Sage Home Loans NMLS #3304
At a glance
- HeadquartersFort Mill, SC
- Size5,807 home loans closed in 2025
- Loan typesConventional
- Licensed in43 states
- Formed in1999
2025 figures are for SAGE HOME LOANS CORPORATION's filing.
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Who is Sage Home Loans?
Sage Home Loans (NMLS #3304) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Is Sage Home Loans legit?
Here's what public licensing records show. Sage Home Loans holds mortgage licenses in 43 states, including Alaska, Arizona, Arkansas, California, Colorado (NMLS ID #3304, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
Key Facts
- Lender or brokerSage Home Loans
- NMLS #3304
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- Profile updated
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About Sage Home Loans
Overview
Sage Home Loans is a mortgage lender that works with consumers on home financing. Borrowers can start an application online and use a borrower portal to upload documents.
Mortgage options
Sage Home Loans offers financing for home purchase, mortgage refinance, and home-equity borrowing. Its home-equity option includes taking cash out of the home.
Locations
Sage Home Loans has 35 branches in Arizona, California, Colorado, Florida, Georgia, Hawaii, Illinois, Indiana, Michigan, Missouri, North Carolina, Nevada, Tennessee, Texas, Utah, and Wisconsin.
Company details and licensing
Sage Home Loans Corporation is a corporation formed in California on September 10, 1999. Its headquarters is at 1423 Red Ventures Drive, Suite 201, Fort Mill, South Carolina 29707, and its NMLS company ID is 3304. Trade names include Lenox Financial Mortgage Corporation, WesLend Financial, and Sage Mortgage. Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #3304 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asSAGE HOME LOANS CORPORATION
- 2025 home loan decisionsOf 7,816 applications decided by SAGE HOME LOANS CORPORATION in 2025, 5,807 were originated, 958 were approved but not accepted by the borrower, and 1,051 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 86.6%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 2,432 applications were withdrawn by the borrower, 2,281 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.239 percentage points below the average prime offer rate (reported on 5,456 originations, 351 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$4,525.80 — originated closed-end household loans, 2025, 5,807 loans. FFIEC HMDA data browser.
- Median origination charges$1,494.00 — originated closed-end household loans, 2025, 5,807 loans. FFIEC HMDA data browser.
- Median lender credits$1,113.07 — originated closed-end household loans, 2025, 4,114 of 5,807 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types5,593 Conventional, 135 FHA, 79 VA — of 5,807 reported originations, 2025. FFIEC HMDA data browser.
Evidence read November 11, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for SAGE HOME LOANS CORPORATION — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
Is Sage Home Loans legit?
Here's what public licensing records show. Sage Home Loans holds mortgage licenses in 43 states, including Alaska, Arizona, Arkansas, California, Colorado (NMLS ID #3304, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
What is Sage Home Loans's NMLS number?
Sage Home Loans's NMLS number is 3304. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Sage Home Loans's NMLS ID?
Yes. We checked Sage Home Loans's company name and NMLS ID against the NMLS record on July 29, 2026. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Sage Home Loans?
This page has Sage Home Loans's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.