STG Mortgage Inc.: 2025 mortgage rates, costs & approvals
How STG Mortgage Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: STG MORTGAGE INC · LEI 5493000349C5XXDRQX28
In 2025, STG Mortgage Inc. originated 2,174 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 35 states — 263rd by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $8,220, 48% higher than the national median ($5,570).
It denied 10.5% of completed home-purchase applications (all lenders: 8.5%).
How STG Mortgage Inc. priced home-purchase loans
| Purchase loans, 2025 | STG Mortgage Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.250% | 6.250% |
| 30-year fixed rate · VA | 6.125% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.16 pts | +0.13 pts |
| Total loan costs · conventional | $8,220 | $5,570 |
| Total loan costs · FHA | $20,060 | $11,310 |
| Total loan costs · VA | $7,570 | $6,490 |
| Origination charges (all types) | $6,110 | $1,860 |
| Borrowers paying discount points | 43.9% | 51.3% |
| Points paid, when paid (% of loan) | 0.37% | 0.87% |
| Borrowers receiving lender credits | 60.0% | 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 STG Mortgage Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where STG Mortgage Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| California | 760 | 922 | 10.4% | 6.625% | $10,230 |
| Florida | 420 | 504 | 12.0% | 6.624% | $8,750 |
| Texas | 214 | 256 | 11.5% | 6.500% | $7,020 |
| Arizona | 111 | 129 | 6.5% | 6.500% | $5,490 |
| Colorado | 79 | 92 | 5.8% | 6.375% | $5,760 |
| Pennsylvania | 69 | 81 | 10.4% | 6.875% | $6,780 |
| New Jersey | 65 | 84 | 11.3% | 6.750% | $11,770 |
| Virginia | 59 | 73 | 11.9% | — | — |
| Washington | 49 | 60 | 5.4% | 6.625% | $8,220 |
| Georgia | 43 | 53 | 10.9% | — | — |
| Oregon | 36 | 41 | 2.9% | 6.625% | $12,100 |
| Illinois | 30 | 37 | 15.4% | — | — |
| Ohio | 28 | 31 | 3.9% | 6.375% | $5,170 |
| Tennessee | 25 | 29 | 3.7% | — | — |
| Indiana | 24 | 32 | — | — | — |
| South Carolina | 24 | 27 | 4.3% | — | — |
| Maryland | 21 | 25 | — | — | — |
| North Carolina | 16 | 22 | — | — | — |
| Nevada | 15 | 19 | — | — | — |
| Michigan | 11 | 14 | — | — | — |
| Connecticut | 11 | 12 | — | — | — |
| Alabama | 10 | 20 | — | — | — |
| Utah | 10 | 18 | — | — | — |
| Delaware | 9 | 10 | — | — | — |
| Idaho | 7 | 8 | — | — | — |
| Massachusetts | 6 | 17 | — | — | — |
| Wisconsin | 4 | 7 | — | — | — |
| Kansas | 4 | 6 | — | — | — |
| Montana | 4 | 4 | — | — | — |
| Minnesota | 3 | 4 | — | — | — |
| Maine | 2 | 3 | — | — | — |
| Kentucky | 2 | 2 | — | — | — |
| Nebraska | 2 | 2 | — | — | — |
| Iowa | 1 | 1 | — | — | — |
| District of Columbia | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open STG Mortgage Inc.'s page for that state.
Counties where STG Mortgage Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Throckmorton County, TX | 1 | 1 | 50.0% |
| Mendocino County, CA | 14 | 10 | 2.0% |
| Napa County, CA | 14 | 16 | 1.7% |
| Mariposa County, CA | 15 | 2 | 1.4% |
| Sonoma County, CA | 18 | 52 | 1.3% |
| Curry County, OR | 17 | 2 | 1.3% |
| Coffey County, KS | 17 | 1 | 1.2% |
| Jack County, TX | 19 | 1 | 1.0% |
| Osceola County, FL | 21 | 66 | 0.9% |
| Forest County, WI | 12 | 1 | 0.9% |
| Elko County, NV | 21 | 5 | 0.8% |
| Scott County, TN | 23 | 2 | 0.7% |
| Gooding County, ID | 21 | 1 | 0.7% |
| Apache County, AZ | 25 | 1 | 0.6% |
| Caldwell County, TX | 19 | 3 | 0.5% |
Check STG Mortgage Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493000349C5XXDRQX28.
- 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 STG Mortgage Inc. 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