Saygo Home Loans
Saygo Home Loans has 345 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
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
Promptness
Not enough data
—/5
No quote responses measured yet
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
1/5
Pull Through
Closing strength
Mediocre
Bottom 20% of lenders
1/5
By Loan Product· Specialization by type
Conventional
156 loans · 0.23% above market
Acceptable
Bottom 40% of lenders
2/5
FHA
74 loans · 0.40% above market
Sound
Top 60% of lenders
3/5
VA
114 loans · 0.55% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Refinance
339 loans · 0.08% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 156 | 45.2% | +0.234%Above | $5,347Fees | ||||
FHA Loans | — | 74 | 21.4% | +0.403%Above | $1,351Fees | |||
VA Loans | — | 114 | 33.0% | -0.546%Below | $5,036Fees |
Conventional
OverallMediocre
ProductAcceptable
PricingMediocre
Pull ThroughMediocre
Volume156
Mix45.2%
Spread
+0.234%Above
Fees
$5,347Fees
FHA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughAcceptable
Volume74
Mix21.4%
Spread
+0.403%Above
Fees
$1,351Fees
VA Loans
OverallSound
ProductStrong
Pricing—
Pull ThroughAcceptable
Volume114
Mix33.0%
Spread
-0.546%Below
Fees
$5,036Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Refinance | 339 | 98.3% | +0.077%Above | $4,432Fees |
Refinance
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughMediocre
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
21Full-year 2024 · HMDALoans originated
< 1010–2020–5050+None
Northeast3
CTNJPA
Midwest4
ILINMIOH
South8
ALFLGAMDNCSCTNTX
West6
AKAZCACOORWA
Top States by Place Specialization Score
Showing 10 of 12 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.