SayGO Home Loans in California vs the state
8.3%Denial rate-9.14 pts vs state
28.4%Decision denial rate+6.01 pts vs state
20.5%Origination rate-35.67 pts vs state
5.88%Median rate-0.75 pts vs state
0.03Rate spread (pts)-0.24 pts vs state
$120kMedian applicant income
62Loans originated
25Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 39 | 11 | 12.8% | 5.99% | #560 |
| 2025 | 302 | 62 | 8.3% | 5.88% | #315 |
What SayGO Home Loans lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most SayGO Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 44 | 12 | 5 | 11.4% |
| Riverside County | 41 | 13 | 3 | 7.3% |
| San Diego County | 24 | 3 | 2 | 8.3% |
| Sacramento County | 20 | 4 | 4 | 20.0% |
| Santa Clara County | 17 | 3 | 0 | 0.0% |
| Orange County | 17 | 1 | 1 | 5.9% |
| Alameda County | 14 | 3 | 0 | 0.0% |
| San Joaquin County | 14 | 3 | 1 | 7.1% |
| Contra Costa County | 12 | 3 | 0 | 0.0% |
| San Bernardino County | 12 | 1 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 302 applications in 2025, of which 62 were originated and 25 denied.
8.3% of all applications, or 28.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans SayGO Home Loans originated in California in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are SayGO Home Loans's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology