# MOUNTAIN WEST FINANCIAL, INC.

> **Canonical URL:** https://saferate.com/lenders/mountain-west-financial

> **📋 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

MOUNTAIN WEST FINANCIAL, INC. is a independent mortgage company, headquartered in WESTLAKE VILLAGE, CA, serving borrowers across 9 states, with 146 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 80% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 54% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300WEOD0TL2O6EU67
- **Headquarters:** WESTLAKE VILLAGE, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** AZ, CA, CO, NC, NV, OK, OR, TX, WA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 97.7%
- **Brokered/Wholesale:** 2.3%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 20/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.384%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,368
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 146
- **Dollar Volume:** $64 million
- **Applications Received:** 219
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $439,658
- **Average Borrower Income:** $156,726

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 28/100 | 82 | +0.436% | $3,950 | Acceptable 🙂 |
| FHA | 57/100 | 47 | +0.446% | $5,401 | Sound ☺️ |
| VA | 57/100 | 17 | -0.271% | $3,645 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 63 loans, Score: 28/100 (Acceptable)

**FHA:**
- Purchase: 44 loans, Score: 57/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 36/100 | 123 | $57M | +0.416% | Acceptable 🙂 |
| Refinance | 31/100 | 23 | $7M | +0.208% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 105 | 0.04% | 64/100 |
| OR | 13 | 0.03% | 46/100 |
| AZ | 11 | 0.01% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Riverside | CA | 55 | 65/100 |
| Los Angeles | CA | 10 | 43/100 |
| Santa Cruz | CA | 10 | 47/100 |

## Frequently Asked Questions

### What loan types does MOUNTAIN WEST FINANCIAL, INC. offer?

MOUNTAIN WEST FINANCIAL, INC. offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does MOUNTAIN WEST FINANCIAL, INC. offer mortgages?

MOUNTAIN WEST FINANCIAL, INC. offers mortgages in 9 states: AZ, CA, CO, NC, NV, OK, OR, TX, WA.

### How competitive are MOUNTAIN WEST FINANCIAL, INC.'s mortgage rates?

MOUNTAIN WEST FINANCIAL, INC. has a pricing score of 20/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.384% above market average.

### What type of lender is MOUNTAIN WEST FINANCIAL, INC.?

MOUNTAIN WEST FINANCIAL, INC. is a non-depository lender that specializes in mortgage origination, headquartered in WESTLAKE VILLAGE, CA.

### What is MOUNTAIN WEST FINANCIAL, INC.'s loan approval success rate?

MOUNTAIN WEST FINANCIAL, INC. has a pull-through score of 46/100 (Sound). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/mountain-west-financial

### How to Cite

> "MOUNTAIN WEST FINANCIAL, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/mountain-west-financial

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