SayGO Home Loans in Georgia vs the state
8.4%Denial rate-10.81 pts vs state
26.4%Decision denial rate+1.32 pts vs state
23.5%Origination rate-30.64 pts vs state
5.25%Median rate-1.38 pts vs state
-0.07Rate spread (pts)-0.33 pts vs state
$84kMedian applicant income
53Loans originated
19Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 314 | 34 | 1.6% | 5.99% | #188 |
| 2025 | 226 | 53 | 8.4% | 5.25% | #233 |
What SayGO Home Loans lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most SayGO Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeKalb County | 23 | 7 | 4 | 17.4% |
| Fulton County | 19 | 7 | 2 | 10.5% |
| Cobb County | 19 | 1 | 1 | 5.3% |
| Gwinnett County | 17 | 4 | 0 | 0.0% |
| Forsyth County | 11 | 1 | 0 | 0.0% |
| Paulding County | 11 | 2 | 1 | 9.1% |
| Cherokee County | 7 | 2 | 0 | 0.0% |
| Coweta County | 6 | 1 | 2 | 33.3% |
| Chatham County | 6 | 2 | 0 | 0.0% |
| Rockdale County | 6 | 1 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 226 applications in 2025, of which 53 were originated and 19 denied.
8.4% of all applications, or 26.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans SayGO Home Loans originated in Georgia in 2025 was 5.25%, against a statewide median of 6.63%.
About this data. Figures are SayGO Home Loans's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology