Lenox Financial Mortgage Corporation, Sage Home Loans Corporation: 2025 mortgage rates, costs & approvals
How Lenox Financial Mortgage Corporation, Sage Home Loans Corporation priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation · LEI 549300LROQOOQU77WS20
In 2025, Lenox Financial Mortgage Corporation, Sage Home Loans Corporation originated 5,382 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 50 states — 117th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.37% (all lenders: 6.625%); its median rate spread was 34 basis points below the national median. Median conventional loan costs were $5,200, 7% lower than the national median ($5,570).
It denied 11.2% of completed home-purchase applications (all lenders: 8.5%).
How Lenox Financial Mortgage Corporation, Sage Home Loans Corporation priced home-purchase loans
| Purchase loans, 2025 | Lenox Financial Mortgage Corporation, Sage Home Loans Corporation | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.370% | 6.625% |
| 30-year fixed rate · FHA | 6.124% | 6.250% |
| 30-year fixed rate · VA | 5.875% | 6.125% |
| 15-year fixed rate · conventional | 5.500% | 5.875% |
| Rate spread vs. APOR · conventional | −0.20 pts | +0.13 pts |
| Total loan costs · conventional | $5,200 | $5,570 |
| Total loan costs · FHA | $10,160 | $11,310 |
| Total loan costs · VA | $10,820 | $6,490 |
| Origination charges (all types) | $1,490 | $1,860 |
| Borrowers paying discount points | 45.4% | 51.3% |
| Points paid, when paid (% of loan) | 0.65% | 0.87% |
| Borrowers receiving lender credits | 71.3% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Lenox Financial Mortgage Corporation, Sage Home Loans Corporation denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Lenox Financial Mortgage Corporation, Sage Home Loans Corporation lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| California | 475 | 662 | 13.5% | 6.240% | $6,710 |
| Texas | 396 | 565 | 12.4% | 6.375% | $6,100 |
| North Carolina | 292 | 384 | 7.1% | 6.370% | $4,200 |
| Washington | 291 | 347 | 4.5% | 6.245% | $5,030 |
| Georgia | 268 | 364 | 12.4% | 6.341% | $5,060 |
| Florida | 242 | 360 | 14.4% | 6.375% | $6,220 |
| New Jersey | 222 | 301 | 11.1% | 6.370% | $6,230 |
| Virginia | 216 | 284 | 14.0% | 6.120% | $4,690 |
| Illinois | 183 | 236 | 9.5% | 6.370% | $6,810 |
| Pennsylvania | 181 | 224 | 9.2% | 6.370% | $5,930 |
| Colorado | 181 | 221 | 3.8% | 6.370% | $3,630 |
| Tennessee | 156 | 203 | 9.0% | 6.245% | $4,600 |
| Ohio | 155 | 196 | 11.5% | 6.495% | $4,530 |
| Indiana | 153 | 188 | 7.1% | 6.495% | $3,130 |
| Massachusetts | 147 | 192 | 9.9% | 6.348% | $5,330 |
| Maryland | 143 | 192 | 9.0% | 6.245% | $5,170 |
| Arizona | 132 | 175 | 19.7% | 6.370% | $6,010 |
| South Carolina | 128 | 182 | 9.3% | 6.495% | $4,750 |
| Missouri | 121 | 155 | 15.5% | 6.495% | $3,960 |
| Wisconsin | 118 | 144 | 6.3% | 6.245% | $3,520 |
| Michigan | 117 | 151 | 11.9% | 6.495% | $4,090 |
| Minnesota | 112 | 149 | 17.2% | 6.267% | $4,460 |
| Oregon | 93 | 123 | 10.4% | 6.324% | $5,940 |
| Utah | 89 | 114 | 6.1% | 6.370% | $4,070 |
| Connecticut | 68 | 94 | 10.2% | 6.495% | $5,310 |
| Alabama | 60 | 97 | 15.6% | 5.995% | $4,840 |
| New Hampshire | 59 | 71 | 7.1% | — | $4,270 |
| Kentucky | 58 | 78 | 23.5% | — | $4,270 |
| Nevada | 44 | 58 | — | — | — |
| Louisiana | 41 | 61 | 8.8% | — | $5,240 |
| Kansas | 39 | 51 | 7.7% | — | $3,500 |
| Arkansas | 37 | 52 | 14.8% | — | $3,810 |
| New Mexico | 36 | 54 | 18.8% | — | $5,170 |
| Oklahoma | 36 | 49 | 10.3% | — | $6,130 |
| Montana | 35 | 47 | — | — | — |
| Maine | 32 | 41 | — | — | — |
| Rhode Island | 30 | 40 | — | — | — |
| Idaho | 30 | 36 | — | — | — |
| District of Columbia | 26 | 33 | — | — | — |
| Delaware | 23 | 32 | — | — | — |
| Nebraska | 21 | 27 | — | — | — |
| Mississippi | 18 | 25 | — | — | — |
| West Virginia | 15 | 26 | — | — | — |
| Hawaii | 15 | 24 | — | — | — |
| Vermont | 13 | 20 | — | — | — |
| South Dakota | 13 | 18 | — | — | — |
| Iowa | 10 | 16 | — | — | — |
| North Dakota | 6 | 6 | — | — | — |
| Wyoming | 5 | 9 | — | — | — |
| Alaska | 1 | 3 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Lenox Financial Mortgage Corporation, Sage Home Loans Corporation's page for that state.
Counties where Lenox Financial Mortgage Corporation, Sage Home Loans Corporation is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Calhoun County, WV | 4 | 2 | 10.0% |
| Culberson County, TX | 5 | 1 | 7.7% |
| Duval County, TX | 11 | 1 | 5.3% |
| Chouteau County, MT | 17 | 1 | 2.9% |
| Inyo County, CA | 6 | 3 | 2.7% |
| Adams County, IA | 18 | 1 | 2.7% |
| Pickett County, TN | 15 | 1 | 2.4% |
| Talbot County, GA | 23 | 1 | 2.1% |
| Montgomery County, GA | 21 | 1 | 2.1% |
| Ringgold County, IA | 23 | 1 | 2.0% |
| Hartley County, TX | 20 | 1 | 1.8% |
| Storey County, NV | 23 | 1 | 1.6% |
| Grant County, OR | 25 | 1 | 1.5% |
| Clay County, TN | 25 | 1 | 1.5% |
| Northampton County, VA | 21 | 2 | 1.4% |
Check Lenox Financial Mortgage Corporation, Sage Home Loans Corporation yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300LROQOOQU77WS20.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Lenox Financial Mortgage Corporation, Sage Home Loans Corporation with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology