Sun American Mortgage Company
We analyzed every closed loan from Sun American Mortgage Company — 654 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 8 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
VA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
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Report Card
Sun American Mortgage Company performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+26.1 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
448 loans · 0.26% above market
Strong
Top 40% of lenders
4/5
FHA
130 loans · 0.48% above market
Strong
Top 40% of lenders
4/5
VA
48 loans · 0.18% below market
Strong
Top 40% of lenders
4/5
USDA
19 loans · 0.16% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
590 loans · 0.27% above market
Strong
Top 40% of lenders
4/5
Refinance
64 loans · 0.22% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 448 | 68.5% | +0.260%Above | $2,462Fees | ||||
FHA Loans | 130 | 19.9% | +0.479%Above | $3,432Fees | ||||
VA Loans | 48 | 7.3% | -0.185%Below | $2,154Fees | ||||
USDA Loans | — | 19 | 2.9% | +0.164%Above | $1,930Fees |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume448
Mix68.5%
Spread
+0.260%Above
Fees
$2,462Fees
FHA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume130
Mix19.9%
Spread
+0.479%Above
Fees
$3,432Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume48
Mix7.3%
Spread
-0.185%Below
Fees
$2,154Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume19
Mix2.9%
Spread
+0.164%Above
Fees
$1,930Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 590 | 90.2% | +0.269%Above | $2,396Fees | ||||
Refinance | 64 | 9.8% | +0.220%Above | $3,404Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume590
Mix90.2%
Spread
+0.269%Above
Fees
$2,396Fees
Refinance
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume64
Mix9.8%
Spread
+0.220%Above
Fees
$3,404Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
654
Applications
1,008
Volume
$239 million
Pricing & Closing
Avg Rate Spread
+0.261%
vs. market APOR
Avg Net Fees
$2,560
Origination − Credits
Pullthrough Rate
64.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$366,407
Avg Borrower Income
$144,416
Avg Property Value
$493,303
Geographic Coverage
Geographic Performance
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.