A home buyer's lender
Purchases made up 91.2% of its loans in 2025 and refinances the rest. Nearly all were conventional, at 93.4%; government-backed loans were a sliver, and it made no loans on manufactured homes and bought none from other lenders.
Applications / Mortgage Analytics / Lenders / Georgia / Sanctuary Home Mortgage
Sanctuary Home Mortgage
Alpharetta, GA · Non-bank or government lender · CFPB · 136 loans in 2025
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136
loans originated, 2025
212
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sanctuary Home Mortgage, a non-bank lender in Alpharetta, Georgia, lends almost only to home buyers, and its volume has shrunk every year since its peak in 2021.
Shrinking in a growing market
Its loans fell 11% to 136, while similar lenders (non-banks making between half and twice as many loans) grew by 5% and the whole market by 10%. That leaves it at about half its 2021 total of 262, though still above the 80 loans of 2020, its first year of reporting. Atlanta is its main market, where it ranked 150 of 892 lenders.
Bigger loans, fewer in poorer areas
Its typical loan was $435,000, against $390,000 at similar lenders, and 11.1% of its loans were jumbo (larger than the conforming limit), against 1.5%. Only 9.8% went to homes in low- and moderate-income (LMI) neighborhoods, against 23.9%, lower than almost nine in ten similar lenders. A lender built around larger purchase loans may simply find fewer of its customers in those areas.
Few applicants turned away
It turned down 0.9% of decided home-purchase applications, against 2.5% at similar lenders. Its typical rate, 6.62%, matched theirs, and none of its 2025 loans was higher-priced (a rate well above the average for similar loans).
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, 2020–2025
136 loans in 2025, against a peak of 262 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Sanctuary Home Mortgage took 212 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
91.2% of its 2025 loans were purchase loans; 93.4% were conventional loans.
Purchase 91.2% · Refinance 8.8%
Conventional 93.4% · FHA 5.1% · VA 1.5% · of 136 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
2 states, 7 metros, 19 counties
| State | Loans | Share |
|---|---|---|
| Georgia | 135 | 99.3% |
| North Carolina | 1 | 0.7% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 95 |
| Marietta | 33 |
| Columbus | 2 |
| Athens-Clarke County | 1 |
| Dalton | 1 |
| Gainesville | 1 |
| Raleigh-Cary | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300U0J1T0K63EKR14 | 2020–2025 |
Established 20 November 2019. Reported under HMDA 2020-2025.
Mergers, name changes, data editions and corrections: Sanctuary Home Mortgage's data.
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