Purchase Originations
6,151
Ranked #76 nationally
Median Total Costs
$8,696
+30.2% vs national ($6,680)
↓ $210 vs prior year
Median Rate
4.875%
−24.9% vs national (6.490%)
↓ 0.625% vs prior year
Median Origination
$1,500
Median Lender Credits
$3,000
Cost Rank (500+ vol.)
#484
among lenders with 500+ originations
Denial Rate
10.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 3,115 | 4.875% | $10,799 | $1,500 |
| conventional | 1,903 | 5.625% | $4,630 | $1,500 |
| va | 1,025 | 4.875% | $5,257 | $1,500 |
| usda | 108 | 4.875% | $7,484 | $1,250 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 1,220 | 4.875% | $10,046 | #53 |
| Florida | 863 | 4.875% | $8,815 | #57 |
| Arizona | 663 | 5.500% | $9,981 | #26 |
| Georgia | 635 | 4.875% | $8,138 | #40 |
| California | 588 | 5.500% | $10,678 | #68 |
| Colorado | 453 | 4.875% | $3,697 | #36 |
| North Carolina | 367 | 6.000% | $7,099 | #68 |
| Nevada | 345 | 4.875% | $5,150 | #20 |
| Tennessee | 237 | 5.250% | $5,915 | #67 |
| Washington | 230 | 5.250% | $5,315 | #57 |
| South Carolina | 146 | 5.938% | $7,098 | #97 |
| Utah | 143 | 4.875% | $4,419 | #44 |
| Indiana | 83 | 6.250% | $7,476 | #140 |
| Alabama | 73 | 4.875% | $7,456 | #110 |
| Michigan | 51 | 6.375% | $6,784 | #151 |
| Kentucky | 44 | 5.938% | $8,922 | — |
| Louisiana | 10 | 4.875% | $6,784 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,653 | 4.875% | — | 117 | −$5,043 | |
| 2 | $3,727 | 4.875% | — | 88 | −$4,969 | |
| 3 | $4,499 | 4.875% | — | 129 | −$4,197 | |
| 4 | $5,012 | 5.375% | — | 120 | −$3,684 | |
| 5 | $5,013 | 4.995% | — | 70 | −$3,683 | |
| 6 | $5,152 | 4.875% | — | 338 | −$3,544 | |
| 7 | $5,360 | 6.375% | — | 92 | −$3,336 | |
| 8 | $7,775 | 6.000% | — | 72 | −$921 | |
| 9 | $7,847 | 6.000% | — | 112 | −$849 | |
| 10 | $7,895 | 4.875% | — | 70 | −$801 | |
| 11 | $9,131 | 4.875% | — | 117 | +$435 | |
| 12 | $9,238 | 4.875% | — | 111 | +$542 | |
| 13 | $9,303 | 4.875% | — | 286 | +$607 | |
| 14 | $9,603 | 5.500% | — | 246 | +$907 | |
| 15 | $10,407 | 4.875% | — | 242 | +$1,711 | |
| 16 | $10,991 | 5.500% | — | 74 | +$2,295 | |
| 17 | $11,299 | 4.875% | — | 77 | +$2,603 | |
| 18 | $12,165 | 4.875% | — | 82 | +$3,469 | |
| 19 | $12,760 | 4.875% | — | 211 | +$4,064 | |
| 20 | $12,767 | 4.875% | — | 138 | +$4,071 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Inspire Home Loans Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $8,696 | $7,127 | +$1,569 (+22.0%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.