Inspire Home Loans Inc.: 2025 mortgage rates, costs & approvals
How Inspire Home Loans Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: INSPIRE HOME LOANS INC. · LEI 5493007VW2EU20PZYU97
In 2025, Inspire Home Loans Inc. originated 6,159 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 17 states — 101st by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 5.875% (all lenders: 6.625%); its median rate spread was 77 basis points below the national median. Median conventional loan costs were $4,630, 17% lower than the national median ($5,570).
It denied 12.2% of completed home-purchase applications (all lenders: 8.5%).
How Inspire Home Loans Inc. priced home-purchase loans
| Purchase loans, 2025 | Inspire Home Loans Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 5.875% | 6.625% |
| 30-year fixed rate · FHA | 4.875% | 6.250% |
| 30-year fixed rate · VA | 4.875% | 6.125% |
| 15-year fixed rate · conventional | 5.375% | 5.875% |
| Rate spread vs. APOR · conventional | −0.64 pts | +0.13 pts |
| Total loan costs · conventional | $4,630 | $5,570 |
| Total loan costs · FHA | $10,800 | $11,310 |
| Total loan costs · VA | $5,260 | $6,490 |
| Origination charges (all types) | $1,500 | $1,860 |
| Borrowers paying discount points | 92.8% | 51.3% |
| Points paid, when paid (% of loan) | 2.01% | 0.87% |
| Borrowers receiving lender credits | 66.0% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Inspire Home Loans Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Inspire Home Loans Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Texas | 1,221 | 1,487 | 11.8% | 5.125% | $5,390 |
| Florida | 864 | 1,195 | 20.7% | 4.875% | $4,620 |
| Arizona | 664 | 801 | 11.9% | 5.750% | $5,170 |
| Georgia | 636 | 766 | 12.2% | 6.375% | $4,910 |
| California | 588 | 746 | 13.8% | 6.000% | $4,510 |
| Colorado | 454 | 522 | 6.7% | 5.375% | $3,650 |
| North Carolina | 368 | 448 | 11.2% | 6.250% | $3,720 |
| Nevada | 346 | 410 | 9.8% | 5.625% | $4,560 |
| Tennessee | 238 | 277 | 5.4% | 5.750% | $4,700 |
| Washington | 230 | 263 | 4.2% | 6.250% | $4,990 |
| South Carolina | 146 | 187 | 15.0% | — | — |
| Utah | 143 | 152 | 4.6% | 5.500% | $4,230 |
| Indiana | 83 | 101 | 7.9% | 6.375% | $5,410 |
| Alabama | 73 | 94 | 11.7% | — | — |
| Michigan | 51 | 62 | 8.1% | 6.500% | $3,850 |
| Kentucky | 44 | 57 | 0.0% | — | — |
| Louisiana | 10 | 11 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Inspire Home Loans Inc.'s page for that state.
Counties where Inspire Home Loans Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Washington County, FL | 1 | 61 | 21.6% |
| Union County, SC | 1 | 32 | 12.2% |
| Butts County, GA | 2 | 28 | 7.4% |
| Matagorda County, TX | 4 | 19 | 6.5% |
| Murray County, GA | 3 | 24 | 6.2% |
| Cheatham County, TN | 3 | 46 | 5.6% |
| Laurens County, GA | 5 | 18 | 4.4% |
| Bibb County, GA | 6 | 70 | 4.3% |
| Camden County, GA | 5 | 53 | 3.8% |
| Elbert County, CO | 6 | 33 | 3.7% |
| Putnam County, FL | 4 | 21 | 3.6% |
| Baker County, FL | 6 | 10 | 3.6% |
| Hendry County, FL | 8 | 17 | 3.5% |
| Stephens County, GA | 5 | 13 | 3.5% |
| Nassau County, FL | 6 | 59 | 3.5% |
Check Inspire Home Loans Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493007VW2EU20PZYU97.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Inspire Home Loans Inc. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology