Sun West Mortgage Company
We analyzed every closed loan from Sun West Mortgage Company — 4.9k loans across 10k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Sun West Mortgage Company performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+24.7 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,100 loans · 0.45% above market
Strong
Top 40% of lenders
4/5
FHA
2,982 loans · 0.51% above market
Exceptional
Top 20% of lenders
5/5
VA
779 loans · 0.51% below market
Exceptional
Top 20% of lenders
5/5
USDA
76 loans · 0.36% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
2,912 loans · 0.51% above market
Exceptional
Top 20% of lenders
5/5
Refinance
2,030 loans · 0.13% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,100 | 22.3% | +0.451%Above | $2,866Fees | ||||
FHA Loans | 2,982 | 60.3% | +0.508%Above | $4,062Fees | ||||
VA Loans | 779 | 15.8% | -0.510%Below | $3,599Fees | ||||
USDA Loans | 76 | 1.5% | +0.363%Above | $2,833Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume1,100
Mix22.3%
Spread
+0.451%Above
Fees
$2,866Fees
FHA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume2,982
Mix60.3%
Spread
+0.508%Above
Fees
$4,062Fees
VA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume779
Mix15.8%
Spread
-0.510%Below
Fees
$3,599Fees
USDA Loans
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume76
Mix1.5%
Spread
+0.363%Above
Fees
$2,833Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,912 | 58.9% | +0.509%Above | $3,473Fees | ||||
Refinance | 2,030 | 41.1% | -0.125%Below | $3,896Fees |
Purchase
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume2,912
Mix58.9%
Spread
+0.509%Above
Fees
$3,473Fees
Refinance
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume2,030
Mix41.1%
Spread
-0.125%Below
Fees
$3,896Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
4,942
Applications
9,675
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.247%
vs. market APOR
Avg Net Fees
$3,647
Origination − Credits
Pullthrough Rate
51.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$342,900
Avg Borrower Income
$115,444
Avg Property Value
$422,218
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
51
Includes Washington, DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
51Full-year 2024 · HMDANationwide · all 50 states and DCLoans originated
< 2020–5050–100100+None
Northeast9
CTMEMANHNJNYPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
6© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 103Mix 2.08% of portfolio
66/100
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 39 states
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.