Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

154 lenders

Mortgage lenders: S

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LenderLoansStatesDenial rate30-yr rate*Costs*
S. C. State Federal Credit Union73124.5%—$3,960
S&T Bank48876.7%6.625%$4,270
Sabine State Bank and Trust Company103220.0%——
Saco & Biddeford Savings Institution108110.3%——
Safe Credit Union25010.5%6.125%$6,980
Safe Federal Credit Union30117.7%6.375%$3,270
Salem Five Mortgage Company, LLC1,16657.9%6.625%$4,730
Sammamish Mortgage Company84951.4%6.375%$4,500
San Francisco Federal Credit Union15212.1%6.500%$6,380
San Mateo Credit Union122123.4%——
Sanctuary Home Mortgage LLC12530.9%6.750%$7,280
Sauk Valley Bank & Trust Company12123.7%——
SayGO Home Loans, LLC64725———
Scenic Oaks Funding, LLC93982.9%6.625%$6,450
Schoolsfirst2,31512.2%6.625%$4,950
Schumacher Mortgage LLC454142.5%—$16,030
Scott Credit Union58083.4%6.500%$2,730
Sea Comm9824.4%——
Seacoast National Bank414211.4%6.500%$6,400
Security Federal Bank190211.9%5.990%$5,770
Security Federal Savings Bank16712.8%6.750%$2,540
Security First Bank19174.2%6.375%$2,550
Security Home Mortgage, LLC.48471.0%6.624%$7,920
Security Service Federal Credit Union882529.3%6.375%$5,420
Security State Bank & Trust15712.2%6.750%$6,520
Securitynational Mortgage Company4,419449.1%6.875%$8,670
Sefcu Services, LLC2,19111.6%6.375%$3,930
Selco Community15610.0%6.240%$5,000
Select Lending Services LLC784163.6%6.750%$6,170
Self Reliance Ny153125.0%6.375%$5,700
Self-Help Credit Union120420.1%8.000%—
Self-Help Federal Credit Union303515.6%8.250%—
Selfreliance Federal Credit Union14790.8%——
Semper Home Loans, Inc.386147.8%6.875%$7,220
Sente Mortgage, Inc.787141.3%6.875%$7,830
Service Federal Credit Union5794521.1%6.500%$3,570
Service First Federal Credit Union14042.5%——
Servion, Inc.1,525373.0%6.500%$4,510
Servis One, Inc.17735———
ServisFirst Bank827142.3%6.500%$3,970
Servu Federal Credit Union12928.2%——
Seven Seventeen Credit Union49124.8%6.500%$3,470
SFMC, LP3,158164.5%6.490%$8,840
Sharon & Crescent United Credit Union10523.1%—$3,540
Shea Mortgage Inc.1,072112.1%6.375%$530
Shell Federal Credit Union29214.6%6.500%$5,910
Shelter Home Mortgage, LLC27653.6%6.875%$6,510
Shelter Lending Services, L.L.C.10220.0%6.750%$4,400
Sherburne State Bank11620.9%——
Shinhan Bank America17751.2%——
Shore United Bank, N.A.777145.3%6.625%$6,270
Sibcy Cline Mortgage Services, Inc.25437.3%6.750%$3,700
Sidney Federal Credit Union68432.5%6.625%$3,830
Sierra Pacific Mortgage Company, Inc.6,183467.5%6.625%$7,580
Signature Bank of Arkansas19543.4%——
Sikorsky Financial Credit Union25613.2%6.375%$4,910
Silver State Schools Service Company, LLC19313.3%5.750%$3,790
Simmons Bank1,1122113.0%6.750%$4,000
Simplicity183110.5%6.375%$2,450
Siouxland Federal Credit Union15351.5%—$4,640
Sirva Mortgage, Inc.1,178491.6%6.625%$220
SIU Credit Union9517.9%——
Skowhegan Savings Bank80118.8%——
Skyla Federal Credit Union20587.8%6.490%$5,890
Skyline National Bank14833.3%——
Skyrock Mortgage Corp22771.1%6.500%—
Smart Financial Credit Union6216.3%—$5,370
SmartBank425123.3%6.375%$4,650
Sofi Bank, N.A.5,243517.2%6.625%$4,840
Solvay Bank16213.9%——
Somerset Regal Bank12911.0%——
Somerset Trust Company37075.3%6.125%$3,970
Sound Credit Union13122.5%6.250%$4,890
South Atlantic Bank18623.0%——
South Carolina Federal Credit Union35864.4%6.500%$7,710
South Central Bank, Inc.51575.5%6.375%$2,990
SouthEast Bank107116.3%7.650%$4,150
Southeast Mortgage of Georgia, Inc.1,15593.4%6.875%$6,560
Southern Bancorp Bank3681114.2%6.500%$3,290
Southern Bank38089.3%7.000%$2,220
Southern Bank and Trust Company46634.5%6.500%$6,830
Southern First Bank714151.9%6.625%$4,220
Southern Lending Services, Ltd.27021.5%5.990%$3,240
Southern Michigan Bank & Trust20259.4%——
Southern Trust Mortgage, LLC1,693103.0%6.625%$6,480
SouthPoint Bank51543.2%6.500%$3,590
Southpoint Financial18654.8%——
Southside Bank205239.5%6.750%$6,260
SouthStar Bank, S.S.B.101321.3%——
SouthState Bank, N.A.4,268249.3%6.625%$5,520
Southwest Airlines Federal Credit Union962420.0%6.125%$7,100
Southwest Funding, LP1,431265.8%6.750%$7,110
Southwest Missouri Bank167323.1%6.375%$2,180
Sovereign Bank279101.9%6.750%$4,620
Space Coast Credit Union1,173110.5%6.750%$0
Spokane Teachers58146.0%6.375%$6,300
SRP Federal Credit Union307221.5%6.375%$5,950
St. Anne's Credit Union111216.5%6.250%$5,160
St. Cloud Financial14242.4%6.375%$5,060
St. Mary's Bank Credit Union271310.2%6.625%$4,030
Standard Mortgage Corporation453135.4%6.500%$5,140
Stanford Federal Credit Union366281.3%6.625%$5,630
Star Financial Bank276713.2%6.875%$2,810
Star ONE Credit Union680275.7%6.375%$4,530
Starboard Financial Management, LLC13961.7%6.750%$7,260
State Bank of Southern Utah10035.5%6.625%$3,870
State Department Federal Credit Union176379.0%6.000%$6,840
State Employees Credit Union68123.5%—$5,410
State Employees Credit Union of Maryland, Incorporated76365.7%6.625%$5,030
State Employees'11,575513.7%6.500%$4,730
State Financial Network, LLC16781.5%6.500%$3,590
State Savings Bank10116.2%——
Staunton Financial, Inc.2,30494.3%6.625%$4,190
Stellar Bank84231.9%—$12,280
STG Mortgage Inc.2,1743510.5%6.625%$8,220
Stifel Bank and Trust2,764501.0%6.375%$3,380
Stillman BancCorp N.A.15954.0%6.550%$2,950
Stock Yards Bank & Trust Company93688.6%6.750%$3,480
Stockman Bank of Montana1,03842.8%6.500%$6,360
Stockton Mortgage Corporation6,311255.3%6.625%$5,390
Stone Meadow Lending, LLC36014.5%6.125%$4,720
Stonewood Home Lending, LLC42911.8%6.625%$9,040
Stride Bank, N.A.1,551322.3%6.500%$4,990
Strong Home Mortgage, LLC585289.0%6.490%$3,870
Studio Bank142101.7%6.625%$4,220
Sturgis Bank & Trust Company29622.3%6.500%$3,380
Success Lending, LLC7273617.4%6.625%$5,920
Success Mortgage Partners, Inc.3,562402.5%6.625%$6,730
Sullivan Bank17723.0%6.625%$2,650
Summit Credit Union2,82284.3%6.625%$3,090
Summit Funding, Inc.4,260404.7%6.875%$8,660
Summit Mortgage Bankers Inc.39862.3%6.500%$6,570
Summit Mortgage Corporation1,104222.8%6.750%$5,720
Summit Mortgage Corporation36883.7%6.624%$6,960
Sun American Mortgage Company54962.2%6.625%$4,520
SUN Federal Credit Union13281.1%6.125%$3,410
Sun West Mortgage Company, Inc.7,5015111.6%6.625%$7,850
Suncoast Credit Union2,07896.7%6.500%$4,070
Sunflower Bank, N.A.3,053412.8%6.625%$6,140
Sunmark Credit Union31516.2%6.375%$4,200
Sunrise Banks, N.A.159315.1%——
Sunward Federal Credit Union70771.2%6.500%$4,450
Superior Choice Credit Union8325.0%—$3,660
Superior Credit Union, Inc.84997.0%6.500%$3,150
Superior Financial Solutions, LLC10933.1%6.625%$3,320
Superior National Bank611122.3%6.625%$3,650
Susser Bank288114.2%6.875%$7,100
SWBC Mortgage Corporation5,605343.1%6.625%$3,970
Synergy One Lending, Inc.6,529445.9%6.750%$6,470
Synovus Bank2,04298.1%6.500%$5,380
The Security National Bank of Sioux City, Iowa140615.8%——
The State Bank and Trust Company859113.2%6.500%$3,780
The Stephenson National Bank and Trust80211.1%——
THE Summit Federal Credit Union14513.0%6.500%$2,980

*Conventional home-purchase medians, at least 20 loans.