Sanctuary Home Mortgage at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
80th3.6% deniedPricingmedian rate spread over APOR, weight 30%
52nd0.25 ptsProcesswithdrawn + incomplete share, weight 15%
4th33.5%Closing coststotal loan costs ÷ loan amount, weight 10%
59th1.69% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 240 | 174 | 2.1% | 2.8% | 6.63% | $72M |
| 2024 | 219 | 153 | 2.3% | 3.2% | 6.99% | $74M |
| 2025 | 212 | 136 | 2.4% | 3.6% | 6.63% | $68M |
What Sanctuary Home Mortgage lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 12 investment properties.
Why Sanctuary Home Mortgage denies applications
Primary reason reported for each of the 5 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Sanctuary Home Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 28 | 17 | 5.6% |
| $100k – $150k | 41 | 27 | 6.9% |
| $150k – $250k | 75 | 46 | 2.1% |
| Over $250k | 55 | 38 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 65 | 42 | 0.0% |
| 35–44 | 51 | 31 | 0.0% |
| 45–54 | 36 | 25 | 10.7% |
| 55–64 | 39 | 26 | 0.0% |
Where Sanctuary Home Mortgage lends
3 states and 26 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Georgia | 207 | 135 | 1.9% | 6.63% | #245 |
Frequently asked questions
Sanctuary Home Mortgage denied 3.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 80th percentile of small mortgage lenders.
The most common reason Sanctuary Home Mortgage gave in 2025 was "debt-to-income ratio", cited on 60.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Sanctuary Home Mortgage originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.25 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 90% of its applications were for home purchases, 10% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 94% conventional, 5% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.