SayGO Home Loans in Illinois vs the state
13.0%Denial rate-4.12 pts vs state
40.6%Decision denial rate+18.95 pts vs state
19.0%Origination rate-39.74 pts vs state
5.75%Median rate-1.00 pts vs state
0.18Rate spread (pts)-0.20 pts vs state
$107kMedian applicant income
19Loans originated
13Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 132 | 11 | 3.8% | 5.99% | #291 |
| 2025 | 100 | 19 | 13.0% | 5.75% | #347 |
What SayGO Home Loans lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most SayGO Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 31 | 3 | 4 | 12.9% |
| Will County | 16 | 4 | 3 | 18.8% |
| DuPage County | 12 | 4 | 1 | 8.3% |
| Kane County | 9 | 2 | 0 | 0.0% |
| Lake County | 7 | 3 | 0 | 0.0% |
| Kankakee County | 4 | 1 | 3 | 75.0% |
| McHenry County | 3 | 0 | 1 | 33.3% |
| Madison County | 3 | 1 | 0 | 0.0% |
| DeKalb County | 3 | 1 | 0 | 0.0% |
| McLean County | 2 | 0 | 0 | 0.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 100 applications in 2025, of which 19 were originated and 13 denied.
13.0% of all applications, or 40.6% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans SayGO Home Loans originated in Illinois in 2025 was 5.75%, against a statewide median of 6.75%.
About this data. Figures are SayGO Home Loans's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology