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Saygo Home Loans

Independent Mortgage Company•Scottsdale, AZHQ•Direct•Reviews near you on Google

Saygo Home Loans has 345 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Mediocre
1/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 4 mkts

Safe Rate Summary

Things to Think About

  • Pricing may be below industry average
  • Higher than average fees ($4,494)
  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Saygo Home Loans performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+10.1 bps above market avg
Pull Through
Closing strength
Mediocre
Bottom 20% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
FHA
Sound
Top 60% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Mediocre
Product
Acceptable
Pricing
Mediocre
Pull Through
Mediocre
Volume156
Mix45.2%
Spread
+0.234%Above
Fees
$5,347Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through
Acceptable
Volume74
Mix21.4%
Spread
+0.403%Above
Fees
$1,351Fees
VA Loans
Overall
Sound
Product
Strong
Pricing—
Pull Through
Acceptable
Volume114
Mix33.0%
Spread
-0.546%Below
Fees
$5,036Fees

Loan Purpose Performance

Performance by Loan Purpose

Refinance
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Mediocre
Volume339
Mix98.3%
Spread
+0.077%Above
Fees
$4,432Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
345
Applications
2,780
Volume
$115 million
Pricing & Closing
Avg Rate Spread
+0.101%
vs. market APOR
Avg Net Fees
$4,494
Origination − Credits
Pullthrough Rate
12.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$334,188
Avg Borrower Income
$98,786
Avg Property Value
$473,464

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
21
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

21
21 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast3
CTNJPA
Midwest4
ILINMIOH
South8
ALFLGAMDNCSCTNTX
West6
AKAZCACOORWA

Top Metro Areas by Place Specialization Score

1© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 27Mix 7.83% of portfolio
52/100
Sound
2© Quintin Soloviev · CC BY 4.0
Denver, COMetro
Volume 18Mix 5.22% of portfolio
48/100
Sound
3© chucka_nc · CC BY-SA 2.0
Charlotte, NC-SCMetro
Volume 14Mix 4.06% of portfolio
45/100
Sound
4© Warren LeMay from Cincinnati, OH, United States · CC0
Atlanta, GAMetro
Volume 13Mix 3.77% of portfolio
43/100
Sound

Top States by Place Specialization Score

Arizona
Arizona
1
ArizonaState
Volume 44Mix 12.75% of portfolio
56/100
Sound
Florida
Florida
2
FloridaState
Volume 57Mix 16.52% of portfolio
54/100
Sound
Georgia
Georgia
3
GeorgiaState
Volume 34Mix 9.86% of portfolio
52/100
Sound
Colorado
Colorado
4
ColoradoState
Volume 30Mix 8.70% of portfolio
52/100
Sound
North Carolina
North Carolina
5
North CarolinaState
Volume 34Mix 9.86% of portfolio
51/100
Sound
Oregon
Oregon
6
OregonState
Volume 22Mix 6.38% of portfolio
50/100
Sound
South Carolina
South Carolina
7
South CarolinaState
Volume 16Mix 4.64% of portfolio
45/100
Sound
Indiana
Indiana
8
IndianaState
Volume 15Mix 4.35% of portfolio
43/100
Sound
Pennsylvania
Pennsylvania
9
PennsylvaniaState
Volume 15Mix 4.35% of portfolio
43/100
Sound
Tennessee
Tennessee
10
TennesseeState
Volume 11Mix 3.19% of portfolio
40/100
Acceptable
Showing 10 of 12 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.