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
Promptness
Not enough data
—/5
No quote responses measured yet
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
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
2,541 loans · 0.66% above market
Strong
Top 40% of lenders
4/5
FHA
3,274 loans · 0.51% above market
Exceptional
Top 10% of lenders
5/5
VA
1,138 loans · 0.31% below market
Exceptional
Top 20% of lenders
5/5
USDA
66 loans
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
7,025 loans · 0.59% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 50 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 | 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
18Full-year 2024 · HMDALoans originated
< 100100–200200–500500+None
Midwest3
INMIOH
South9
ALFLGAKYLANCSCTNTX
West6
AZCACONVUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 17 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.