Get & compare mortgage quotes anonymously Start in My Home
SWM
Unclaimed

Sun West Mortgage Company

Independent Mortgage Company•Sacramento, CAHQ•Direct & Wholesale•Reviews near you on Google

We analyzed every closed loan from Sun West Mortgage Company — 4.9k loans across 10k 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
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
National · 49 mkts
Safe Rate Awards
FHA Superstar
FHA
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
  • Nationwide availability with consistent service

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Sun West Mortgage Company performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+24.7 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
Exceptional
Top 20% of lenders
VA
Exceptional
Top 20% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume1,100
Mix22.3%
Spread
+0.451%Above
Fees
$2,866Fees
FHA Loans
Overall
Strong
Product
Exceptional
Pricing
Acceptable
Pull Through
Strong
Volume2,982
Mix60.3%
Spread
+0.508%Above
Fees
$4,062Fees
VA Loans
Overall
Strong
Product
Exceptional
Pricing
Sound
Pull Through
Strong
Volume779
Mix15.8%
Spread
-0.510%Below
Fees
$3,599Fees
USDA Loans
Overall
Sound
Product
Exceptional
Pricing
Acceptable
Pull Through
Strong
Volume76
Mix1.5%
Spread
+0.363%Above
Fees
$2,833Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Exceptional
Pricing
Acceptable
Pull Through
Strong
Volume2,912
Mix58.9%
Spread
+0.509%Above
Fees
$3,473Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume2,030
Mix41.1%
Spread
-0.125%Below
Fees
$3,896Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
4,942
Applications
9,675
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.247%
vs. market APOR
Avg Net Fees
$3,647
Origination − Credits
Pullthrough Rate
51.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$342,900
Avg Borrower Income
$115,444
Avg Property Value
$422,218

Geographic Coverage

Geographic Performance

Metro Areas
49
markets with activity
States Served
51
Includes Washington, DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

51Nationwide · all 50 states and DC
51 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast9
CTMEMANHNJNYPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Johnwayne Stroud · CC BY-SA 3.0
Riverside, CAMetro
Volume 330Mix 6.68% of portfolio
75/100
Strong
2© Wilfredor · CC0
San Juan, PRMetro
Volume 160Mix 3.24% of portfolio
70/100
Strong
3© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 234Mix 4.73% of portfolio
69/100
Strong
4© laura0509 · CC BY-SA 2.0
Ponce, PRMetro
Volume 47Mix 0.95% of portfolio
69/100
Strong
5© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 157Mix 3.18% of portfolio
67/100
Strong
6© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0
Fort Worth, TXMetro
Volume 103Mix 2.08% of portfolio
66/100
Strong
7© tim-johnson · CC BY 2.0
Hilton Head Island, SCMetro
Volume 46Mix 0.93% of portfolio
63/100
Strong
8© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 125Mix 2.53% of portfolio
63/100
Strong
9© Andrew Parlette from Elkridge,MD, US · CC BY 2.0
Baltimore, MDMetro
Volume 93Mix 1.88% of portfolio
63/100
Strong
10© Lasse Fuss · CC BY-SA 3.0
Kansas City, MO, MO-KSMetro
Volume 90Mix 1.82% of portfolio
61/100
Strong
Showing 10 of 49 metro areas

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 882Mix 17.85% of portfolio
75/100
Strong
Texas
Texas
2
TexasState
Volume 529Mix 10.70% of portfolio
71/100
Strong
Arizona
Arizona
3
ArizonaState
Volume 282Mix 5.71% of portfolio
70/100
Strong
Florida
Florida
4
FloridaState
Volume 440Mix 8.90% of portfolio
68/100
Strong
Virginia
Virginia
5
VirginiaState
Volume 158Mix 3.20% of portfolio
65/100
Strong
Maryland
Maryland
6
MarylandState
Volume 157Mix 3.18% of portfolio
65/100
Strong
South Carolina
South Carolina
7
South CarolinaState
Volume 121Mix 2.45% of portfolio
63/100
Strong
Oklahoma
Oklahoma
8
OklahomaState
Volume 117Mix 2.37% of portfolio
63/100
Strong
Georgia
Georgia
9
GeorgiaState
Volume 174Mix 3.52% of portfolio
63/100
Strong
Colorado
Colorado
10
ColoradoState
Volume 148Mix 2.99% of portfolio
63/100
Strong
Showing 10 of 39 states

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.

Looking for a different lender?

Are you the owner of Sun West Mortgage Company?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
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.