Sun West Mortgage Company, Inc.: 2025 mortgage rates, costs & approvals
How Sun West Mortgage Company, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: SUN WEST MORTGAGE COMPANY, INC. · LEI 549300SK2GVCQXPD4S58
In 2025, Sun West Mortgage Company, Inc. originated 7,501 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 51 states — 78th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $7,850, 41% higher than the national median ($5,570).
It denied 11.6% of completed home-purchase applications (all lenders: 8.5%).
How Sun West Mortgage Company, Inc. priced home-purchase loans
| Purchase loans, 2025 | Sun West Mortgage Company, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.375% | 6.250% |
| 30-year fixed rate · VA | 6.337% | 6.125% |
| 15-year fixed rate · conventional | 5.500% | 5.875% |
| Rate spread vs. APOR · conventional | +0.18 pts | +0.13 pts |
| Total loan costs · conventional | $7,850 | $5,570 |
| Total loan costs · FHA | $14,160 | $11,310 |
| Total loan costs · VA | $8,260 | $6,490 |
| Origination charges (all types) | $4,230 | $1,860 |
| Borrowers paying discount points | 53.2% | 51.3% |
| Points paid, when paid (% of loan) | 0.87% | 0.87% |
| Borrowers receiving lender credits | 45.4% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Sun West Mortgage Company, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Sun West Mortgage Company, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| California | 1,463 | 2,197 | 9.0% | 6.500% | $8,180 |
| Texas | 913 | 1,276 | 11.2% | 6.500% | $9,260 |
| Florida | 576 | 1,024 | 15.5% | 6.625% | $10,110 |
| Arizona | 451 | 666 | 10.7% | 6.500% | — |
| Georgia | 336 | 597 | 17.2% | 6.841% | — |
| Illinois | 253 | 379 | 10.3% | 6.875% | $8,880 |
| Virginia | 224 | 365 | 16.1% | — | — |
| Maryland | 220 | 332 | 9.7% | 6.490% | — |
| Ohio | 219 | 314 | 8.0% | 6.500% | $4,530 |
| Tennessee | 216 | 346 | 8.2% | — | — |
| North Carolina | 208 | 349 | 16.7% | 6.589% | — |
| Colorado | 205 | 301 | 6.8% | 6.500% | — |
| Missouri | 175 | 232 | 7.0% | 6.750% | $6,080 |
| New Jersey | 158 | 246 | 13.0% | 6.500% | — |
| Michigan | 148 | 255 | 22.7% | — | — |
| Oklahoma | 141 | 183 | 3.1% | 6.737% | — |
| Washington | 140 | 217 | 17.1% | — | — |
| Kansas | 130 | 156 | 3.9% | 6.599% | $7,990 |
| South Carolina | 127 | 206 | 16.3% | — | — |
| Pennsylvania | 105 | 171 | 17.0% | — | — |
| New York | 103 | 151 | 11.4% | — | — |
| Oregon | 103 | 143 | 8.7% | — | — |
| Nevada | 102 | 170 | 14.3% | — | — |
| Indiana | 93 | 144 | 12.5% | — | — |
| Louisiana | 67 | 130 | 28.1% | — | — |
| Alabama | 66 | 117 | 18.0% | — | — |
| Utah | 66 | 115 | 4.4% | — | — |
| Minnesota | 63 | 93 | 0.0% | — | — |
| Wisconsin | 50 | 91 | 14.0% | — | — |
| Massachusetts | 50 | 63 | 4.3% | 6.875% | — |
| Connecticut | 46 | 62 | 11.1% | — | — |
| Kentucky | 45 | 79 | 13.2% | — | — |
| Idaho | 33 | 51 | — | — | — |
| Arkansas | 27 | 42 | 15.0% | — | — |
| New Hampshire | 22 | 35 | — | — | — |
| New Mexico | 21 | 51 | — | — | — |
| Mississippi | 21 | 38 | — | — | — |
| West Virginia | 19 | 30 | 14.3% | — | — |
| Hawaii | 18 | 29 | — | — | — |
| Delaware | 14 | 31 | — | — | — |
| Nebraska | 12 | 16 | — | — | — |
| Wyoming | 10 | 13 | — | — | — |
| Iowa | 9 | 17 | — | — | — |
| District of Columbia | 7 | 13 | — | — | — |
| Maine | 7 | 11 | — | — | — |
| Alaska | 7 | 9 | — | — | — |
| Montana | 4 | 8 | — | — | — |
| Rhode Island | 4 | 4 | — | — | — |
| North Dakota | 2 | 6 | — | — | — |
| South Dakota | 2 | 3 | — | — | — |
| Vermont | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Sun West Mortgage Company, Inc.'s page for that state.
Counties where Sun West Mortgage Company, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Beckham County, OK | 1 | 34 | 19.5% |
| Cheyenne County, KS | 5 | 1 | 12.5% |
| Randolph County, GA | 15 | 1 | 4.3% |
| Washita County, OK | 8 | 3 | 3.9% |
| Telfair County, GA | 15 | 1 | 3.2% |
| Wells County, ND | 12 | 1 | 3.1% |
| Greer County, OK | 16 | 1 | 2.9% |
| Love County, OK | 12 | 2 | 2.8% |
| Hansford County, TX | 20 | 1 | 2.7% |
| Calhoun County, FL | 9 | 2 | 2.7% |
| Grant County, OK | 21 | 1 | 2.6% |
| Bacon County, GA | 14 | 1 | 2.5% |
| Pickett County, TN | 20 | 1 | 2.4% |
| Custer County, OK | 9 | 5 | 2.4% |
| Choctaw County, AL | 19 | 1 | 2.3% |
Check Sun West Mortgage Company, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300SK2GVCQXPD4S58.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Sun West Mortgage Company, Inc. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology