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SUN WEST MORTGAGE COMPANY, INC.
Independent Mortgage Company|Sacramento, CA|National
Loans Originated
4,942
Applications
9,675
Volume
$1 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Safe Rate Awards⭐VA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.247%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,647
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
51.1%
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
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Report Card
SUN WEST MORTGAGE COMPANY, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 50 metro areas · 51 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$342,900
Average Borrower Income
$115,444
Average Property Value
$422,218
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Sound | 1,100 | 22.3% | +0.451% | $2,866 |
FHA Loans | Sound | Exceptional | Acceptable | Strong | 2,982 | 60.3% | +0.508% | $4,062 |
VA Loans | Strong | Exceptional | Sound | Strong | 779 | 15.8% | -0.510% | $3,599 |
USDA Loans | Sound | Exceptional | Acceptable | Strong | 76 | 1.5% | +0.363% | $2,833 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Strong | 2,912 | 58.9% | +0.509% | $3,473 |
Refinance | Sound | Strong | Sound | Sound | 2,030 | 41.1% | -0.125% | $3,896 |
Geographic Coverage
Metro Areas
49
States Served
51
Why 51? We count DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Riverside, CAMSA
Volume: 330Mix: 6.68%
Place Specialization
Strong
2
San Juan, PRMSA
Volume: 160Mix: 3.24%
Place Specialization
Strong
3
Phoenix, AZMSA
Volume: 234Mix: 4.73%
Place Specialization
Strong
4
Ponce, PR, PRMSA
Volume: 47Mix: 0.95%
Place Specialization
Strong
5
Los Angeles, CAMSA
Volume: 157Mix: 3.18%
Place Specialization
Strong
6
Fort Worth, TXMSA
Volume: 103Mix: 2.08%
Place Specialization
Strong
7
Hilton Head Island, SCMSA
Volume: 46Mix: 0.93%
Place Specialization
Strong
8
Dallas, TXMSA
Volume: 125Mix: 2.53%
Place Specialization
Strong
9
Baltimore, MDMSA
Volume: 93Mix: 1.88%
Place Specialization
Strong
10
Kansas City, MO, MO-KSMSA
Volume: 90Mix: 1.82%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 882Mix: 17.85%
Place Specialization
Strong
2
TXState
Volume: 529Mix: 10.70%
Place Specialization
Strong
3
AZState
Volume: 282Mix: 5.71%
Place Specialization
Strong
4
FLState
Volume: 440Mix: 8.90%
Place Specialization
Strong
5
VAState
Volume: 158Mix: 3.20%
Place Specialization
Strong
6
MDState
Volume: 157Mix: 3.18%
Place Specialization
Strong
7
SCState
Volume: 121Mix: 2.45%
Place Specialization
Strong
8
OKState
Volume: 117Mix: 2.37%
Place Specialization
Strong
9
GAState
Volume: 174Mix: 3.52%
Place Specialization
Strong
10
COState
Volume: 148Mix: 2.99%
Place Specialization
Strong
Showing 10 of 39 states
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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