# STG MORTGAGE INC

> **Canonical URL:** https://saferate.com/lenders/stg-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


STG MORTGAGE INC is a independent mortgage company, headquartered in ORANGE, CA, serving borrowers across 33 states, with 1,540 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 52% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 54% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493000349C5XXDRQX28
- **Headquarters:** ORANGE, CA
- **Geographic Reach:** Near-National
- **States Served:** 33
- **State List:** AL, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, LA, MA, MD, MI, MN, MT, NC, NH, NJ, NV, OH, OR, PA, SC, TN, TX, UT, VA, WA, WI, WV
- **Markets (MSAs):** 35
- **Primary Channel:** wholesale
- **Direct Origination:** 0.5%
- **Brokered/Wholesale:** 99.5%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.285%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,243
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,540
- **Dollar Volume:** $803 million
- **Applications Received:** 2,672
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $521,688
- **Average Borrower Income:** $211,966
- **Average Property Value:** $705,909

## Safe Rate Awards 🏆

- ⭐ **VA Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 66/100 | 842 | +0.269% | $2,147 | Strong 😀 |
| FHA | 75/100 | 523 | +0.446% | $2,718 | Strong 😀 |
| VA | 68/100 | 97 | -0.526% | $1,273 | Strong 😀 |
| Jumbo | 73/100 | 62 | +0.611% | $1,192 | Strong 😀 |
| USDA | 50/100 | 16 | -0.129% | $2,432 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 639 loans, Score: 61/100 (Strong)
- Refinance: 203 loans, Score: 60/100 (Strong)

**FHA:**
- Purchase: 477 loans, Score: 74/100 (Strong)
- Refinance: 46 loans, Score: 73/100 (Strong)

**VA:**
- Purchase: 86 loans, Score: 69/100 (Strong)

**Jumbo:**
- Purchase: 39 loans, Score: 71/100 (Strong)
- Refinance: 23 loans, Score: 78/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 69/100 | 1,257 | $642M | +0.323% | Strong 😀 |
| Refinance | 61/100 | 283 | $161M | +0.143% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 707 | 0.25% | 77/100 |
| FL | 145 | 0.05% | 59/100 |
| AZ | 125 | 0.13% | 64/100 |
| TX | 91 | 0.03% | 54/100 |
| GA | 79 | 0.06% | 58/100 |
| AL | 63 | 0.11% | 59/100 |
| NJ | 45 | 0.05% | 54/100 |
| CO | 36 | 0.04% | 50/100 |
| WA | 32 | 0.04% | 50/100 |
| PA | 30 | 0.02% | 47/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 145 | 69/100 |
| Riverside | CA | 111 | 66/100 |
| Phoenix | AZ | 104 | 63/100 |
| San Diego | CA | 81 | 64/100 |
| Non |  | 72 | 44/100 |
| Oakland | CA | 68 | 65/100 |
| Sacramento | CA | 53 | 58/100 |
| Birmingham, AL | AL | 49 | 63/100 |
| Atlanta | GA | 43 | 54/100 |
| Santa Rosa | CA | 41 | 66/100 |
| Anaheim | CA | 35 | 55/100 |
| Oxnard | CA | 32 | 59/100 |
| Houston | TX | 26 | 47/100 |
| Orlando | FL | 24 | 48/100 |
| New York | NY-NJ | 22 | 47/100 |

## Where This Lender Ranks

STG MORTGAGE INC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#10** in Santa Rosa Mortgage Companies
  - [View Full Rankings](https://saferate.com/santa-rosa/best-mortgage-lenders/mortgage-companies)
- 🏆 **#10** in Napa, CA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/napa-ca/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#11** in Santa Rosa for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/santa-rosa/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#12** in Oakland for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#12** in Santa Rosa for FHA Loans
  - [View Full Rankings](https://saferate.com/santa-rosa/best-mortgage-lenders/fha-loans)
- 🏆 **#14** in Santa Rosa for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/santa-rosa/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#14** in San Francisco for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#17** in Los Angeles for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#17** in Santa Rosa
  - [View Full Rankings](https://saferate.com/santa-rosa/best-mortgage-lenders)
- 🏆 **#17** in Napa, CA for Conventional Loans
  - [View Full Rankings](https://saferate.com/napa-ca/best-mortgage-lenders/conventional-loans)
- 🏆 **#18** in San Diego for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-diego/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#18** in Vallejo, CA Mortgage Companies
  - [View Full Rankings](https://saferate.com/vallejo-ca/best-mortgage-lenders/mortgage-companies)
- 🏆 **#19** in Los Angeles Mortgage Companies
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/mortgage-companies)
- 🏆 **#19** in Oakland Mortgage Companies
  - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does STG MORTGAGE INC offer?

STG MORTGAGE INC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does STG MORTGAGE INC offer mortgages?

STG MORTGAGE INC offers mortgages in 33 states: AL, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, LA, MA, MD, MI, MN, MT, NC, NH, NJ, NV, OH, OR, PA, SC, TN, TX, UT, VA, WA, WI, WV.

### How competitive are STG MORTGAGE INC's mortgage rates?

STG MORTGAGE INC has a pricing score of 48/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.285% above market average.

### What type of lender is STG MORTGAGE INC?

STG MORTGAGE INC is a non-depository lender that specializes in mortgage origination, headquartered in ORANGE, CA.

### What is STG MORTGAGE INC's loan approval success rate?

STG MORTGAGE INC has a pull-through score of 46/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/stg-mortgage

### How to Cite

> "STG MORTGAGE INC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/stg-mortgage

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