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SUN AMERICAN MORTGAGE COMPANY
Independent Mortgage Company|MESA, AZ|Multi-Region
Loans Originated
654
Applications
1,008
Volume
$239 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.261%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,560
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
64.9%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Report Card
SUN AMERICAN MORTGAGE COMPANY performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 9 metro areas · 6 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$366,407
Average Borrower Income
$144,416
Average Property Value
$493,303
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Strong | 448 | 68.5% | +0.260% | $2,462 |
FHA Loans | Strong | Strong | Sound | Strong | 130 | 19.9% | +0.479% | $3,432 |
VA Loans | Strong | Strong | Sound | Strong | 48 | 7.3% | -0.185% | $2,154 |
USDA Loans | Sound | Strong | N/A | Sound | 19 | 2.9% | +0.164% | $1,930 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Sound | Strong | 590 | 90.2% | +0.269% | $2,396 |
Refinance | Sound | Strong | Sound | Sound | 64 | 9.8% | +0.220% | $3,404 |
Geographic Coverage
Metro Areas
8
States Served
6
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AZCACONMNVUT
Top Metro Areas by Place Specialization Score
1
St. George, UT, UTMSA
Volume: 233Mix: 35.63%
Place Specialization
Exceptional
2
Lake Havasu City, AZMSA
Volume: 55Mix: 8.41%
Place Specialization
Strong
3
Phoenix, AZMSA
Volume: 126Mix: 19.27%
Place Specialization
Strong
4
Las Cruces, NM, NMMSA
Volume: 36Mix: 5.50%
Place Specialization
Strong
5
Provo, UTMSA
Volume: 20Mix: 3.06%
Place Specialization
Sound
6
Salt Lake City, UTMSA
Volume: 20Mix: 3.06%
Place Specialization
Sound
7
Las Vegas, NVMSA
Volume: 20Mix: 3.06%
Place Specialization
Sound
8
Flagstaff, AZ, AZMSA
Volume: 11Mix: 1.68%
Place Specialization
Sound
Top States by Place Specialization Score
1
UTState
Volume: 332Mix: 50.76%
Place Specialization
Exceptional
2
AZState
Volume: 255Mix: 38.99%
Place Specialization
Strong
3
NMState
Volume: 44Mix: 6.73%
Place Specialization
Sound
4
NVState
Volume: 20Mix: 3.06%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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