Homespire Mortgage Corporation Rates, Fees & Info
BALTIMORE, MDLEI: 549300MFY0P4D234OB91
Tax ID: 20-8279218
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Mortgage Data
Review & Overview
Homespire Mortgage Corporation is a small mortgage company specializing in Home Purchase and Refi loans. Homespire Mortgage Corporation has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Washington, Baltimore, Tampa, Atlanta, and Hagerstown among others. We have data for 203 markets. (Some data included below & more in-depth data is available with an active subscription.)Homespire Mortgage Corporation has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Homespire Mortgage Corporation is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.64% | 10/13/24 |
| 30 Year Conventional Refi | 6.71% | 10/13/24 |
| 30 Year Cash-out Refi | 6.98% | 10/13/24 |
| 30 Year FHA Purchase | 7.62% | 10/13/24 |
| 30 Year FHA Refi | 7.25% | 10/13/24 |
| 30 Year VA Purchase | 6.30% | 10/13/24 |
| 30 Year VA Refi | 5.78% | 10/13/24 |
| 30 Year USDA Purchase | 6.90% | 10/13/24 |
| 15 Year Conventional Purchase | 5.01% | 10/13/24 |
| 15 Year Conventional Refi | 6.24% | 10/13/24 |
| 15 Year Cash-out Refi | 6.24% | 10/13/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Homespire Mortgage Corporation Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
9,362Origination Dollar Volume (All Markets)
$2,941,870,000Awards
HOMESPIRE MORTGAGE CORPORATION - 2021
HOMESPIRE MORTGAGE CORPORATION is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 3,773 | $1,496,035,000 | $396,511 | $6,693 | 3.01% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 631 | $206,545,000 | $327,330 | $6,919 | 3.04% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 673 | $179,645,000 | $266,932 | $6,399 | 3.20% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 368 | $105,280,000 | $286,087 | $5,197 | 3.08% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 320 | $77,080,000 | $240,875 | $6,109 | 3.17% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 335 | $76,345,000 | $227,896 | $5,092 | 3.15% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 293 | $70,765,000 | $241,519 | $6,111 | 3.09% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 244 | $58,110,000 | $238,156 | $7,259 | 2.67% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 213 | $57,335,000 | $269,178 | $4,195 | 3.01% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 238 | $49,860,000 | $209,496 | $5,641 | 2.99% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 114 | $47,490,000 | $416,579 | $7,064 | 3.10% |
| Outside of Metro Areas | 164 | $37,870,000 | $230,915 | $5,697 | 3.18% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 181 | $37,535,000 | $207,376 | $5,425 | 3.10% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 132 | $33,800,000 | $256,061 | $5,458 | 3.21% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 85 | $23,125,000 | $272,059 | $6,252 | 3.22% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 130 | $19,520,000 | $150,154 | $5,670 | 3.13% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 89 | $18,505,000 | $207,921 | $7,044 | 3.05% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 58 | $17,970,000 | $309,828 | $6,570 | 3.05% |
| SAVANNAH, GA (FHA|USDA|VA) | 74 | $16,720,000 | $225,946 | $6,006 | 2.97% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 39 | $15,495,000 | $397,308 | $5,571 | 2.80% |
| COLUMBUS, OH (FHA|USDA|VA) | 59 | $14,925,000 | $252,966 | $4,483 | 3.00% |
| RICHMOND, VA (FHA|USDA|VA) | 58 | $14,470,000 | $249,483 | $5,972 | 3.12% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 78 | $11,430,000 | $146,538 | $4,721 | 3.17% |
| BATON ROUGE, LA (FHA|USDA|VA) | 57 | $11,425,000 | $200,439 | $7,581 | 3.11% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 56 | $9,840,000 | $175,714 | $7,290 | 3.56% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 30 | $9,630,000 | $321,000 | $6,873 | 3.11% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 35 | $7,215,000 | $206,143 | $6,695 | 3.14% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 25 | $7,035,000 | $281,400 | $6,526 | 3.23% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 28 | $6,570,000 | $234,643 | $6,663 | 2.98% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 21 | $6,465,000 | $307,857 | $6,703 | 3.08% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 19 | $6,435,000 | $338,684 | $7,972 | 3.22% |
| CHARLESTON, WV (FHA|USDA|VA) | 27 | $5,885,000 | $217,963 | $5,751 | 3.25% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 23 | $5,335,000 | $231,957 | $5,512 | 3.28% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 21 | $5,285,000 | $251,667 | $5,275 | 2.94% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 21 | $5,245,000 | $249,762 | $4,133 | 2.99% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 18 | $5,150,000 | $286,111 | $4,958 | 3.06% |
| LANCASTER, PA (FHA|USDA|VA) | 25 | $5,065,000 | $202,600 | $5,450 | 2.99% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 24 | $5,050,000 | $210,417 | $6,313 | 2.76% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 17 | $5,045,000 | $296,765 | $4,656 | 2.90% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 23 | $5,025,000 | $218,478 | $4,620 | 3.04% |
| GAINESVILLE, GA (FHA|USDA|VA) | 15 | $4,185,000 | $279,000 | $6,179 | 2.93% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 18 | $4,030,000 | $223,889 | $5,507 | 2.80% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 15 | $4,025,000 | $268,333 | $5,055 | 2.99% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 15 | $3,945,000 | $263,000 | $6,323 | 3.26% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 11 | $3,905,000 | $355,000 | $8,172 | 2.94% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 13 | $3,435,000 | $264,231 | $4,486 | 3.24% |
| OCALA, FL (FHA|USDA|VA) | 18 | $3,280,000 | $182,222 | $4,957 | 3.26% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 11 | $3,255,000 | $295,909 | $5,891 | 3.38% |
| Jefferson, GA (FHA|USDA|VA) | 8 | $2,980,000 | $372,500 | $6,021 | 3.31% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 10 | $2,900,000 | $290,000 | $6,311 | 3.01% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 10 | $2,660,000 | $266,000 | $4,001 | 3.50% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 8 | $2,530,000 | $316,250 | $10,501 | 3.14% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 8 | $2,510,000 | $313,750 | $7,389 | 3.14% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 6 | $2,340,000 | $390,000 | $6,169 | 3.17% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 10 | $2,310,000 | $231,000 | $8,488 | 3.66% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 7 | $2,295,000 | $327,857 | $5,868 | 3.38% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 5 | $2,255,000 | $451,000 | $8,235 | 3.13% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $2,245,000 | $2,245,000 | $11,974 | 3.50% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 9 | $2,215,000 | $246,111 | $6,929 | 3.01% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 5 | $2,075,000 | $415,000 | $6,068 | 3.28% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 7 | $1,945,000 | $277,857 | $7,425 | 2.79% |
| WILMINGTON, NC (FHA|USDA|VA) | 5 | $1,905,000 | $381,000 | $4,232 | 3.15% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 5 | $1,845,000 | $369,000 | $3,615 | 2.93% |
| GOLDSBORO, NC (FHA|USDA|VA) | 11 | $1,845,000 | $167,727 | $4,333 | 2.97% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 4 | $1,840,000 | $460,000 | $8,880 | 2.97% |
| DOVER, DE (FHA|USDA|VA) | 5 | $1,805,000 | $361,000 | $8,271 | 2.98% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $1,680,000 | $840,000 | $11,382 | 3.00% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 6 | $1,640,000 | $273,333 | $6,372 | 3.21% |
| STAUNTON, VA (FHA|USDA|VA) | 5 | $1,565,000 | $313,000 | $8,708 | 3.58% |
| PANAMA CITY, FL (FHA|USDA|VA) | 5 | $1,525,000 | $305,000 | $5,249 | 3.30% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 4 | $1,490,000 | $372,500 | $3,862 | 2.94% |
| LEBANON, PA (FHA|USDA|VA) | 7 | $1,335,000 | $190,714 | $4,478 | 3.05% |
| HINESVILLE, GA (FHA|USDA|VA) | 6 | $1,260,000 | $210,000 | $7,129 | 3.25% |
| PITTSFIELD, MA (FHA|USDA|VA) | 2 | $1,260,000 | $630,000 | $4,571 | 2.56% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 6 | $1,180,000 | $196,667 | $4,607 | 3.42% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $4,510 | 3.00% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 3 | $1,155,000 | $385,000 | $4,800 | 3.13% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $1,105,000 | $1,105,000 | $3,312 | 2.38% |
| GAINESVILLE, FL (FHA|USDA|VA) | 6 | $1,100,000 | $183,333 | $5,288 | 2.54% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $3,344 | 2.83% |
| HARRISONBURG, VA (FHA|USDA|VA) | 5 | $1,065,000 | $213,000 | $5,922 | 3.18% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $1,050,000 | $525,000 | $7,577 | 2.75% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $1,040,000 | $520,000 | $2,243 | 2.38% |
| Sevierville, TN (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $7,700 | 3.29% |
| Cambridge, MD (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $3,951 | 2.54% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $7,010 | 3.25% |
| Elizabeth City, NC (FHA|USDA|VA) | 6 | $980,000 | $163,333 | $5,045 | 3.27% |
| Statesboro, GA (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $7,721 | 3.16% |
| Morehead City, NC (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $3,526 | 2.94% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $9,576 | 2.88% |
| Key West, FL (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $4,062 | 2.13% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $5,823 | 2.46% |
| Lumberton, NC (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $4,550 | 3.45% |
| Sanford, NC (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $4,967 | 3.09% |
| GETTYSBURG, PA (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $5,490 | 2.88% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $6,778 | 2.66% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 5 | $865,000 | $173,000 | $4,258 | 3.08% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $5,137 | 3.17% |
| Wilson, NC (FHA|USDA|VA) | 5 | $825,000 | $165,000 | $5,118 | 3.13% |
| MORGANTOWN, WV (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $3,847 | 3.13% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $6,976 | 2.88% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $5,588 | 2.88% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 5 | $755,000 | $151,000 | $4,881 | 3.15% |
| Easton, MD (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $4,594 | 3.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $4,353 | 3.06% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $3,058 | 3.00% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $1,881 | 3.69% |
| Danville, KY (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $4,457 | 3.50% |
| LUBBOCK, TX (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $5,871 | 3.25% |
| Boone, NC (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $3,574 | 2.81% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $3,438 | 2.69% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $5,418 | 3.03% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $4,887 | 3.38% |
| BURLINGTON, NC (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $4,186 | 3.28% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $7,207 | 3.13% |
| SANTA FE, NM (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $5,254 | 3.38% |
| Calhoun, GA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $7,686 | 3.31% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $7,063 | 3.56% |
| Clarksburg, WV (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $3,778 | 3.38% |
| Laurinburg, NC (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $2,322 | 3.53% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $3,406 | 3.33% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $3,905 | 2.88% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,514 | 3.50% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $5,480 | 3.13% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,516 | 2.81% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $9,113 | 3.19% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $7,044 | 2.69% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,430 | 3.00% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,029 | 3.81% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,040 | 3.19% |
| Auburn, IN (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $5,000 | 2.50% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $5,226 | 3.19% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $2,996 | 3.67% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $4,990 | 3.21% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $5,245 | 3.19% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $5,866 | 3.25% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,524 | 3.06% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,768 | 3.00% |
| Somerset, PA (FHA|USDA|VA) | 4 | $420,000 | $105,000 | $4,905 | 3.25% |
| Huntingdon, PA (FHA|USDA|VA) | 4 | $420,000 | $105,000 | $4,002 | 3.22% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,344 | 3.00% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $1,000 | 3.00% |
| Cornelia, GA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $5,712 | 3.13% |
| HAMMOND, LA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $9,179 | 3.19% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,704 | 2.63% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $1,771 | 2.25% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $5,971 | 3.63% |
| GREENVILLE, NC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,205 | 3.56% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $9,693 | 3.63% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,757 | 3.13% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,399 | 3.13% |
| Concord, NH (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,674 | 2.25% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,286 | 3.25% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,754 | 3.25% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,270 | 3.63% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,187 | 3.50% |
| Lake City, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,629 | 3.50% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,562 | 2.75% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,524 | 3.00% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,750 | 3.25% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $11,098 | 2.50% |
| Mount Vernon, OH (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $5,498 | 4.63% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,522 | 3.13% |
| Oxford, MS (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,812 | 2.50% |
| Fairmont, WV (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $5,797 | 3.00% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,413 | 2.38% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,213 | 4.25% |
| Picayune, MS (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,322 | 2.75% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $389 | 3.25% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,219 | 2.75% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,372 | 2.75% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,752 | 3.00% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,861 | 3.06% |
| DALTON, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,606 | 3.25% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,369 | 3.63% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,529 | 3.25% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,323 | 3.88% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,895 | 3.00% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,773 | 3.00% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,053 | 3.00% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,258 | 3.25% |
| Española, NM (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,850 | 3.38% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,537 | 3.25% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,014 | 3.38% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,110 | 3.63% |
| Coshocton, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,402 | 4.50% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,139 | 3.25% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,837 | 2.88% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,358 | 3.13% |
| Sunbury, PA (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $4,219 | 2.63% |
| Roswell, NM (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,887 | 2.88% |
| Cullman, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,872 | 3.63% |
| Levelland, TX (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $3,477 | 4.50% |
| Corsicana, TX (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $4,181 | 4.63% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,605 | 3.25% |
| Selinsgrove, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,880 | 3.13% |
| Meadville, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,876 | 3.38% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,230 | 3.13% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,466 | 2.88% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,902 | 3.88% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,965 | 3.50% |
| AKRON, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,740 | 4.13% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,156 | 3.63% |
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Product Mix
For 2021, Homespire Mortgage Corporation's most frequently originated type of loan was Conventional, with 6,265 originations. Their 2nd most popular type was FHA, with 2,171 originations.
Loan Reason
For 2021, Homespire Mortgage Corporation's most frequently cited loan purpose was Home Purchase, with 6,446 originations. The 2nd most popular reason was Refi, with 2,852 originations.
Loan Duration/Length
For 2021, Homespire Mortgage Corporation's most frequently cited loan duration was 30 Year, with 8,593 originations. The 2nd most popular length was 15 Year, with 424 originations.
Origination Fees/Closing Costs
Homespire Mortgage Corporation's average total fees were $6,461, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 5,928 originations.
Interest Rates
During 2021, Homespire Mortgage Corporation's average interest rate for loans was 3.09%, while their most frequently originated rate bucket for loans was 3-4%, with 4,544 originations.
Loan Sizing
2021 saw Homespire Mortgage Corporation place emphasis on $200k-400k loans with 4,860 originations, totaling $1,414,460,000 in origination value.
Applicant Income
Homespire Mortgage Corporation lent most frequently to those with incomes in the $50k-75k range, with 2,686 originations. The second most popular income band? $75k-100k, with 1,797 originations.
Applicant Debt to Income Ratio
Homespire Mortgage Corporation lent most frequently to those with DTI ratios of 20-30%, with 1,473 originations. The next most common DTI ratio? 30-36%, with 1,408 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.77%
Homespire Mortgage Corporation has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination81.32%
Homespire Mortgage Corporation has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 9,362 | $2,941,870,000 | $314,235 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 9,362 | $2,941,870,000 | $314,235 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Homespire Mortgage Corp | Conventional home mortgage | Struggling to pay mortgage | 1 | 100.0% |