SayGO Home Loans in Alabama vs the state
8.7%Denial rate-11.15 pts vs state
22.2%Decision denial rate-2.78 pts vs state
30.4%Origination rate-24.96 pts vs state
5.63%Median rate-0.88 pts vs state
-0.09Rate spread (pts)-0.37 pts vs state
$73kMedian applicant income
7Loans originated
2Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 27 | 8 | 0.0% | 6.06% | #356 |
| 2025 | 23 | 7 | 8.7% | 5.63% | #386 |
What SayGO Home Loans lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most SayGO Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 4 | 0 | 0 | 0.0% |
| Baldwin County | 3 | 2 | 0 | 0.0% |
| Jefferson County | 2 | 1 | 0 | 0.0% |
| Cullman County | 2 | 0 | 1 | 50.0% |
| Shelby County | 2 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 0 | 0 | 0.0% |
| Cherokee County | 1 | 0 | 0 | 0.0% |
| Tuscaloosa County | 1 | 0 | 0 | 0.0% |
| St. Clair County | 1 | 0 | 1 | 100.0% |
| Mobile County | 1 | 1 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 23 applications in 2025, of which 7 were originated and 2 denied.
8.7% of all applications, or 22.2% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans SayGO Home Loans originated in Alabama in 2025 was 5.63%, against a statewide median of 6.50%.
About this data. Figures are SayGO Home Loans's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology