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Sun American Mortgage Company

Independent Mortgage Company•Mesa, AZHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Sun American Mortgage Company — 654 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 8 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
VA Superstar
VA
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA and USDA loans

Explore another lender or local market

Report Card

Sun American Mortgage Company performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+26.1 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume448
Mix68.5%
Spread
+0.260%Above
Fees
$2,462Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume130
Mix19.9%
Spread
+0.479%Above
Fees
$3,432Fees
VA Loans
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume48
Mix7.3%
Spread
-0.185%Below
Fees
$2,154Fees
USDA Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Sound
Volume19
Mix2.9%
Spread
+0.164%Above
Fees
$1,930Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume590
Mix90.2%
Spread
+0.269%Above
Fees
$2,396Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume64
Mix9.8%
Spread
+0.220%Above
Fees
$3,404Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
654
Applications
1,008
Volume
$239 million
Pricing & Closing
Avg Rate Spread
+0.261%
vs. market APOR
Avg Net Fees
$2,560
Origination − Credits
Pullthrough Rate
64.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$366,407
Avg Borrower Income
$144,416
Avg Property Value
$493,303

Geographic Coverage

Geographic Performance

Metro Areas
8
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

6
6 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
West6
AZCACONMNVUT

Top Metro Areas by Place Specialization Score

1© Jrozwado · CC BY-SA 4.0
St. George, UTMetro
Volume 233Mix 35.63% of portfolio
100/100
Exceptional
2© Milonica · CC BY-SA 3.0
Lake Havasu City, AZMetro
Volume 55Mix 8.41% of portfolio
76/100
Strong
3© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 126Mix 19.27% of portfolio
68/100
Strong
4© David Herrera · CC BY 2.0
Las Cruces, NMMetro
Volume 36Mix 5.50% of portfolio
64/100
Strong
5© Benjam63 · CC BY-SA 4.0
Provo, UTMetro
Volume 20Mix 3.06% of portfolio
51/100
Sound
6© Garrett from Salt Lake City · CC BY 2.0
Salt Lake City, UTMetro
Volume 20Mix 3.06% of portfolio
50/100
Sound
7© Roman Eugeniusz · CC BY-SA 3.0
Las Vegas, NVMetro
Volume 20Mix 3.06% of portfolio
49/100
Sound
8© Crazydog115 (talk) · CC BY 3.0
Flagstaff, AZMetro
Volume 11Mix 1.68% of portfolio
47/100
Sound

Top States by Place Specialization Score

Utah
Utah
1
UtahState
Volume 332Mix 50.76% of portfolio
80/100
Exceptional
Arizona
Arizona
2
ArizonaState
Volume 255Mix 38.99% of portfolio
75/100
Strong
New Mexico
New Mexico
3
New MexicoState
Volume 44Mix 6.73% of portfolio
60/100
Sound
Nevada
Nevada
4
NevadaState
Volume 20Mix 3.06% of portfolio
48/100
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.