SayGO Home Loans in Arizona vs the state
9.3%Denial rate-6.96 pts vs state
21.8%Decision denial rate+1.43 pts vs state
32.7%Origination rate-26.80 pts vs state
5.50%Median rate-1.00 pts vs state
0.09Rate spread (pts)-0.13 pts vs state
$92kMedian applicant income
67Loans originated
19Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 271 | 45 | 1.5% | 6.25% | #142 |
| 2025 | 205 | 67 | 9.3% | 5.50% | #174 |
What SayGO Home Loans lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most SayGO Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 139 | 44 | 13 | 9.4% |
| Pinal County | 22 | 9 | 4 | 18.2% |
| Pima County | 11 | 3 | 0 | 0.0% |
| Yavapai County | 10 | 4 | 1 | 10.0% |
| Mohave County | 7 | 4 | 0 | 0.0% |
| Yuma County | 4 | 1 | 1 | 25.0% |
| Coconino County | 4 | 0 | 0 | 0.0% |
| Navajo County | 3 | 0 | 0 | 0.0% |
| Cochise County | 3 | 2 | 0 | 0.0% |
| Santa Cruz County | 2 | 0 | 0 | 0.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 205 applications in 2025, of which 67 were originated and 19 denied.
9.3% of all applications, or 21.8% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans SayGO Home Loans originated in Arizona in 2025 was 5.50%, against a statewide median of 6.50%.
About this data. Figures are SayGO Home Loans's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology