The Mortgage Record
Lender report card · New Jersey

Sun West Mortgage Company, Inc

Cerritos, CA · What the federal mortgage record shows about how Sun West Mortgage Company, Inc treated New Jersey applicants, 2018–2025 — 4,307 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
87.2%
3,754 approved
Denial rate
12.8%
553 denied
Decisions
4,307
2018–2025
Avg. rate spread
+0.62 pp
vs. market benchmark
87.2% approved
12.8% denied

Share of 4,307 New Jersey applications Sun West Mortgage Company, Inc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional90.8% of 2,039 · NJ 87%FHA83.1% of 1,902 · NJ 79%VA88.5% of 355 · NJ 80%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

71%77%83%89%95%82%91%93%89%75%75%77%84%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Sun West Mortgage Company, Inc’s rates ran +0.12 pp higher than the typical New Jersey lender (average rate spread +0.62 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Sun West Mortgage Company, Inc approves

By income
Under $50k58.1% · 279$50–75k84.3% · 752$75–100k89.8% · 943$100–150k88.2% · 1,148$150–250k91.8% · 643$250k+91.5% · 142
By debt-to-income
Under 36%92.1% · 1,29736–43%91.2% · 83743–50%93.2% · 1,202Over 50%69.2% · 944
By down payment (LTV)
20%+ down86.1% · 1,84910–20% down87.9% · 5625–10% down90.5% · 4123–5% down89.7% · 961Under 3% down84.5% · 219

Why Sun West Mortgage Company, Inc denied applications

Other40% of denialsDebt-to-income ratio33% of denialsCredit history17% of denialsCollateral (value/type)4% of denialsUnverifiable information3% of denialsIncomplete application2% of denials

Where Sun West Mortgage Company, Inc lends in NJ

CountyDecisionsApproval
Union County76585.8%
Essex County49383.0%
Burlington County35692.4%
Ocean County34488.7%
Middlesex County32088.8%
Camden County26889.9%
Hudson County23984.1%
Monmouth County21488.3%

Fees & closing costs

Median total loan costs
$10,879
home purchase
As % of loan
3.35%
NJ median 1.93%
Priced originations
598
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Sun West Mortgage Company, Inc’s home-purchase originations — 1.41 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $99. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare Sun West Mortgage Company, Inc to other lenders for your profile

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Sun West Mortgage Company, Inc (LEI 549300SK2GVCQXPD4S58). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →