Sage Home Loans Review
See how often this lender's Bankrate auction price beats comparable loans from 2025.
Bankrate verified lender
This lender is a Bankrate Auction Participant, meaning we verify their offer authenticity and hold them to high standards to ensure you get the best possible rate offer.
How Bankrate scores Sage Home Loans
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
5 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
5 out of 5 - Customer complaints
How often consumers complain about this lender, and whether they get relief.
Clean5 out of 5 - Where and what they lend
How many states and loan types this lender serves.
93%5 out of 5
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
2025 ratings, across all four measures
A few more details worth knowing
Though these don't affect the star rating, we show them so you have the full picture.
For applicants age 62 and older, we measure two things: whether this lender denies them more often than its own lending patterns would predict after accounting for loan size, income, debt-to-income ratio, and loan type; and whether it lends to them at rates similar to comparable lenders. Both of those measures fell outside the expected range. Credit scores are not available in this dataset, so they are not included in the analysis. Because that variable is held constant across all lenders, it should reduce the extent to which missing credit-score data affects comparisons between them.
We looked at how often a lender's applications end up as closed loans, not counting any that were denied or the applicant withdrew. At this lender, fewer than 90% did, which might mean quoted terms changed before closing, applicants stepped away, or both.
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What Bankrate's editors think
Sage is an online-only lender with a nearly national footprint. It offers conventional, FHA, VA and jumbo loans, lists rates online with no contact information required and pairs borrowers with a dedicated loan officer. Most loans close within 30 days. If Sage misses your promised closing date, its close-on-time guarantee pays you $500. Its verified preapprovals can strengthen an offer in a competitive market and come with a $500 lender credit at closing.
About 86% of Sage’s mortgages were priced below comparable loans in 2025, and it charges less in added costs than roughly 80% of comparable lenders. Its strong pricing earned Sage perfect 5-star Overall and Bankrate Ratings. But about 36% of borrowers approved for a Sage mortgage don’t make it to closing, a notably higher rate than most lenders we review. Remember that a closing can fall through for reasons beyond a lender’s control, such as an applicant walking away, so ask about Sage’s closing process before you sign any paperwork.
Sage Home Loans is owned by Red Ventures, Bankrate’s parent company; we scored it using the same methodology we apply to every lender we review.
At a glance
Sage is a good fit for digitally savvy borrowers who want a fast mortgage application and closing process, and for anyone who values seeing rates online before committing to a lender. It’s not a good fit if an in-person, branch experience matters to you.
What consumers say
Summary: Sage Home Loans reviewers most commonly cite quick responses and a loan officer credited with explaining each step clearly. Regarding the sales process specifically, most describe it as respectful rather than aggressive, though a smaller share report feeling pressured.
Home loan process
Sage was really easy to do business with and very professional and helpful throughout the process. I would highly recommend them for you lending needs
Matt C. · Umitilla
mortgage loan service
Kerry was our loan officer and he is very knowledgable and responsive. The entire process was seamless. Definitely will refer to friends and for future opportunities to work together again!
Annie W. · 419 Custer ave
Home purchaser
I worked with Paul through Sage Home Loans. Paul and Sage Home Loans were great to work with. Paul is very friendly and professional; he effectively managed the process and kept us on track to be ready well before the closing date. Thank you Paul!
Jason · Virginia
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Figures are drawn from public lending and complaint data and weighted by loan volume.
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