Purchase Originations
2,364
Ranked #193 nationally
Median Total Costs
$5,384
−19.4% vs national ($6,680)
↑ $255 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.245% vs prior year
Median Origination
$1,494
Median Lender Credits
$907
Cost Rank (500+ vol.)
#230
among lenders with 500+ originations
Denial Rate
6.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,167 | 6.223% | $5,192 | $1,494 |
| fha | 118 | 6.124% | $10,165 | $0 |
| va | 79 | 5.875% | $10,817 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 216 | 6.245% | $6,254 | #196 |
| California | 156 | 6.125% | $6,749 | #164 |
| North Carolina | 155 | 6.125% | $4,281 | #123 |
| Georgia | 132 | 6.120% | $5,207 | #125 |
| Florida | 123 | 6.125% | $6,650 | #211 |
| Washington | 112 | 6.120% | $5,121 | #100 |
| New Jersey | 102 | 6.356% | $6,288 | #111 |
| Illinois | 84 | 6.281% | $6,963 | #162 |
| Virginia | 84 | 6.120% | $5,200 | #139 |
| Pennsylvania | 77 | 6.245% | $6,030 | #183 |
| Indiana | 71 | 6.370% | $3,164 | #149 |
| Tennessee | 71 | 6.125% | $4,736 | #154 |
| South Carolina | 68 | 6.122% | $4,877 | #143 |
| Colorado | 65 | 6.120% | $3,675 | #138 |
| Maryland | 61 | 6.054% | $5,486 | #125 |
| Ohio | 60 | 6.370% | $4,766 | #170 |
| Massachusetts | 58 | 6.125% | $5,331 | #126 |
| Missouri | 57 | 6.370% | $4,038 | #135 |
| Wisconsin | 54 | 6.125% | $3,864 | #134 |
| Arizona | 46 | 6.226% | $6,187 | — |
| Michigan | 46 | 6.495% | $4,105 | — |
| Minnesota | 43 | 6.124% | $4,558 | — |
| Utah | 40 | 6.120% | $4,295 | — |
| Connecticut | 35 | 6.125% | $5,312 | — |
| Oregon | 35 | 6.324% | $5,940 | — |
| Alabama | 28 | 5.995% | $5,239 | — |
| Louisiana | 26 | 5.935% | $5,602 | — |
| New Hampshire | 24 | 6.124% | $4,335 | — |
| Oklahoma | 23 | 5.995% | $6,242 | — |
| Kansas | 22 | 5.962% | $3,615 | — |
| Kentucky | 22 | 6.120% | $4,310 | — |
| Arkansas | 21 | 6.370% | $4,069 | — |
| New Mexico | 21 | 6.120% | $5,299 | — |
| Idaho | 13 | 5.625% | $6,098 | — |
| Rhode Island | 13 | 5.995% | $4,650 | — |
| Montana | 12 | 6.370% | $5,203 | — |
| District of Columbia | 10 | 6.245% | $6,403 | — |
| Maine | 10 | 6.062% | $4,520 | — |
| Nebraska | 10 | 5.810% | $4,897 | — |
| Mississippi | 9 | 6.125% | $4,953 | — |
| Nevada | 9 | 5.968% | $4,824 | — |
| Hawaii | 8 | 6.058% | $12,113 | — |
| Delaware | 6 | 6.058% | $6,240 | — |
| Vermont | 6 | 6.248% | $6,235 | — |
| West Virginia | 6 | 6.606% | $5,578 | — |
| Iowa | 5 | 6.620% | $4,660 | — |
| South Dakota | 4 | 6.433% | $7,883 | — |
| North Dakota | 3 | 6.000% | $4,806 | — |
| Alaska | 1 | 6.391% | $1,313 | — |
| Wyoming | 1 | 5.990% | $9,825 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,156 | 6.370% | — | 40 | −$1,228 | |
| 2 | $4,184 | 6.120% | — | 25 | −$1,200 | |
| 3 | $4,451 | 6.433% | — | 16 | −$933 | |
| 4 | $4,690 | 6.125% | — | 20 | −$694 | |
| 5 | $4,740 | 6.124% | — | 18 | −$644 | |
| 6 | $5,063 | 6.120% | — | 18 | −$321 | |
| 7 | $5,185 | 6.120% | — | 19 | −$199 | |
| 8 | $5,308 | 6.185% | — | 16 | −$76 | |
| 9 | $5,405 | 6.120% | — | 46 | +$21 | |
| 10 | $5,491 | 6.120% | — | 16 | +$107 | |
| 11 | $5,516 | 6.500% | — | 18 | +$132 | |
| 12 | $5,792 | 6.310% | — | 16 | +$408 | |
| 13 | $6,186 | 6.120% | — | 31 | +$802 | |
| 14 | $6,192 | 6.370% | — | 23 | +$808 | |
| 15 | $6,309 | 6.370% | — | 17 | +$925 | |
| 16 | $6,614 | 6.163% | — | 34 | +$1,230 | |
| 17 | $7,123 | 6.370% | — | 21 | +$1,739 | |
| 18 | $7,125 | 6.250% | — | 17 | +$1,741 | |
| 19 | $7,274 | 6.313% | — | 41 | +$1,890 | |
| 20 | $7,388 | 6.120% | — | 25 | +$2,004 |
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 | Sage Home Loans Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $425,000 | $335,000 | +$90,000 (+26.9%) |
| Median total closing costs | $5,384 | $7,127 | −$1,743 (−24.5%) |
Other high-volume lenders side-by-side.
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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.