SayGO Home Loans in Michigan vs the state
11.8%Denial rate-6.76 pts vs state
33.3%Decision denial rate+10.75 pts vs state
21.6%Origination rate-38.32 pts vs state
5.25%Median rate-1.50 pts vs state
-0.13Rate spread (pts)-0.53 pts vs state
$72kMedian applicant income
11Loans originated
6Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 87 | 9 | 3.5% | 6.13% | #283 |
| 2025 | 51 | 11 | 11.8% | 5.25% | #347 |
What SayGO Home Loans lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most SayGO Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kent County | 8 | 1 | 1 | 12.5% |
| Oakland County | 5 | 1 | 0 | 0.0% |
| Macomb County | 4 | 1 | 2 | 50.0% |
| Wayne County | 4 | 1 | 2 | 50.0% |
| Van Buren County | 3 | 1 | 0 | 0.0% |
| Monroe County | 2 | 0 | 0 | 0.0% |
| Barry County | 2 | 1 | 0 | 0.0% |
| Washtenaw County | 2 | 0 | 0 | 0.0% |
| Genesee County | 2 | 1 | 1 | 50.0% |
| Kalamazoo County | 2 | 0 | 0 | 0.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 51 applications in 2025, of which 11 were originated and 6 denied.
11.8% of all applications, or 33.3% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans SayGO Home Loans originated in Michigan in 2025 was 5.25%, against a statewide median of 6.75%.
About this data. Figures are SayGO Home Loans's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology