Value:** $379,692

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (62%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **USDA Gold Superstar** (76%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 71/100 | 945 | +0.356% | $3,849 | Strong 😀 |
| FHA | 81/100 | 690 | +0.666% | $4,258 | Exceptional 🤩 |
| VA | 79/100 | 232 | -0.258% | $2,341 | Strong 😀 |
| USDA | 84/100 | 62 | +0.198% | $2,423 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 857 loans, Score: 72/100 (Strong)
- Refinance: 88 loans, Score: 57/100 (Sound)

**FHA:**
- Purchase: 640 loans, Score: 81/100 (Exceptional)
- Refinance: 50 loans, Score: 75/100 (Strong)

**VA:**
- Purchase: 222 loans, Score: 78/100 (Strong)

**USDA:**
- Purchase: 61 loans, Score: 84/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 79/100 | 1,784 | $594M | +0.427% | Strong 😀 |
| Refinance | 65/100 | 149 | $43M | +0.365% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MD | 503 | 0.71% | 81/100 |
| VA | 350 | 0.32% | 77/100 |
| WV | 309 | 2.00% | 87/100 |
| FL | 182 | 0.06% | 61/100 |
| NC | 158 | 0.11% | 63/100 |
| OH | 100 | 0.07% | 59/100 |
| TX | 79 | 0.02% | 52/100 |
| PA | 72 | 0.06% | 56/100 |
| LA | 48 | 0.14% | 55/100 |
| RI | 47 | 0.44% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Hagerstown | MD-WV | 226 | 93/100 |
| Baltimore | MD | 171 | 73/100 |
| Washington, DC | DC-MD | 159 | 80/100 |
| Frederick | MD | 156 | 82/100 |
| Non |  | 154 | 55/100 |
| Arlington | VA-WV | 124 | 69/100 |
| Virginia Beach | VA-NC | 118 | 69/100 |
| Columbus, OH | OH | 88 | 66/100 |
| Orlando | FL | 85 | 64/100 |
| Winchester, VA | VA-WV | 72 | 84/100 |
| Fayetteville, NC | NC | 61 | 69/100 |
| Providence | RI-MA | 47 | 60/100 |
| Harrisburg | PA | 46 | 64/100 |
| Raleigh | NC | 45 | 58/100 |
| Baton Rouge, LA | LA | 42 | 57/100 |

## Where This Lender Ranks

HOMESPIRE MORTGAGE CORPORATION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in West Virginia for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Hagerstown for USDA Loans
  - [View Full Rankings](https://saferate.com/hagerstown/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Hagerstown for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hagerstown/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Arlington for USDA Loans
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Arlington for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Winchester, VA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/winchester-va/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in West Virginia for USDA Loans
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in Winchester, VA for VA Loans
  - [View Full Rankings](https://saferate.com/winchester-va/best-mortgage-lenders/va-loans)
- 🏆 **#5** in Hagerstown Mortgage Companies
  - [View Full Rankings](https://saferate.com/hagerstown/best-mortgage-lenders/mortgage-companies)
- 🏆 **#5** in Hagerstown for VA Loans
  - [View Full Rankings](https://saferate.com/hagerstown/best-mortgage-lenders/va-loans)
- 🏆 **#5** in Hagerstown for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hagerstown/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#5** in Winchester, VA Mortgage Companies
  - [View Full Rankings](https://saferate.com/winchester-va/best-mortgage-lenders/mortgage-companies)
- 🏆 **#6** in Winchester, VA
  - [View Full Rankings](https://saferate.com/winchester-va/best-mortgage-lenders)
- 🏆 **#7** in Frederick for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/frederick/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#7** in Baton Rouge, LA for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/baton-rouge-la/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#8** in West Virginia for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#8** in Hagerstown
  - [View Full Rankings](https://saferate.com/hagerstown/best-mortgage-lenders)
- 🏆 **#8** in Charleston, WV Mortgage Companies
  - [View Full Rankings](https://saferate.com/charleston-wv/best-mortgage-lenders/mortgage-companies)
- 🏆 **#8** in Charleston, WV for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/charleston-wv/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#9** in West Virginia Mortgage Companies
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does HOMESPIRE MORTGAGE CORPORATION offer?

HOMESPIRE MORTGAGE CORPORATION offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does HOMESPIRE MORTGAGE CORPORATION offer mortgages?

HOMESPIRE MORTGAGE CORPORATION offers mortgages in 21 states: CT, DC, DE, FL, GA, IN, KY, LA, MA, MD, ME, MI, NC, OH, OK, PA, RI, SC, TX, VA, WV.

### How competitive are HOMESPIRE MORTGAGE CORPORATION's mortgage rates?

HOMESPIRE MORTGAGE CORPORATION has a pricing score of 25/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.421% above market average.

### What type of lender is HOMESPIRE MORTGAGE CORPORATION?

HOMESPIRE MORTGAGE CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in BALTIMORE, MD.

### What is HOMESPIRE MORTGAGE CORPORATION's loan approval success rate?

HOMESPIRE MORTGAGE CORPORATION has a pull-through score of 84/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/homespire-mortgage

### How to Cite

> "HOMESPIRE MORTGAGE CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/homespire-mortgage

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