SayGO Home Loans, LLC
SayGO Home Loans, LLC received 2,469 applications in 2025 and made 676 mortgages, in 594 counties across 25 states. The median rate its borrowers got was 5.500% on a median loan of $335,000. Of 906 decisions, 216 were denials — 23.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 9845006YE04B346EC919 |
|---|---|
| Applications received | 2,469 |
| Mortgages made | 676 |
| Denied | 216 |
| Approved, not taken up | 14 |
| Withdrawn or incomplete | 1,563 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.013 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 10 | 6.370% | $525,000 | 0.0% |
| Refinancing | 234 | 5.625% | $345,000 | 23.6% |
| Cash-out refinancing | 432 | 5.500% | $320,000 | 24.4% |
| Other purposes | 0 | Under 10 loans | Under 10 loans | Not published |
Where SayGO Home Loans, LLC lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Maricopa County, AZ | 44 | 5.500% | 22.4% |
| Riverside County, CA | 13 | 5.875% | 17.7% |
| Los Angeles County, CA | 12 | 5.990% | 29.4% |
| Pinal County, AZ | 9 | Under 10 loans | 30.8% |
| Hillsborough County, FL | 9 | Under 10 loans | 18.2% |
| El Paso County, CO | 7 | Under 10 loans | 12.5% |
| DeKalb County, GA | 7 | Under 10 loans | 36.4% |
| Fulton County, GA | 7 | Under 10 loans | 22.2% |
| Mecklenburg County, NC | 7 | Under 10 loans | 12.5% |
| Greenville County, SC | 7 | Under 10 loans | 12.5% |
| South Central Connecticut Planning Region, CT | 6 | Under 10 loans | 14.3% |
| Marion County, FL | 6 | Under 10 loans | 25.0% |
| Union County, NC | 6 | Under 10 loans | 14.3% |
| Jefferson County, CO | 5 | Under 10 loans | 0.0% |
| Polk County, FL | 5 | Under 10 loans | 0.0% |
| Marion County, IN | 5 | Under 10 loans | 0.0% |
| Middlesex County, NJ | 5 | Under 10 loans | 16.7% |
| Hamilton County, TN | 5 | Under 10 loans | 0.0% |
| Mohave County, AZ | 4 | Under 10 loans | 0.0% |
| Yavapai County, AZ | 4 | Under 10 loans | 20.0% |
| Sacramento County, CA | 4 | Under 10 loans | 50.0% |
| Arapahoe County, CO | 4 | Under 10 loans | 20.0% |
| Flagler County, FL | 4 | Under 10 loans | 33.3% |
| Hernando County, FL | 4 | Under 10 loans | 33.3% |
| Pasco County, FL | 4 | Under 10 loans | 33.3% |
| Volusia County, FL | 4 | Under 10 loans | 50.0% |
| Gwinnett County, GA | 4 | Under 10 loans | 0.0% |
| DuPage County, IL | 4 | Under 10 loans | 20.0% |
| Will County, IL | 4 | Under 10 loans | 42.9% |
| Hancock County, IN | 4 | Under 10 loans | 20.0% |
| Lake County, IN | 4 | Under 10 loans | 20.0% |
| Anne Arundel County, MD | 4 | Under 10 loans | 0.0% |
| Prince George's County, MD | 4 | Under 10 loans | 20.0% |
| Brunswick County, NC | 4 | Under 10 loans | 0.0% |
| Rowan County, NC | 4 | Under 10 loans | 0.0% |
| Jackson County, OR | 4 | Under 10 loans | 0.0% |
| Multnomah County, OR | 4 | Under 10 loans | 20.0% |
| Allegheny County, PA | 4 | Under 10 loans | 0.0% |
| Davidson County, TN | 4 | Under 10 loans | 20.0% |
| Sevier County, TN | 4 | Under 10 loans | 0.0% |
| Chesapeake city, VA | 4 | Under 10 loans | 0.0% |
| Pima County, AZ | 3 | Under 10 loans | 0.0% |
| Alameda County, CA | 3 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 3 | Under 10 loans | 0.0% |
| San Diego County, CA | 3 | Under 10 loans | 40.0% |
| San Joaquin County, CA | 3 | Under 10 loans | 25.0% |
| Santa Clara County, CA | 3 | Under 10 loans | 0.0% |
| Denver County, CO | 3 | Under 10 loans | 0.0% |
| Duval County, FL | 3 | Under 10 loans | 40.0% |
| Miami-Dade County, FL | 3 | Under 10 loans | 20.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.