INSPIRE HOME LOANS INC.
6,596 mortgages originated in 2025 across 15 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 6,596
- Median rate
- 4.875%
- Median lender fees
- $8,225
- Median loan amount
- $325,000
- Median spread over APOR
- -0.858
- Paid discount points
- 92.1%
- Received lender credits
- 64.8%
- Purchases / refinances
- 99.8% / 0.2%
- Conventional / FHA / VA
- 35.5% / 47.3% / 15.6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 100% of loans here — see methodology.
Where INSPIRE HOME LOANS INC. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Texas | 1,274 | $9,929 | 4.875% |
| Florida | 896 | $8,763 | 4.875% |
| Arizona | 728 | $9,367 | 5.625% |
| California | 693 | $8,223 | 5.625% |
| Georgia | 681 | $7,870 | 4.875% |
| Colorado | 479 | $3,685 | 4.875% |
| North Carolina | 408 | $6,708 | 6.063% |
| Nevada | 369 | $5,057 | 4.875% |
| Washington | 252 | $5,294 | 5.375% |
| Tennessee | 243 | $5,741 | 5.250% |
| South Carolina | 155 | $7,085 | 6.000% |
| Utah | 146 | $4,416 | 4.875% |
| Indiana | 88 | $7,396 | 6.250% |
| Alabama | 76 | $7,422 | 4.875% |
| Michigan | 51 | $6,784 | 6.375% |