Homespire Mortgage Corporation
We analyzed every closed loan from Homespire Mortgage Corporation — 1.9k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 21 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
USDA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Homespire Mortgage Corporation performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+42.1 bps above market avg
2/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
945 loans · 0.36% above market
Strong
Top 40% of lenders
4/5
FHA
690 loans · 0.67% above market
Exceptional
Top 20% of lenders
5/5
VA
232 loans · 0.26% below market
Strong
Top 40% of lenders
4/5
USDA
62 loans · 0.20% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
1,784 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
Refinance
149 loans · 0.36% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 22 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 945 | 48.9% | +0.356%Above | $3,849Fees | ||||
FHA Loans | 690 | 35.7% | +0.666%Above | $4,258Fees | ||||
VA Loans | 232 | 12.0% | -0.258%Below | $2,341Fees | ||||
USDA Loans | 62 | 3.2% | +0.198%Above | $2,423Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume945
Mix48.9%
Spread
+0.356%Above
Fees
$3,849Fees
FHA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume690
Mix35.7%
Spread
+0.666%Above
Fees
$4,258Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume232
Mix12.0%
Spread
-0.258%Below
Fees
$2,341Fees
USDA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume62
Mix3.2%
Spread
+0.198%Above
Fees
$2,423Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,784 | 92.3% | +0.427%Above | $3,767Fees | ||||
Refinance | 149 | 7.7% | +0.365%Above | $4,706Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume1,784
Mix92.3%
Spread
+0.427%Above
Fees
$3,767Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume149
Mix7.7%
Spread
+0.365%Above
Fees
$4,706Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,933
Applications
2,531
Volume
$636 million
Pricing & Closing
Avg Rate Spread
+0.421%
vs. market APOR
Avg Net Fees
$3,851
Origination − Credits
Pullthrough Rate
76.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$329,444
Avg Borrower Income
$114,851
Avg Property Value
$379,692
Geographic Coverage
Geographic Performance
Metro Areas
21
markets with activity
States Served
21
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
21Full-year 2024 · HMDALoans originated
< 5050–100100–200200+None
Northeast5
CTMEMAPARI
Midwest3
INMIOH
South13
DCDEFLGAKYLAMDNCOKSCTXVAWV
Top Metro Areas by Place Specialization Score
Showing 10 of 21 metro areas
Top States by Place Specialization Score
Showing 10 of 13 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.