Purchase Originations
1,792
Ranked #248 nationally
Median Total Costs
$13,843
+107.2% vs national ($6,680)
↑ $1,079 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$6,102
Median Lender Credits
$2,763
Cost Rank (500+ vol.)
#597
among lenders with 500+ originations
Denial Rate
7.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 890 | 6.625% | $8,233 | $3,452 |
| fha | 842 | 6.250% | $20,039 | $8,677 |
| va | 54 | 6.188% | $7,867 | $1,195 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 573 | 6.625% | $15,788 | #70 |
| Florida | 393 | 6.250% | $16,530 | #105 |
| Texas | 199 | 6.375% | $17,794 | #207 |
| Arizona | 84 | 6.495% | $6,405 | #112 |
| Colorado | 61 | 6.375% | $8,332 | #141 |
| Pennsylvania | 57 | 6.750% | $7,807 | #200 |
| Virginia | 56 | 6.750% | $19,606 | #174 |
| New Jersey | 49 | 6.625% | $16,709 | — |
| Georgia | 38 | 6.250% | $9,307 | — |
| Washington | 32 | 6.500% | $8,759 | — |
| Oregon | 31 | 6.500% | $12,101 | — |
| Ohio | 24 | 6.433% | $5,393 | — |
| Tennessee | 24 | 6.375% | $8,396 | — |
| South Carolina | 22 | 6.495% | $10,063 | — |
| Illinois | 21 | 6.490% | $10,502 | — |
| Indiana | 17 | 6.500% | $4,823 | — |
| Maryland | 16 | 6.875% | $23,116 | — |
| Nevada | 15 | 6.250% | $10,796 | — |
| Michigan | 10 | 6.625% | $9,735 | — |
| North Carolina | 10 | 6.433% | $4,854 | — |
| Utah | 9 | 6.125% | $21,550 | — |
| Alabama | 8 | 6.062% | $10,346 | — |
| Connecticut | 8 | 6.250% | $14,754 | — |
| Idaho | 6 | 6.750% | $9,004 | — |
| Delaware | 5 | 6.625% | $5,107 | — |
| Massachusetts | 5 | 6.750% | $14,686 | — |
| Wisconsin | 4 | 6.625% | $2,865 | — |
| Kansas | 3 | 6.375% | $6,124 | — |
| Minnesota | 3 | 5.875% | $11,457 | — |
| Montana | 3 | 6.490% | $7,252 | — |
| Maine | 2 | 6.562% | $10,768 | — |
| Nebraska | 2 | 6.558% | $5,817 | — |
| Iowa | 1 | 6.500% | $9,336 | — |
| Kentucky | 1 | 5.875% | $3,575 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $7,394 | 6.625% | — | 22 | −$6,449 | |
| 2 | $7,882 | 6.495% | — | 54 | −$5,961 | |
| 3 | $9,606 | 6.625% | — | 35 | −$4,237 | |
| 4 | $12,097 | 6.495% | — | 38 | −$1,746 | |
| 5 | $12,127 | 6.375% | — | 25 | −$1,716 | |
| 6 | $14,583 | 6.562% | — | 20 | +$740 | |
| 7 | $15,457 | 6.625% | — | 29 | +$1,614 | |
| 8 | $16,282 | 6.495% | — | 26 | +$2,439 | |
| 9 | $16,661 | 6.375% | — | 34 | +$2,818 | |
| 10 | $17,112 | 6.500% | — | 25 | +$3,269 | |
| 11 | $17,445 | 6.250% | — | 41 | +$3,602 | |
| 12 | $17,660 | 6.125% | — | 21 | +$3,817 | |
| 13 | $17,706 | 6.250% | — | 35 | +$3,863 | |
| 14 | $18,470 | 6.500% | — | 34 | +$4,627 | |
| 15 | $19,858 | 6.625% | — | 36 | +$6,015 | |
| 16 | $20,654 | 6.500% | — | 30 | +$6,811 | |
| 17 | $21,094 | 6.125% | — | 66 | +$7,251 | |
| 18 | $21,425 | 6.625% | — | 110 | +$7,582 | |
| 19 | $21,668 | 6.500% | — | 98 | +$7,825 | |
| 20 | $22,895 | 6.625% | — | 54 | +$9,052 |
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 | STG Mortgage Inc | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $435,000 | $335,000 | +$100,000 (+29.9%) |
| Median total closing costs | $13,843 | $7,127 | +$6,716 (+94.2%) |
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.