SayGO Home Loans in Ohio vs the state
9.4%Denial rate-8.28 pts vs state
22.9%Decision denial rate+0.97 pts vs state
31.8%Origination rate-28.14 pts vs state
5.38%Median rate-1.50 pts vs state
0.06Rate spread (pts)-0.33 pts vs state
$84kMedian applicant income
27Loans originated
8Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 64 | 9 | 1.6% | 6.25% | #371 |
| 2025 | 85 | 27 | 9.4% | 5.38% | #349 |
What SayGO Home Loans lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most SayGO Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 8 | 2 | 1 | 12.5% |
| Cuyahoga County | 7 | 1 | 2 | 28.6% |
| Clermont County | 6 | 2 | 0 | 0.0% |
| Lorain County | 4 | 3 | 0 | 0.0% |
| Lucas County | 3 | 2 | 0 | 0.0% |
| Stark County | 3 | 1 | 2 | 66.7% |
| Portage County | 3 | 0 | 0 | 0.0% |
| Erie County | 3 | 0 | 1 | 33.3% |
| Lake County | 3 | 2 | 0 | 0.0% |
| Butler County | 3 | 0 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 85 applications in 2025, of which 27 were originated and 8 denied.
9.4% of all applications, or 22.9% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans SayGO Home Loans originated in Ohio in 2025 was 5.38%, against a statewide median of 6.88%.
About this data. Figures are SayGO Home Loans's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology