SayGO Home Loans in Oregon vs the state
13.4%Denial rate-1.91 pts vs state
30.2%Decision denial rate+11.07 pts vs state
29.9%Origination rate-30.72 pts vs state
5.75%Median rate-1.00 pts vs state
0.16Rate spread (pts)-0.12 pts vs state
$85kMedian applicant income
29Loans originated
13Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 115 | 23 | 0.9% | 6.25% | #149 |
| 2025 | 97 | 29 | 13.4% | 5.75% | #170 |
What SayGO Home Loans lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most SayGO Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 14 | 3 | 0 | 0.0% |
| Jackson County | 10 | 4 | 0 | 0.0% |
| Multnomah County | 9 | 4 | 1 | 11.1% |
| Marion County | 9 | 2 | 0 | 0.0% |
| Deschutes County | 6 | 0 | 1 | 16.7% |
| Josephine County | 5 | 1 | 0 | 0.0% |
| Clackamas County | 5 | 1 | 1 | 20.0% |
| Lane County | 5 | 1 | 1 | 20.0% |
| Polk County | 5 | 2 | 2 | 40.0% |
| Linn County | 4 | 1 | 0 | 0.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 97 applications in 2025, of which 29 were originated and 13 denied.
13.4% of all applications, or 30.2% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans SayGO Home Loans originated in Oregon in 2025 was 5.75%, against a statewide median of 6.75%.
About this data. Figures are SayGO Home Loans's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology