Homespire Mortgage Corporation mortgage approval rate & lending review
Homespire Mortgage Corporation decided 3,729 mortgage applications and funded 3,294 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Homespire Mortgage Corporation reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to homespirehomeloans.com.
Homespire Mortgage Corporation at a glance
Approval is 7.2 points above the 86.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 3,123 / 3,325 | 95% | $315K | 2,952 |
| Cash-out refinance | 94% | 115 / 123 | 88% | $315K | 101 |
| Refinance | 93% | 76 / 82 | 93% | $255K | 71 |
| Investment property purchase | 93% | 145 / 156 | 94% | $215K | 137 |
| Investment cash-out refinance | 83% | 24 / 29 | 92% | $215K | 22 |
Homespire Mortgage Corporation lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maryland | 94% | $375K | 1,175 | 1,053 |
| Florida | 87% | $315K | 453 | 364 |
| West Virginia | 97% | $245K | 441 | 412 |
| Virginia | 94% | $345K | 358 | 304 |
| North Carolina | 97% | $255K | 354 | 325 |
| Pennsylvania | 97% | $215K | 205 | 190 |
| Ohio | 99% | $265K | 191 | 178 |
| Rhode Island | 88% | $395K | 157 | 126 |
| Texas | 94% | $305K | 122 | 105 |
| District of Columbia | 92% | $475K | 83 | 74 |
| Georgia | 94% | $235K | 71 | 58 |
| Massachusetts | 86% | $285K | 49 | 40 |
| Louisiana | 98% | $215K | 41 | 39 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Homespire Mortgage Corporation lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Berkeley County, WV | Mortgage lenders | 97% | 345 | 323 |
| Prince George's County, MD | Mortgage lenders | 91% | 299 | 256 |
| Montgomery County, MD | Mortgage lenders | 95% | 264 | 248 |
| Cumberland County, NC | Mortgage lenders | 96% | 118 | 111 |
| Providence County, RI | Mortgage lenders | 87% | 126 | 101 |
| Anne Arundel County, MD | Mortgage lenders | 94% | 105 | 96 |
| Frederick County, MD | Mortgage lenders | 97% | 74 | 66 |
| Johnston County, NC | Mortgage lenders | 98% | 64 | 62 |
| Washington County, MD | Mortgage lenders | 94% | 64 | 57 |
| Licking County, OH | Mortgage lenders | 100% | 61 | 57 |
| Cumberland County, PA | Mortgage lenders | 97% | 58 | 53 |
| Kanawha County, WV | Mortgage lenders | 98% | 58 | 52 |
The county markets where Homespire Mortgage Corporation made the most loans. Each link opens that market with every lender ranked.
Questions about Homespire Mortgage Corporation
What is Homespire Mortgage Corporation's mortgage approval rate?
Homespire Mortgage Corporation approved 93.8% of the 3,729 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.2 points above the 86.6% national rate for the same mix of loan types.
How often do borrowers take the loan Homespire Mortgage Corporation offers?
Borrowers accepted 94% of the loans Homespire Mortgage Corporation approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Homespire Mortgage Corporation make?
The typical home purchase mortgage loan Homespire Mortgage Corporation made was $315K; across all loan types its typical loan ran from $215K to $315K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Homespire Mortgage Corporation lend?
Homespire Mortgage Corporation decided applications in 25 of the states Fat Boy Data covers, most of them in Maryland, Florida and West Virginia.
Can I apply to Homespire Mortgage Corporation directly?
Yes. Homespire Mortgage Corporation reports as a direct lender that takes applications from borrowers. Its website is homespirehomeloans.com.
Does this page show Homespire Mortgage Corporation's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Homespire Mortgage Corporation treats applications, then get a rate quote from the lender.