Looking for a different lender?
I
INSPIRE HOME LOANS INC.
Independent Mortgage Company|WILMINGTON, DE|Multi-Region
Loans Originated
7,027
Applications
10,047
Volume
$2 billion
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.587%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,768
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
69.9%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Report Card
INSPIRE HOME LOANS INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Places Geographic coverage | Strong | Multi-Regional · 50 metro areas · 18 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$362,029
Average Borrower Income
$129,823
Average Property Value
$416,210
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Strong | 2,541 | 36.2% | +0.664% | $1,696 |
FHA Loans | Strong | Exceptional | Sound | Strong | 3,274 | 46.6% | +0.509% | $2,040 |
VA Loans | Strong | Exceptional | Strong | Strong | 1,138 | 16.2% | -0.307% | $994 |
USDA Loans | Strong | Exceptional | N/A | Sound | 66 | 0.9% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Sound | Strong | 7,025 | 100.0% | +0.593% | $1,765 |
Geographic Coverage
Metro Areas
49
States Served
18
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALAZCACOFLGAINKYLAMINCNVOHSCTNTXUTWA
Top Metro Areas by Place Specialization Score
1
Florence, SC, SCMSA
Volume: 93Mix: 1.32%
Place Specialization
Exceptional
2
Las Vegas, NVMSA
Volume: 490Mix: 6.97%
Place Specialization
Exceptional
3
Macon, GAMSA
Volume: 92Mix: 1.31%
Place Specialization
Exceptional
4
Lake Havasu City, AZMSA
Volume: 118Mix: 1.68%
Place Specialization
Exceptional
5
Austin, TXMSA
Volume: 288Mix: 4.10%
Place Specialization
Strong
6
Atlanta, GAMSA
Volume: 469Mix: 6.67%
Place Specialization
Strong
7
Phoenix, AZMSA
Volume: 549Mix: 7.81%
Place Specialization
Strong
8
Houston, TXMSA
Volume: 502Mix: 7.14%
Place Specialization
Strong
9
Denver, COMSA
Volume: 376Mix: 5.35%
Place Specialization
Strong
10
San Antonio, TXMSA
Volume: 348Mix: 4.95%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
NVState
Volume: 490Mix: 6.97%
Place Specialization
Exceptional
2
TXState
Volume: 1,364Mix: 19.41%
Place Specialization
Exceptional
3
GAState
Volume: 803Mix: 11.43%
Place Specialization
Strong
4
AZState
Volume: 707Mix: 10.06%
Place Specialization
Strong
5
COState
Volume: 590Mix: 8.40%
Place Specialization
Strong
6
FLState
Volume: 808Mix: 11.50%
Place Specialization
Strong
7
SCState
Volume: 285Mix: 4.06%
Place Specialization
Strong
8
WAState
Volume: 282Mix: 4.01%
Place Specialization
Strong
9
CAState
Volume: 683Mix: 9.72%
Place Specialization
Strong
10
NCState
Volume: 364Mix: 5.18%
Place Specialization
Strong
Showing 10 of 17 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Ready to Get Started?
Compare INSPIRE HOME LOANS INC. with other lenders or get personalized recommendations.