# INSPIRE HOME LOANS INC.

> **Canonical URL:** https://saferate.com/lenders/inspire-home-loans


> **📋 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


INSPIRE HOME LOANS INC. is a independent mortgage company, headquartered in WILMINGTON, DE, serving borrowers across 18 states, with 7,027 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 57% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 25% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493007VW2EU20PZYU97
- **Headquarters:** WILMINGTON, DE
- **Geographic Reach:** Multi-Region
- **States Served:** 18
- **State List:** AL, AZ, CA, CO, FL, GA, IN, KY, LA, MI, NC, NV, OH, SC, TN, TX, UT, WA
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.587%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,768
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 7,027
- **Dollar Volume:** $2.5 billion
- **Applications Received:** 10,047
- **Market Share:** 20.00%

## Typical Borrower Profile

- **Average Loan Amount:** $362,029
- **Average Borrower Income:** $129,823
- **Average Property Value:** $416,210

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 76/100 | 2,541 | +0.664% | $1,696 | Strong 😀 |
| FHA | 90/100 | 3,274 | +0.509% | $2,040 | Exceptional 🤩 |
| VA | 86/100 | 1,138 | -0.307% | $994 | Exceptional 🤩 |
| USDA | 83/100 | 66 | - | - | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,540 loans, Score: 78/100 (Strong)

**FHA:**
- Purchase: 3,274 loans, Score: 91/100 (Exceptional)

**VA:**
- Purchase: 1,137 loans, Score: 86/100 (Exceptional)

**USDA:**
- Purchase: 66 loans, Score: 83/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 85/100 | 7,025 | $2.5B | +0.593% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 1,364 | 0.39% | 80/100 |
| FL | 808 | 0.28% | 74/100 |
| GA | 803 | 0.58% | 80/100 |
| AZ | 707 | 0.71% | 79/100 |
| CA | 683 | 0.24% | 71/100 |
| CO | 590 | 0.71% | 77/100 |
| NV | 490 | 1.22% | 84/100 |
| NC | 364 | 0.25% | 68/100 |
| SC | 285 | 0.36% | 73/100 |
| WA | 282 | 0.33% | 72/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Phoenix | AZ | 549 | 78/100 |
| Houston | TX | 502 | 78/100 |
| Las Vegas | NV | 490 | 86/100 |
| Atlanta | GA | 469 | 79/100 |
| Denver | CO | 376 | 76/100 |
| San Antonio | TX | 348 | 76/100 |
| Austin | TX | 288 | 79/100 |
| Nashville | TN | 226 | 74/100 |
| Jacksonville, FL | FL | 216 | 75/100 |
| Non |  | 201 | 53/100 |
| Charlotte | NC-SC | 161 | 69/100 |
| Dallas | TX | 153 | 65/100 |
| Riverside | CA | 142 | 64/100 |
| Lake Havasu City | AZ | 118 | 83/100 |
| Everett, WA | WA | 114 | 74/100 |

## Where This Lender Ranks

INSPIRE HOME LOANS INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Michigan City for VA Loans
  - [View Full Rankings](https://saferate.com/michigan-city/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Michigan City for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/michigan-city/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Lake Havasu City
  - [View Full Rankings](https://saferate.com/lake-havasu-city/best-mortgage-lenders)
- 🥈 **#2** in Lake Havasu City Mortgage Companies
  - [View Full Rankings](https://saferate.com/lake-havasu-city/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Lake Havasu City for VA Loans
  - [View Full Rankings](https://saferate.com/lake-havasu-city/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Lake Havasu City for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lake-havasu-city/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Florence, SC Mortgage Companies
  - [View Full Rankings](https://saferate.com/florence-sc/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Florence, SC for FHA Loans
  - [View Full Rankings](https://saferate.com/florence-sc/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Florence, SC for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/florence-sc/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Florence, SC for VA Loans
  - [View Full Rankings](https://saferate.com/florence-sc/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Florence, SC for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/florence-sc/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Greeley, CO for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/greeley-co/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥈 **#2** in Hickory for VA Loans
  - [View Full Rankings](https://saferate.com/hickory/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Hickory for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hickory/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Hanford
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders)
- 🥈 **#2** in Hanford Mortgage Companies
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Hanford for FHA Loans
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Hanford for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Hanford for VA Loans
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Hanford for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders/mortgage-companies/va-loans)

## Frequently Asked Questions

### What loan types does INSPIRE HOME LOANS INC. offer?

INSPIRE HOME LOANS INC. 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 INSPIRE HOME LOANS INC. offer mortgages?

INSPIRE HOME LOANS INC. offers mortgages in 18 states: AL, AZ, CA, CO, FL, GA, IN, KY, LA, MI, NC, NV, OH, SC, TN, TX, UT, WA.

### How competitive are INSPIRE HOME LOANS INC.'s mortgage rates?

INSPIRE HOME LOANS INC. has a pricing score of 43/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.587% above market average.

### What type of lender is INSPIRE HOME LOANS INC.?

INSPIRE HOME LOANS INC. is a non-depository lender that specializes in mortgage origination, headquartered in WILMINGTON, DE.

### What is INSPIRE HOME LOANS INC.'s loan approval success rate?

INSPIRE HOME LOANS INC. has a pull-through score of 75/100 (Strong). 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/inspire-home-loans

### How to Cite

> "INSPIRE HOME LOANS INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/inspire-home-loans

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