SayGO Home Loans in Tennessee vs the state
5.4%Denial rate-11.73 pts vs state
12.2%Decision denial rate-9.44 pts vs state
38.7%Origination rate-19.34 pts vs state
5.25%Median rate-1.37 pts vs state
-0.01Rate spread (pts)-0.24 pts vs state
$76kMedian applicant income
43Loans originated
6Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 109 | 11 | 3.7% | 6.25% | #291 |
| 2025 | 111 | 43 | 5.4% | 5.25% | #302 |
What SayGO Home Loans lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most SayGO Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 12 | 4 | 1 | 8.3% |
| Hamilton County | 9 | 5 | 0 | 0.0% |
| Knox County | 8 | 3 | 0 | 0.0% |
| Rutherford County | 7 | 1 | 0 | 0.0% |
| Wilson County | 6 | 3 | 1 | 16.7% |
| Montgomery County | 6 | 3 | 0 | 0.0% |
| Sullivan County | 5 | 0 | 0 | 0.0% |
| Maury County | 4 | 1 | 0 | 0.0% |
| Sevier County | 4 | 4 | 0 | 0.0% |
| Williamson County | 3 | 0 | 0 | 0.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 111 applications in 2025, of which 43 were originated and 6 denied.
5.4% of all applications, or 12.2% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans SayGO Home Loans originated in Tennessee in 2025 was 5.25%, against a statewide median of 6.62%.
About this data. Figures are SayGO Home Loans's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology