SayGO Home Loans in Minnesota vs the state
6.3%Denial rate-7.35 pts vs state
15.0%Decision denial rate-1.35 pts vs state
35.4%Origination rate-30.95 pts vs state
5.38%Median rate-1.25 pts vs state
-0.09Rate spread (pts)-0.34 pts vs state
$91kMedian applicant income
17Loans originated
3Denied
What SayGO Home Loans lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most SayGO Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 8 | 3 | 1 | 12.5% |
| Anoka County | 8 | 1 | 0 | 0.0% |
| Ramsey County | 7 | 2 | 1 | 14.3% |
| Sherburne County | 4 | 1 | 0 | 0.0% |
| Dakota County | 3 | 1 | 0 | 0.0% |
| Carver County | 3 | 2 | 0 | 0.0% |
| St. Louis County | 3 | 1 | 0 | 0.0% |
| Kandiyohi County | 2 | 1 | 0 | 0.0% |
| Crow Wing County | 2 | 1 | 0 | 0.0% |
| Washington County | 2 | 0 | 1 | 50.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 48 applications in 2025, of which 17 were originated and 3 denied.
6.3% of all applications, or 15.0% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans SayGO Home Loans originated in Minnesota in 2025 was 5.38%, against a statewide median of 6.63%.
About this data. Figures are SayGO Home Loans's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology