Lenders › Saygo Home Loans, LLC › Florida
Saygo Home Loans, LLC in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Florida, Saygo Home Loans, LLC reported 589 applications and 59 originations for 2024, $19m in all.
Its denial rate in the state was 16.7%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 12.8%.
The median rate spread on its Florida originations was 0.1 percentage points (state median 0.3).
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Saygo Home Loans, LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 16.7% | 29.0% | 12.8% | 24.3% |
| Median rate spread, pp | 0.1 | 0.3 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.7% | 16.4% | 0.8% | 15.6% |
| Average originated loan | $326k | $359k | $335k | $329k |
| Home purchase share | 1.7% | 62.9% | 1.6% | 57.0% |
| FHA-insured share | 16.9% | 17.7% | 22.0% | 13.4% |
| VA-guaranteed share | 42.4% | 9.5% | 34.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 2% (1)Refinancing 25% (15)Cash-out refinancing 73% (43)
By type
Conventional 41% (24)FHA 17% (10)VA 42% (25)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 46 | 7 | $1.8m | — |
| Orange County | 32 | 5 | $1.7m | — |
| Palm Beach County | 45 | 4 | $1.3m | — |
| Pinellas County | 40 | 4 | $1.0m | — |
| Miami-Dade County | 39 | 4 | $1.4m | — |
| Broward County | 42 | 3 | $1.3m | — |
| Pasco County | 25 | 0 | $0 | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Saygo Home Loans, LLC originate in Florida in 2024?
59 loans totalling $19m, from 589 applications reported for properties in Florida.
What is Saygo Home Loans, LLC's denial rate in Florida?
16.7% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 12.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does Saygo Home Loans, LLC lend in most?
By originations: Hillsborough County (7), Orange County (5), Palm Beach County (4), Pinellas County (4), Miami-Dade County (4).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.