SayGO Home Loans in Pennsylvania vs the state
5.1%Denial rate-13.24 pts vs state
18.5%Decision denial rate-3.69 pts vs state
22.2%Origination rate-38.74 pts vs state
5.44%Median rate-1.19 pts vs state
0.13Rate spread (pts)-0.11 pts vs state
$96kMedian applicant income
22Loans originated
5Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 136 | 16 | 0.7% | 5.99% | #326 |
| 2025 | 99 | 22 | 5.1% | 5.44% | #376 |
What SayGO Home Loans lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most SayGO Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 12 | 0 | 1 | 8.3% |
| Delaware County | 10 | 2 | 1 | 10.0% |
| Philadelphia County | 7 | 3 | 1 | 14.3% |
| Berks County | 7 | 1 | 0 | 0.0% |
| Monroe County | 7 | 1 | 1 | 14.3% |
| Allegheny County | 7 | 4 | 0 | 0.0% |
| Lancaster County | 5 | 3 | 0 | 0.0% |
| Westmoreland County | 4 | 2 | 0 | 0.0% |
| Bucks County | 4 | 1 | 0 | 0.0% |
| Northampton County | 4 | 0 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 99 applications in 2025, of which 22 were originated and 5 denied.
5.1% of all applications, or 18.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans SayGO Home Loans originated in Pennsylvania in 2025 was 5.44%, against a statewide median of 6.63%.
About this data. Figures are SayGO Home Loans's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology