# SUN WEST MORTGAGE COMPANY, INC.

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


> **📋 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 WEST MORTGAGE COMPANY, INC. is a independent mortgage company, headquartered in Sacramento, CA, serving borrowers nationwide, with 4,942 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 67% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 38% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300SK2GVCQXPD4S58
- **Headquarters:** Sacramento, CA
- **Geographic Reach:** National
- **States Served:** 51
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** mix
- **Direct Origination:** 34.4%
- **Brokered/Wholesale:** 65.6%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.247%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,647
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 4,942
- **Dollar Volume:** $1.7 billion
- **Applications Received:** 9,675
- **Market Share:** 14.00%

## Typical Borrower Profile

- **Average Loan Amount:** $342,900
- **Average Borrower Income:** $115,444
- **Average Property Value:** $422,218

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (62%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **USDA Gold Superstar** (62%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 67/100 | 1,100 | +0.451% | $2,866 | Strong 😀 |
| FHA | 88/100 | 2,982 | +0.508% | $4,062 | Exceptional 🤩 |
| VA | 82/100 | 779 | -0.510% | $3,599 | Exceptional 🤩 |
| USDA | 83/100 | 76 | +0.363% | $2,833 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 824 loans, Score: 65/100 (Strong)
- Refinance: 276 loans, Score: 62/100 (Strong)

**FHA:**
- Purchase: 1,618 loans, Score: 86/100 (Exceptional)
- Refinance: 1,364 loans, Score: 89/100 (Exceptional)

**VA:**
- Purchase: 389 loans, Score: 80/100 (Strong)
- Refinance: 390 loans, Score: 87/100 (Exceptional)

**USDA:**
- Purchase: 76 loans, Score: 83/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 83/100 | 2,912 | $1.0B | +0.509% | Exceptional 🤩 |
| Refinance | 77/100 | 2,030 | $692M | -0.125% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 882 | 0.31% | 75/100 |
| TX | 529 | 0.15% | 71/100 |
| FL | 440 | 0.15% | 68/100 |
| AZ | 282 | 0.28% | 70/100 |
| GA | 174 | 0.13% | 63/100 |
| VA | 158 | 0.15% | 65/100 |
| MD | 157 | 0.22% | 65/100 |
| CO | 148 | 0.18% | 63/100 |
| NC | 141 | 0.10% | 59/100 |
| IL | 126 | 0.10% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 400 | 65/100 |
| Riverside | CA | 330 | 75/100 |
| Phoenix | AZ | 234 | 69/100 |
| San Juan | PR | 160 | 70/100 |
| Los Angeles | CA | 157 | 67/100 |
| Dallas | TX | 125 | 63/100 |
| Houston | TX | 106 | 60/100 |
| Fort Worth | TX | 103 | 66/100 |
| Baltimore | MD | 93 | 63/100 |
| Kansas City, MO | MO-KS | 90 | 61/100 |
| Atlanta | GA | 89 | 60/100 |
| Chicago | IL | 87 | 59/100 |
| Denver | CO | 80 | 59/100 |
| Arlington | VA-WV | 65 | 58/100 |
| Baton Rouge, LA | LA | 65 | 61/100 |

## Where This Lender Ranks

SUN WEST MORTGAGE COMPANY, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Ponce, PR for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/ponce-pr/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in San Juan for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Ponce, PR Mortgage Companies
  - [View Full Rankings](https://saferate.com/ponce-pr/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Ponce, PR for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/ponce-pr/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Ponce, PR for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/ponce-pr/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Florence, SC for USDA Loans
  - [View Full Rankings](https://saferate.com/florence-sc/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Florence, SC for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/florence-sc/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Mayaguez, PR for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/mayaguez-pr/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in San Juan for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Ponce, PR for VA Loans
  - [View Full Rankings](https://saferate.com/ponce-pr/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Guayama, PR for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/guayama-pr/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#5** in San Juan Mortgage Companies
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/mortgage-companies)
- 🏆 **#5** in Ponce, PR
  - [View Full Rankings](https://saferate.com/ponce-pr/best-mortgage-lenders)
- 🏆 **#5** in Ponce, PR for Conventional Loans
  - [View Full Rankings](https://saferate.com/ponce-pr/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Ponce, PR for FHA Loans
  - [View Full Rankings](https://saferate.com/ponce-pr/best-mortgage-lenders/fha-loans)
- 🏆 **#5** in Mayaguez, PR for FHA Loans
  - [View Full Rankings](https://saferate.com/mayaguez-pr/best-mortgage-lenders/fha-loans)
- 🏆 **#6** in San Juan for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#6** in San Juan for VA Loans
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/va-loans)
- 🏆 **#6** in Guayama, PR for FHA Loans
  - [View Full Rankings](https://saferate.com/guayama-pr/best-mortgage-lenders/fha-loans)
- 🏆 **#7** in San Juan for Conventional Loans
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does SUN WEST MORTGAGE COMPANY, INC. offer?

SUN WEST MORTGAGE COMPANY, INC. 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 WEST MORTGAGE COMPANY, INC. offer mortgages?

SUN WEST MORTGAGE COMPANY, INC. is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are SUN WEST MORTGAGE COMPANY, INC.'s mortgage rates?

SUN WEST MORTGAGE COMPANY, INC. has a pricing score of 33/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.247% above market average.

### What type of lender is SUN WEST MORTGAGE COMPANY, INC.?

SUN WEST MORTGAGE COMPANY, INC. is a non-depository lender that specializes in mortgage origination, headquartered in Sacramento, CA.

### What is SUN WEST MORTGAGE COMPANY, INC.'s loan approval success rate?

SUN WEST MORTGAGE COMPANY, INC. has a pull-through score of 62/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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-west-mortgage-company

### How to Cite

> "SUN WEST MORTGAGE COMPANY, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/sun-west-mortgage-company

---

**[View Interactive Profile →](https://saferate.com/lenders/sun-west-mortgage-company)**