Luke Harrell

SayGo Home Loans, LLC

NMLS ID 2813365 (opens in a new tab) · verify at NMLS Consumer Access

Luke Harrell (NMLS 2813365) is a mortgage loan officer at SayGo Home Loans, LLC, licensed in Florida since 2026 and in Oregon and California. Luke works at an FHA-approved lender, per HUD.

Last verified . Sources: SayGo Home Loans, LLC (dfpi.ca.gov), Florida state regulator, Oregon state regulator, California state regulator and NMLS Consumer Access (license status, check live).

Quick answers

Is Luke licensed in Florida?
Yes. Florida regulator records list license LO146453 as active, first effective April 2, 2026 (verified 2026-10-15). LenDb has 2 other states on file for Luke.
Source: Florida state regulator (opens in a new tab)
What lender does Luke work for, and is it FHA-approved?
SayGo Home Loans, LLC, company NMLS 2525432, per the lender's own site (verified 2026-10-23). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026).
Source: lender site; HUD (opens in a new tab)
How long has Luke been licensed?
The earliest state license record LenDb holds for Luke is from April 2, 2026 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
Source: Florida state regulator (opens in a new tab)

Specialties

Focus

No focus listed on their lender page yet.

    Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.

    Licensed states

    AKMEVTNHWAIDMTNDMNILWIMINYMARIORNVWYSDIAINOHPANJCTCAUTCONEMOKYWVVAMDDEAZNMKSARTNNCSCDCOKLAMSALGAHITXFL

    Florida, Oregon, California

    ✓ Confirmed with the state regulator: FL (opens in a new tab) (LO146453, first effective 2026-04-02), OR (opens in a new tab), CA DFPI (opens in a new tab) (CA-DFPI2813365, first effective 2026-05-08), verified 2026-10-15.

    Contact

    No public business contact on file.

    We never see who you contact.

    Employment history

    1. SayGo Home Loans, LLC NMLS 2525432

      Current · seen on lender site 2026-10-23

    2. INDEPENDENCE HOME LOANS LLC NMLS 2524174

      Current · seen on lender site 2026-10-20

    Disciplinary history

    Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).

    Sources

    Name and employerstate regulator · dfpi.ca.gov (opens in a new tab)verified 2026-10-23
    Licenses (regulator)state regulator · dfpi.ca.gov (opens in a new tab)verified 2026-10-24
    License statusNMLS Consumer Access (opens in a new tab)check live

    Also available as Markdown, JSON, or via the API.

    Cite as: Luke Harrell (NMLS 2813365), SayGo Home Loans, LLC. LenDb.ai, https://lendb.ai/lo/luke-harrell-2813365, last verified 2026-10-24.

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