Applications / Mortgage Analytics / Lenders / South Carolina / Sage Home Loans
Fort Mill, SC · Independent non-bank lender · CFPB · 5,807 loans in 2025
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5,807
loans originated, 2025
12,529
applications, 2025
50
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sage Home Loans is a lender of conventional loans, mostly refinances in 2025, whose originations rose 241% to 5,807, faster than almost all similar lenders.
Originations rose 241% from 1,703 in 2024, against 11% for similar lenders (independent non-bank lenders making between half and twice as many loans) and 10% for the whole market. The rise follows a sharp drop: it made 3,971 loans in 2020 and 377 in 2023. Refinances made up 56.4% of its 2025 lending and home purchases 43.6%.
Conventional loans were 96.3% of its lending, against 64.2% at similar lenders, higher than about nine in ten of them; FHA loans (insured by the Federal Housing Administration) were 2.3%, against 25.1%. Its typical rate was 6.00%, against 6.62%, lower than about nine in ten similar lenders, and 0.1% of its loans were higher-priced (a rate well above the average for similar loans), against 3.1%.
Only 11.1% of its loans went to LMI (low- and moderate-income) borrowers and 10.7% to LMI areas, against 28.4% and 19.9% at similar lenders, both among the lowest tenth. Its small FHA share and larger loans (typically $435,000, against $315,000) could explain this, since FHA lending often serves lower-income buyers.
It ranked 71 of 597 lenders in Seattle-Tacoma-Bellevue and 94 of 757 in Washington-Arlington-Alexandria, two of its largest markets. It entered non-metro Vermont, Burlington-South Burlington and Gulfport-Biloxi in 2025, ranking 58 of 264, 56 of 146 and 81 of 319.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Sage Home Loans took 12,529 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 56.4% · Purchase 43.6%
Conventional 96.3% · FHA 2.3% · VA 1.4% · of 5,807 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 537 | 9.2% |
| Texas | 435 | 7.5% |
| North Carolina | 318 | 5.5% |
| Washington | 301 | 5.2% |
| Georgia | 291 | 5.0% |
| Florida | 263 | 4.5% |
| New Jersey | 234 | 4.0% |
| Virginia | 233 | 4.0% |
| Colorado | 195 | 3.4% |
| Illinois | 189 | 3.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 154 |
| Charlotte-Concord-Gastonia | 152 |
| Seattle-Bellevue-Kent | 140 |
| Chicago-Naperville-Schaumburg | 138 |
| Arlington-Alexandria-Reston | 121 |
| Dallas-Plano-Irving | 121 |
| Denver-Aurora-Centennial | 120 |
| Phoenix-Mesa-Chandler | 107 |
| Minneapolis-St. Paul-Bloomington | 100 |
| Houston-Pasadena-The Woodlands | 97 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LROQOOQU77WS20 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3885440 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7954762204 |
Established 10 September 1999. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Sage Home Loans's data.
Sage Home Loans's data
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Sage Home Loans and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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