Applications / Mortgage Analytics / Lenders / Arizona / Saygo Home Loans
Scottsdale, AZ · Non-bank lender · CFPB · 676 loans in 2025
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676
loans originated, 2025
2,469
applications, 2025
25
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Saygo Home Loans, a non-bank lender in Scottsdale, Arizona, that first reported in 2024, refinances mostly government-backed mortgages across 25 states, and it nearly doubled its lending in 2025.
Refinances made up 98.5% of its loans. A third, 33.9%, were VA loans (guaranteed by the Department of Veterans Affairs), the highest share among similar lenders, non-banks making between half and twice as many loans, whose typical share was 5.3%. Another 30.9% were FHA loans (insured by the Federal Housing Administration). Conventional loans were only 35.2% of the total, against 73.3% at similar lenders.
Its loans rose 86%, from 364 to 676, faster than almost all similar lenders, whose typical growth was 17%; the whole market grew 10%. It lends in 156 metros, with Florida its biggest state. In Phoenix, its largest market, it ranked 213 of 879 lenders, with a share that rose to 0.1%.
Its typical rate was 5.50%, against 6.62% at similar lenders, lower than about nine in ten of them. Only 0.4% of its loans were higher-priced (a rate well above the average for similar loans), against 2.5%.
Borrowers with low or moderate incomes took 39.3% of its loans, against 21.4% at similar lenders, more than at over eight in ten of them. That share barely moved from the year before, even as its lending nearly doubled.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Saygo Home Loans took 2,469 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 98.5% · Purchase 1.5%
Conventional 35.2% · VA 33.9% · FHA 30.9% · of 676 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 83 | 12.3% |
| Arizona | 67 | 9.9% |
| California | 62 | 9.2% |
| North Carolina | 55 | 8.1% |
| Georgia | 53 | 7.8% |
| Tennessee | 43 | 6.4% |
| Virginia | 33 | 4.9% |
| Indiana | 32 | 4.7% |
| Colorado | 31 | 4.6% |
| Oregon | 29 | 4.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Phoenix-Mesa-Chandler | 53 |
| Atlanta-Sandy Springs-Roswell | 29 |
| Charlotte-Concord-Gastonia | 25 |
| Tampa | 17 |
| Denver-Aurora-Centennial | 16 |
| Indianapolis-Carmel-Greenwood | 15 |
| Nashville-Davidson--Murfreesboro--Franklin | 14 |
| Riverside-San Bernardino-Ontario | 14 |
| Los Angeles-Long Beach-Glendale | 12 |
| Virginia Beach-Chesapeake-Norfolk | 12 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 9845006YE04B346EC919 | 2024–2025 |
Established 7 August 2023. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Saygo Home Loans's data.
Saygo Home Loans's data
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