SayGO Home Loans, LLC: what its borrowers actually paid (2025)
SayGO Home Loans, LLC reported 148 closed first-lien, owner-occupied home loans in 2025 under HMDA, across 17 counties in 10 states, and 59 in 2024. The table below shows its median rates and costs in the counties where it lent most, next to each county's all-lender median, so you can see at a glance where this lender's closed loans landed relative to the local market.
Refinance
148 loans
across 17 counties with at least 5 such loans, 2025.
Where SayGO Home Loans, LLC stands
Statewide, SayGO Home Loans, LLC ranks #172 of 343 lenders in Arizona by 2025 closed loans in this dataset, purchase and refinance combined. Below, its standing in the counties where it closed the most refinance loans in 2025. Loan-count ranks include every lender that reported at least 5 loans in the county; rate and cost ranks compare only lenders with at least 30 closed refinance loans there, so a one-off low median never outranks a lender with real volume.
| County | Loans | By closed loans | By lowest median rate | By lowest median costs |
|---|---|---|---|---|
| Maricopa County, AZ | 37 | #77 of 229 | #1 of 87 | #86 of 86 |
| Los Angeles County, CA | 11 | #177 of 258 | under 30-loan floor | under 30-loan floor |
| Riverside County, CA | 11 | #98 of 158 | under 30-loan floor | under 30-loan floor |
| Pinal County, AZ | 9 | #53 of 82 | under 30-loan floor | under 30-loan floor |
| Hillsborough County, FL | 9 | #72 of 109 | under 30-loan floor | under 30-loan floor |
| DeKalb County, GA | 7 | #59 of 83 | under 30-loan floor | under 30-loan floor |
| Fulton County, GA | 7 | #80 of 114 | under 30-loan floor | under 30-loan floor |
| Mecklenburg County, NC | 7 | #84 of 114 | under 30-loan floor | under 30-loan floor |
| Greenville County, SC | 7 | #61 of 85 | under 30-loan floor | under 30-loan floor |
| El Paso County, CO | 6 | #77 of 92 | under 30-loan floor | under 30-loan floor |
Ranks describe 2025 closed refinance loans reported under HMDA, not current pricing. "Of N" counts the lenders eligible for that ranking: every reporting lender for loan counts, lenders with 30 or more such loans for rate and cost ranks.
County by county
Each row is this lender's median among its own closed loans in that county, with the county's all-lender median beneath it for comparison. Origination is the lender's own charges (Loan Estimate section A); points is the discount-points portion. County pages link to the full local picture.
| County | Loans | Median rate | Total costs | Origination | Points | Loan amount |
|---|---|---|---|---|---|---|
| Maricopa County, AZ | 37 | 5.25%county 6.125% | $24,289county $6,625 | $17,100 | $15,670 | $375,000county $375,000 |
| Los Angeles County, CA | 11 | 5.99%county 6.25% | $20,130county $7,055 | $17,105 | $15,510 | $615,000county $645,000 |
| Riverside County, CA | 11 | 5.75%county 6.125% | $22,390county $8,466 | $16,749 | $15,046 | $385,000county $485,000 |
| Pinal County, AZ | 9 | 5.875%county 6.125% | $23,889county $7,369 | $18,475 | $13,558 | $395,000county $315,000 |
| Hillsborough County, FL | 9 | 5.25%county 6.125% | $24,279county $7,924 | $18,153 | $16,558 | $355,000county $325,000 |
| DeKalb County, GA | 7 | 5.75%county 6.125% | $16,259county $7,343 | $9,904 | $9,206 | $205,000county $275,000 |
| Fulton County, GA | 7 | 5.25%county 6.125% | $17,406county $7,224 | $14,363 | $13,063 | $315,000county $375,000 |
| Mecklenburg County, NC | 7 | 5.875%county 6.125% | $23,765county $6,310 | $19,866 | $13,736 | $395,000county $355,000 |
| Greenville County, SC | 7 | 5.25%county 6.125% | $17,780county $6,339 | $14,272 | $12,677 | $315,000county $275,000 |
| El Paso County, CO | 6 | 4.875%county 5.875% | $29,013county $6,047 | $22,150 | $21,408 | $470,000county $405,000 |
| Marion County, FL | 6 | 5.875%county 6.25% | $21,864county $6,705 | $12,958 | $9,937 | $240,000county $225,000 |
| Union County, NC | 6 | 5.25%county 6.125% | $20,043county $6,597 | $15,716 | $14,070 | $370,000county $375,000 |
| Jefferson County, CO | 5 | 5.25%county 6.125% | $25,976county $5,732 | $19,699 | $19,699 | $415,000county $485,000 |
| Polk County, FL | 5 | 5.25%county 6.125% | $23,377county $7,879 | $18,920 | $10,324 | $345,000county $255,000 |
| Marion County, IN | 5 | 5.5%county 6.25% | $16,662county $5,255 | $14,490 | $11,239 | $255,000county $195,000 |
| Middlesex County, NJ | 5 | 4.75%county 6.125% | $33,732county $6,842 | $22,328 | $20,374 | $465,000county $415,000 |
| Hamilton County, TN | 5 | 5%county 6.125% | $18,442county $6,720 | $11,480 | $9,938 | $265,000county $275,000 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages, in county groups of at least 5 loans. These are medians of loans that already closed, not advertised offers, and the public file contains no credit scores. A lender whose customers skew toward larger loans, stronger credit, or paying discount points will show different medians than its neighbors at identical pricing. The methodology page documents every step.
The way to compare actual offers is the Loan Estimate: every lender must give you one within 3 business days of application, on the same standardized form, and its origination charges are binding. If you have one in hand, the checker compares it against your county's figures in your browser.
Common questions
What mortgage rates did SayGO Home Loans, LLC borrowers get in 2025?
SayGO Home Loans, LLC reported 148 qualifying loans in 2025. The table on this page shows its median rates and costs county by county, next to each county's benchmark.
Can I get these rates from SayGO Home Loans, LLC today?
Not from this page. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. To learn your own number, apply and get a Loan Estimate, which federal rules require within 3 business days and make close to free.
Why might SayGO Home Loans, LLC's medians differ from the county median?
Partly pricing, partly customer mix. The public HMDA file contains no credit scores, so a lender serving stronger-credit borrowers, larger loans, or borrowers who paid points will show different medians than its neighbors at identical pricing.
Where does this data come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in county groups of at least 5.