SayGO Home Loans in North Carolina vs the state
9.3%Denial rate-8.79 pts vs state
25.0%Decision denial rate+2.18 pts vs state
26.8%Origination rate-30.98 pts vs state
5.50%Median rate-1.00 pts vs state
0.15Rate spread (pts)+0.06 pts vs state
$84kMedian applicant income
55Loans originated
19Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 291 | 37 | 2.4% | 6.49% | #180 |
| 2025 | 205 | 55 | 9.3% | 5.50% | #230 |
What SayGO Home Loans lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most SayGO Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 38 | 7 | 1 | 2.6% |
| Wake County | 21 | 1 | 2 | 9.5% |
| Catawba County | 8 | 2 | 1 | 12.5% |
| Brunswick County | 8 | 4 | 0 | 0.0% |
| Union County | 8 | 6 | 1 | 12.5% |
| Iredell County | 7 | 1 | 1 | 14.3% |
| Lincoln County | 6 | 1 | 2 | 33.3% |
| Guilford County | 6 | 1 | 0 | 0.0% |
| Stokes County | 6 | 0 | 1 | 16.7% |
| Durham County | 5 | 1 | 1 | 20.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 205 applications in 2025, of which 55 were originated and 19 denied.
9.3% of all applications, or 25.0% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans SayGO Home Loans originated in North Carolina in 2025 was 5.50%, against a statewide median of 6.50%.
About this data. Figures are SayGO Home Loans's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology