Purchase Originations
114
Median Total Costs
$7,344
+9.9% vs national ($6,680)
↑ $446 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$3,563
Median Lender Credits
$70
Denial Rate
0.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 106 | 6.750% | $7,299 | $3,580 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Georgia | 113 | 6.625% | $7,353 | #135 |
| North Carolina | 1 | 7.500% | $5,699 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,496 | 6.990% | — | 1 | −$2,848 | |
| 2 | $4,692 | 7.125% | — | 1 | −$2,652 | |
| 3 | $4,896 | 7.500% | — | 1 | −$2,448 | |
| 4 | $5,542 | 7.375% | — | 1 | −$1,802 | |
| 5 | $5,699 | 7.500% | — | 1 | −$1,645 | |
| 6 | $5,935 | 6.875% | — | 4 | −$1,409 | |
| 7 | $6,298 | 6.750% | — | 21 | −$1,046 | |
| 8 | $6,617 | 7.250% | — | 1 | −$727 | |
| 9 | $7,307 | 6.625% | — | 42 | −$37 | |
| 10 | $7,661 | 6.875% | — | 15 | +$317 | |
| 11 | $7,684 | 6.995% | — | 4 | +$340 | |
| 12 | $8,173 | 6.125% | — | 1 | +$829 | |
| 13 | $8,567 | 6.688% | — | 8 | +$1,223 | |
| 14 | $9,385 | 6.500% | — | 1 | +$2,041 | |
| 15 | $9,398 | 6.625% | — | 5 | +$2,054 | |
| 16 | $11,227 | 6.375% | — | 6 | +$3,883 | |
| 17 | $21,877 | 6.750% | — | 1 | +$14,533 |
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 | Sanctuary Home Mortgage LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $435,000 | $335,000 | +$100,000 (+29.9%) |
| Median total closing costs | $7,344 | $7,127 | +$217 (+3.0%) |
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.