Purchase Originations
1,521
Ranked #281 nationally
Median Total Costs
$11,360
+70.1% vs national ($6,680)
↑ $70 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$4,270
Median Lender Credits
$320
Cost Rank (500+ vol.)
#572
among lenders with 500+ originations
Denial Rate
17.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 840 | 6.375% | $13,946 | $4,530 |
| conventional | 481 | 6.625% | $8,220 | $4,374 |
| va | 167 | 6.375% | $8,849 | $2,418 |
| usda | 33 | 6.250% | $8,394 | $3,253 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 241 | 6.375% | $15,333 | #131 |
| Texas | 231 | 6.375% | $12,333 | #185 |
| Puerto Rico | 121 | 6.250% | $9,766 | #16 |
| Florida | 112 | 6.432% | $14,128 | #218 |
| Arizona | 95 | 6.500% | $14,945 | #105 |
| Illinois | 73 | 6.875% | $10,749 | #171 |
| Oklahoma | 53 | 6.375% | $7,972 | #93 |
| Ohio | 51 | 6.500% | $7,391 | #186 |
| Missouri | 49 | 6.750% | $8,443 | — |
| Kansas | 36 | 6.625% | $8,014 | — |
| Maryland | 36 | 6.375% | $13,785 | — |
| North Carolina | 35 | 6.605% | $8,758 | — |
| Tennessee | 31 | 6.625% | $10,426 | — |
| Colorado | 30 | 6.473% | $13,457 | — |
| New York | 29 | 6.375% | $20,595 | — |
| Georgia | 26 | 6.625% | $11,691 | — |
| Nevada | 23 | 6.865% | $13,021 | — |
| Louisiana | 22 | 6.250% | $11,998 | — |
| Pennsylvania | 20 | 6.625% | $9,342 | — |
| Virginia | 20 | 6.551% | $7,765 | — |
| New Jersey | 17 | 6.625% | $11,374 | — |
| Indiana | 16 | 6.497% | $8,325 | — |
| Oregon | 15 | 6.625% | $7,189 | — |
| VI | 14 | 6.938% | $13,719 | — |
| Michigan | 13 | 6.586% | $8,034 | — |
| Alabama | 12 | 6.875% | $7,598 | — |
| Minnesota | 12 | 6.375% | $8,648 | — |
| Utah | 12 | 6.375% | $8,579 | — |
| Wisconsin | 10 | 6.688% | $7,214 | — |
| Kentucky | 8 | 6.188% | $9,200 | — |
| South Carolina | 8 | 6.250% | $10,944 | — |
| Arkansas | 6 | 6.296% | $9,178 | — |
| Connecticut | 6 | 6.312% | $12,640 | — |
| Massachusetts | 6 | 6.562% | $8,732 | — |
| West Virginia | 6 | 6.750% | $13,173 | — |
| Washington | 5 | 6.375% | $13,108 | — |
| Hawaii | 4 | 6.438% | $28,853 | — |
| New Mexico | 4 | 6.938% | $8,314 | — |
| Delaware | 3 | 6.625% | $12,717 | — |
| Idaho | 3 | 5.375% | $5,211 | — |
| Alaska | 2 | 7.125% | $11,605 | — |
| New Hampshire | 2 | 6.188% | $6,872 | — |
| Rhode Island | 2 | 6.500% | $12,901 | — |
| Mississippi | 1 | 6.625% | $12,860 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,901 | 6.375% | — | 20 | −$4,459 | |
| 2 | $8,289 | 6.550% | — | 16 | −$3,071 | |
| 3 | $8,339 | 6.750% | — | 13 | −$3,021 | |
| 4 | $9,990 | 6.250% | — | 15 | −$1,370 | |
| 5 | $10,419 | 6.125% | — | 11 | −$941 | |
| 6 | $10,997 | 6.875% | — | 53 | −$363 | |
| 7 | $11,295 | 6.250% | — | 14 | −$65 | |
| 8 | $12,520 | 6.812% | — | 10 | +$1,160 | |
| 9 | $13,141 | 6.812% | — | 22 | +$1,781 | |
| 10 | $13,188 | 6.500% | — | 13 | +$1,828 | |
| 11 | $13,374 | 6.250% | — | 40 | +$2,014 | |
| 12 | $13,642 | 6.409% | — | 14 | +$2,282 | |
| 13 | $14,025 | 6.500% | — | 22 | +$2,665 | |
| 14 | $15,218 | 6.480% | — | 80 | +$3,858 | |
| 15 | $15,245 | 6.375% | — | 51 | +$3,885 | |
| 16 | $15,270 | 6.230% | — | 15 | +$3,910 | |
| 17 | $16,432 | 6.375% | — | 11 | +$5,072 | |
| 18 | $17,756 | 6.500% | — | 38 | +$6,396 | |
| 19 | $18,488 | 6.375% | — | 41 | +$7,128 | |
| 20 | $20,425 | 6.312% | — | 14 | +$9,065 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Sun West Mortgage Company, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $335,000 | $335,000 | +$0 (+0.0%) |
| Median total closing costs | $11,360 | $7,127 | +$4,233 (+59.4%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.