Inspire Home Loans
We analyzed every closed loan from Inspire Home Loans — 7.0k loans across 10k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 49 mkts
Awards
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
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Report Card
Inspire Home Loans performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+58.7 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Exceptional
Top 10% of lenders
VA
Exceptional
Top 20% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 50 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,541 | 36.2% | +0.664%Above | $1,696Fees | ||||
FHA Loans | 3,274 | 46.6% | +0.509%Above | $2,040Fees | ||||
VA Loans | 1,138 | 16.2% | -0.307%Below | $994Fees | ||||
USDA Loans | — | 66 | 0.9% | — | — |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume2,541
Mix36.2%
Spread
+0.664%Above
Fees
$1,696Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume3,274
Mix46.6%
Spread
+0.509%Above
Fees
$2,040Fees
VA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume1,138
Mix16.2%
Spread
-0.307%Below
Fees
$994Fees
USDA Loans
OverallStrong
ProductExceptional
Pricing—
Pull ThroughSound
Volume66
Mix0.9%
Spread—
Fees—
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 7,025 | 100.0% | +0.593%Above | $1,765Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume7,025
Mix100.0%
Spread
+0.593%Above
Fees
$1,765Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
7,027
Applications
10,047
Volume
$2 billion
Pricing & Closing
Avg Rate Spread
+0.587%
vs. market APOR
Avg Net Fees
$1,768
Origination − Credits
Pullthrough Rate
69.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$362,029
Avg Borrower Income
$129,823
Avg Property Value
$416,210
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
18
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
18Midwest3
INMIOH
South9
ALFLGAKYLANCSCTNTX
West6
AZCACONVUTWA
Top Metro Areas by Place Specialization Score
Volume 93Mix 1.32% of portfolio
89/100
Exceptional
Volume 490Mix 6.97% of portfolio
86/100
Exceptional
Volume 92Mix 1.31% of portfolio
83/100
Exceptional
Volume 118Mix 1.68% of portfolio
83/100
Exceptional
Volume 288Mix 4.10% of portfolio
79/100
Strong
Volume 469Mix 6.67% of portfolio
79/100
Strong
Volume 549Mix 7.81% of portfolio
78/100
Strong
Volume 502Mix 7.14% of portfolio
78/100
Strong
Volume 376Mix 5.35% of portfolio
76/100
Strong
Volume 348Mix 4.95% of portfolio
76/100
StrongShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
NevadaState
Volume 490Mix 6.97% of portfolio
84/100
Exceptional2
TexasState
Volume 1,364Mix 19.41% of portfolio
80/100
Exceptional3
GeorgiaState
Volume 803Mix 11.43% of portfolio
80/100
Strong4
ArizonaState
Volume 707Mix 10.06% of portfolio
79/100
Strong5
ColoradoState
Volume 590Mix 8.40% of portfolio
77/100
Strong6
FloridaState
Volume 808Mix 11.50% of portfolio
74/100
Strong7
South CarolinaState
Volume 285Mix 4.06% of portfolio
73/100
Strong8
WashingtonState
Volume 282Mix 4.01% of portfolio
72/100
Strong9
CaliforniaState
Volume 683Mix 9.72% of portfolio
71/100
Strong10
North CarolinaState
Volume 364Mix 5.18% of portfolio
68/100
StrongShowing 10 of 17 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.