# AMERICAN SOUTHWEST

> **Canonical URL:** https://saferate.com/lenders/american-southwest


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


AMERICAN SOUTHWEST is a credit union, headquartered in Sierra Vista, AZ, serving borrowers across 2 states, with 26 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 66% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 66% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300HWQV4ZV6WMCK88
- **Headquarters:** Sierra Vista, AZ
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** AZ, MO
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.810%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,375
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 26
- **Dollar Volume:** $6 million
- **Applications Received:** 41
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $229,615
- **Average Borrower Income:** $111,692
- **Average Property Value:** $416,154

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 38/100 | 25 | +0.805% | $1,380 | Acceptable 🙂 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Refinance | 47/100 | 18 | $2M | +0.865% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AZ | 25 | 0.03% | 58/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Sierra Vista | AZ | 20 | 66/100 |

## Where This Lender Ranks

AMERICAN SOUTHWEST appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#16** in Sierra Vista
  - [View Full Rankings](https://saferate.com/sierra-vista/best-mortgage-lenders)
- 🏆 **#19** in Sierra Vista for Conventional Loans
  - [View Full Rankings](https://saferate.com/sierra-vista/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does AMERICAN SOUTHWEST offer?

AMERICAN SOUTHWEST offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does AMERICAN SOUTHWEST offer mortgages?

AMERICAN SOUTHWEST offers mortgages in 2 states: AZ, MO.

### How competitive are AMERICAN SOUTHWEST's mortgage rates?

AMERICAN SOUTHWEST has a pricing score of 34/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.810% above market average.

### What type of lender is AMERICAN SOUTHWEST?

AMERICAN SOUTHWEST is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Sierra Vista, AZ.

### What is AMERICAN SOUTHWEST's loan approval success rate?

AMERICAN SOUTHWEST has a pull-through score of 34/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/american-southwest

### How to Cite

> "AMERICAN SOUTHWEST Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/american-southwest

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**[View Interactive Profile →](https://saferate.com/lenders/american-southwest)**