# SUN AMERICAN MORTGAGE COMPANY

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


> **📋 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


SUN AMERICAN MORTGAGE COMPANY is a independent mortgage company, headquartered in MESA, AZ, serving borrowers across 6 states, with 654 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 57% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 33% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300S7EJRY2DY1UR88
- **Headquarters:** MESA, AZ
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** AZ, CA, CO, NM, NV, UT
- **Markets (MSAs):** 9
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.9%
- **Brokered/Wholesale:** 0.1%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.261%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,560
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 654
- **Dollar Volume:** $240 million
- **Applications Received:** 1,008
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $366,407
- **Average Borrower Income:** $144,416
- **Average Property Value:** $493,303

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **VA Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 70/100 | 448 | +0.260% | $2,462 | Strong 😀 |
| FHA | 73/100 | 130 | +0.479% | $3,432 | Strong 😀 |
| VA | 71/100 | 48 | -0.185% | $2,154 | Strong 😀 |
| USDA | 76/100 | 19 | +0.164% | $1,930 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 394 loans, Score: 70/100 (Strong)
- Refinance: 54 loans, Score: 61/100 (Strong)

**FHA:**
- Purchase: 123 loans, Score: 72/100 (Strong)

**VA:**
- Purchase: 46 loans, Score: 71/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 72/100 | 590 | $216M | +0.269% | Strong 😀 |
| Refinance | 63/100 | 64 | $24M | +0.220% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| UT | 332 | 0.74% | 80/100 |
| AZ | 255 | 0.26% | 75/100 |
| NM | 44 | 0.21% | 60/100 |
| NV | 20 | 0.05% | 48/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| St. George, UT | UT | 233 | 100/100 |
| Phoenix | AZ | 126 | 68/100 |
| Non |  | 111 | 55/100 |
| Lake Havasu City | AZ | 55 | 76/100 |
| Las Cruces, NM | NM | 36 | 64/100 |
| Las Vegas | NV | 20 | 49/100 |
| Provo | UT | 20 | 51/100 |
| Salt Lake City | UT | 20 | 50/100 |
| Flagstaff, AZ | AZ | 11 | 47/100 |

## Where This Lender Ranks

SUN AMERICAN MORTGAGE COMPANY appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in St. George, UT
  - [View Full Rankings](https://saferate.com/st-george-ut/best-mortgage-lenders)
- 🥉 **#3** in St. George, UT Mortgage Companies
  - [View Full Rankings](https://saferate.com/st-george-ut/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in St. George, UT for Conventional Loans
  - [View Full Rankings](https://saferate.com/st-george-ut/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in St. George, UT for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/st-george-ut/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Lake Havasu City for USDA Loans
  - [View Full Rankings](https://saferate.com/lake-havasu-city/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in Lake Havasu City for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lake-havasu-city/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#4** in Lake Havasu City
  - [View Full Rankings](https://saferate.com/lake-havasu-city/best-mortgage-lenders)
- 🏆 **#4** in Lake Havasu City Mortgage Companies
  - [View Full Rankings](https://saferate.com/lake-havasu-city/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Las Cruces, NM Mortgage Companies
  - [View Full Rankings](https://saferate.com/las-cruces-nm/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Las Cruces, NM for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/las-cruces-nm/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in Utah Mortgage Companies
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/mortgage-companies)
- 🏆 **#5** in St. George, UT for FHA Loans
  - [View Full Rankings](https://saferate.com/st-george-ut/best-mortgage-lenders/fha-loans)
- 🏆 **#5** in St. George, UT for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/st-george-ut/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#5** in St. George, UT for VA Loans
  - [View Full Rankings](https://saferate.com/st-george-ut/best-mortgage-lenders/va-loans)
- 🏆 **#5** in St. George, UT for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/st-george-ut/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#5** in Lake Havasu City for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lake-havasu-city/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in Utah for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#7** in Utah
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders)
- 🏆 **#7** in Utah for Conventional Loans
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/conventional-loans)
- 🏆 **#8** in Lake Havasu City for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lake-havasu-city/best-mortgage-lenders/mortgage-companies/fha-loans)

## Frequently Asked Questions

### What loan types does SUN AMERICAN MORTGAGE COMPANY offer?

SUN AMERICAN MORTGAGE COMPANY offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SUN AMERICAN MORTGAGE COMPANY offer mortgages?

SUN AMERICAN MORTGAGE COMPANY offers mortgages in 6 states: AZ, CA, CO, NM, NV, UT.

### How competitive are SUN AMERICAN MORTGAGE COMPANY's mortgage rates?

SUN AMERICAN MORTGAGE COMPANY has a pricing score of 43/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.261% above market average.

### What type of lender is SUN AMERICAN MORTGAGE COMPANY?

SUN AMERICAN MORTGAGE COMPANY is a non-depository lender that specializes in mortgage origination, headquartered in MESA, AZ.

### What is SUN AMERICAN MORTGAGE COMPANY's loan approval success rate?

SUN AMERICAN MORTGAGE COMPANY has a pull-through score of 67/100 (Strong). 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/sun-american-mortgage

### How to Cite

> "SUN AMERICAN MORTGAGE COMPANY Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/sun-american-mortgage

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