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SAYGO HOME LOANS, LLC
Independent Mortgage Company|Scottsdale, AZ|Multi-Region
Loans Originated
345
Applications
2,780
Volume
$115 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Mediocre
Pricing and Pullthrough Overview
Average Rate Spread
+0.101%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,494
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
12.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,494)
- Pull through efficiency is below industry average
Report Card
SAYGO HOME LOANS, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Mediocre | Below peers | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Acceptable | Near industry average | |
FHA | Sound | Industry Standard | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 5 metro areas · 21 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$334,188
Average Borrower Income
$98,786
Average Property Value
$473,464
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Mediocre | Acceptable | Mediocre | Mediocre | 156 | 45.2% | +0.234% | $5,347 |
FHA Loans | Acceptable | Sound | N/A | Acceptable | 74 | 21.4% | +0.403% | $1,351 |
VA Loans | Sound | Strong | N/A | Acceptable | 114 | 33.0% | -0.546% | $5,036 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Refinance | Mediocre | Sound | Mediocre | Mediocre | 339 | 98.3% | +0.077% | $4,432 |
Geographic Coverage
Metro Areas
4
States Served
21
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALAZCACOCTFLGAILINMDMINCNJOHORPASCTNTXWA
Top Metro Areas by Place Specialization Score
1
Phoenix, AZMSA
Volume: 27Mix: 7.83%
Place Specialization
Sound
2
Denver, COMSA
Volume: 18Mix: 5.22%
Place Specialization
Sound
3
Charlotte, NC-SCMSA
Volume: 14Mix: 4.06%
Place Specialization
Sound
4
Atlanta, GAMSA
Volume: 13Mix: 3.77%
Place Specialization
Sound
Top States by Place Specialization Score
1
AZState
Volume: 44Mix: 12.75%
Place Specialization
Sound
2
FLState
Volume: 57Mix: 16.52%
Place Specialization
Sound
3
GAState
Volume: 34Mix: 9.86%
Place Specialization
Sound
4
COState
Volume: 30Mix: 8.70%
Place Specialization
Sound
5
NCState
Volume: 34Mix: 9.86%
Place Specialization
Sound
6
ORState
Volume: 22Mix: 6.38%
Place Specialization
Sound
7
SCState
Volume: 16Mix: 4.64%
Place Specialization
Sound
8
INState
Volume: 15Mix: 4.35%
Place Specialization
Sound
9
PAState
Volume: 15Mix: 4.35%
Place Specialization
Sound
10
TNState
Volume: 11Mix: 3.19%
Place Specialization
Acceptable
Showing 10 of 12 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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