# SAYGO HOME LOANS, LLC

> **Canonical URL:** https://saferate.com/lenders/saygo-home-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


SAYGO HOME LOANS, LLC is a independent mortgage company, headquartered in Scottsdale, AZ, serving borrowers across 21 states, with 345 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 82% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 93% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 9845006YE04B346EC919
- **Headquarters:** Scottsdale, AZ
- **Geographic Reach:** Multi-Region
- **States Served:** 21
- **State List:** AK, AL, AZ, CA, CO, CT, FL, GA, IL, IN, MD, MI, NC, NJ, OH, OR, PA, SC, TN, TX, WA
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 18/100
- Rating: ●○○○○ (1/5)

### Pull Through: Mediocre 😐
- Score: 7/100
- Rating: ●○○○○ (1/5)

### Pricing Details
- **Average Rate Spread:** +0.101%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,494
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 345
- **Dollar Volume:** $115 million
- **Applications Received:** 2,780
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $334,188
- **Average Borrower Income:** $98,786
- **Average Property Value:** $473,464

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 32/100 | 156 | +0.234% | $5,347 | Acceptable 🙂 |
| FHA | 59/100 | 74 | +0.403% | $1,351 | Sound ☺️ |
| VA | 69/100 | 114 | -0.546% | $5,036 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Refinance: 152 loans, Score: 55/100 (Sound)

**FHA:**
- Refinance: 73 loans, Score: 75/100 (Strong)

**VA:**
- Refinance: 113 loans, Score: 82/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Refinance | 59/100 | 339 | $113M | +0.077% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 57 | 0.02% | 54/100 |
| AZ | 44 | 0.04% | 56/100 |
| GA | 34 | 0.02% | 52/100 |
| NC | 34 | 0.02% | 51/100 |
| CO | 30 | 0.04% | 52/100 |
| OR | 22 | 0.05% | 50/100 |
| SC | 16 | 0.02% | 45/100 |
| IN | 15 | 0.02% | 43/100 |
| PA | 15 | 0.01% | 43/100 |
| TN | 11 | 0.01% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 28 | 35/100 |
| Phoenix | AZ | 27 | 52/100 |
| Denver | CO | 18 | 48/100 |
| Charlotte | NC-SC | 14 | 45/100 |
| Atlanta | GA | 13 | 43/100 |

## Frequently Asked Questions

### What loan types does SAYGO HOME LOANS, LLC offer?

SAYGO HOME LOANS, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SAYGO HOME LOANS, LLC offer mortgages?

SAYGO HOME LOANS, LLC offers mortgages in 21 states: AK, AL, AZ, CA, CO, CT, FL, GA, IL, IN, MD, MI, NC, NJ, OH, OR, PA, SC, TN, TX, WA.

### How competitive are SAYGO HOME LOANS, LLC's mortgage rates?

SAYGO HOME LOANS, LLC has a pricing score of 18/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.101% above market average.

### What type of lender is SAYGO HOME LOANS, LLC?

SAYGO HOME LOANS, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Scottsdale, AZ.

### What is SAYGO HOME LOANS, LLC's loan approval success rate?

SAYGO HOME LOANS, LLC has a pull-through score of 7/100 (Mediocre). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/saygo-home-loans

### How to Cite

> "SAYGO HOME LOANS, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/saygo-home-loans

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