SayGO Home Loans in Virginia vs the state
7.5%Denial rate-8.46 pts vs state
19.5%Decision denial rate-0.74 pts vs state
30.8%Origination rate-28.68 pts vs state
5.25%Median rate-1.38 pts vs state
-0.06Rate spread (pts)-0.28 pts vs state
$108kMedian applicant income
33Loans originated
8Denied
What SayGO Home Loans lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most SayGO Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince William County | 8 | 2 | 0 | 0.0% |
| Chesterfield County | 8 | 3 | 1 | 12.5% |
| Henrico County | 7 | 3 | 1 | 14.3% |
| Fairfax County | 6 | 2 | 1 | 16.7% |
| Chesapeake city | 6 | 4 | 0 | 0.0% |
| Virginia Beach city | 5 | 2 | 1 | 20.0% |
| Richmond city | 5 | 1 | 0 | 0.0% |
| Spotsylvania County | 4 | 1 | 0 | 0.0% |
| Albemarle County | 4 | 1 | 1 | 25.0% |
| Portsmouth city | 4 | 1 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 107 applications in 2025, of which 33 were originated and 8 denied.
7.5% of all applications, or 19.5% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans SayGO Home Loans originated in Virginia in 2025 was 5.25%, against a statewide median of 6.63%.
About this data. Figures are SayGO Home Loans's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology