SayGO Home Loans in New Jersey vs the state
12.2%Denial rate-5.45 pts vs state
30.0%Decision denial rate+6.95 pts vs state
26.5%Origination rate-29.15 pts vs state
5.88%Median rate-0.88 pts vs state
0.10Rate spread (pts)-0.18 pts vs state
$117kMedian applicant income
13Loans originated
6Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 116 | 8 | 1.7% | 5.99% | #241 |
| 2025 | 49 | 13 | 12.2% | 5.88% | #358 |
What SayGO Home Loans lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most SayGO Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 8 | 5 | 1 | 12.5% |
| Bergen County | 6 | 1 | 2 | 33.3% |
| Essex County | 5 | 1 | 0 | 0.0% |
| Burlington County | 5 | 1 | 2 | 40.0% |
| Camden County | 4 | 2 | 1 | 25.0% |
| Ocean County | 4 | 0 | 0 | 0.0% |
| Somerset County | 4 | 1 | 0 | 0.0% |
| Monmouth County | 4 | 2 | 0 | 0.0% |
| Atlantic County | 2 | 0 | 0 | 0.0% |
| Sussex County | 1 | 0 | 0 | 0.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 49 applications in 2025, of which 13 were originated and 6 denied.
12.2% of all applications, or 30.0% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans SayGO Home Loans originated in New Jersey in 2025 was 5.88%, against a statewide median of 6.75%.
About this data. Figures are SayGO Home Loans's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology