SayGO Home Loans in Florida vs the state
9.9%Denial rate-11.19 pts vs state
26.1%Decision denial rate-1.19 pts vs state
26.4%Origination rate-26.26 pts vs state
5.88%Median rate-0.75 pts vs state
-0.05Rate spread (pts)-0.32 pts vs state
$93kMedian applicant income
83Loans originated
31Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 589 | 59 | 2.4% | 6.13% | #217 |
| 2025 | 314 | 83 | 9.9% | 5.88% | #297 |
What SayGO Home Loans lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most SayGO Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 32 | 9 | 2 | 6.3% |
| Palm Beach County | 22 | 3 | 1 | 4.5% |
| Broward County | 20 | 2 | 3 | 15.0% |
| Miami-Dade County | 15 | 3 | 1 | 6.7% |
| Pasco County | 14 | 4 | 2 | 14.3% |
| Orange County | 13 | 3 | 0 | 0.0% |
| Pinellas County | 13 | 3 | 1 | 7.7% |
| Polk County | 12 | 5 | 0 | 0.0% |
| Manatee County | 12 | 2 | 0 | 0.0% |
| Volusia County | 12 | 4 | 4 | 33.3% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 314 applications in 2025, of which 83 were originated and 31 denied.
9.9% of all applications, or 26.1% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans SayGO Home Loans originated in Florida 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 Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology