What loan types does Mountain West Financial offer?

Mountain West Financial offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does Mountain West Financial offer mortgages?

Mountain West Financial offers mortgages in 9 states: AZ, CA, CO, NC, NV, OK, OR, TX, WA.

How competitive are Mountain West Financial's mortgage rates?

Mountain West Financial has an overall pricing score of 20.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Mountain West Financial?

Mountain West Financial is a Independent Mortgage Company headquartered in WESTLAKE VILLAGE, CA.

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Mountain West Financial

Independent Mortgage Company•Westlake Village, CAHQ•Direct•Reviews near you on Google

Mountain West Financial has 146 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

FHA · Conventional · VA

Place

Sound

3/5

Multi-Region · 3 mkts

Summary

Things to Think About

Pricing may be below industry average
Higher than average fees ($4,368)

Explore another lender or local market

Report Card

Mountain West Financial performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+38.4 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

FHA

Sound

Top 60% of lenders

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Mediocre	Acceptable	82	56.2%	+0.436%Above	$3,950Fees
FHA Loans	Sound	Sound	Acceptable	Sound	47	32.2%	+0.446%Above	$5,401Fees
VA Loans	Strong	Sound	—	Strong	17	11.6%	-0.271%Below	$3,645Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Acceptable

Volume82

Mix56.2%

Spread

+0.436%Above

Fees

$3,950Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume47

Mix32.2%

Spread

+0.446%Above

Fees

$5,401Fees

VA Loans

Overall

Strong

Product

Sound

Pricing—

Pull Through

Strong

Volume17

Mix11.6%

Spread

-0.271%Below

Fees

$3,645Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Mediocre	Acceptable	123	84.2%	+0.416%Above	$4,268Fees
Refinance	Acceptable	Acceptable	—	Acceptable	23	15.8%	+0.208%Above	$4,909Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Acceptable

Volume123

Mix84.2%

Spread

+0.416%Above

Fees

$4,268Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume23

Mix15.8%

Spread

+0.208%Above

Fees

$4,909Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

146

Applications

219

Volume

$64 million

Pricing & Closing

Avg Rate Spread

+0.384%

vs. market APOR

Avg Net Fees

$4,368

Origination − Credits

Pullthrough Rate

66.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$439,658

Avg Borrower Income

$156,726

Avg Property Value

$550,959

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

South3

NCOKTX

West6

AZCACONVORWA

Top Metro Areas by Place Specialization Score

Riverside, CAMetro

Volume 55Mix 37.67% of portfolio

65/100

Strong

Santa Cruz, CAMetro

Volume 10Mix 6.85% of portfolio

47/100

Sound

Los Angeles, CAMetro

Volume 10Mix 6.85% of portfolio

43/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 105Mix 71.92% of portfolio

64/100

Strong

OregonState

Volume 13Mix 8.90% of portfolio

46/100

Sound

ArizonaState

Volume 11Mix 7.53% of portfolio

43/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 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.