Sun West Mortgage Company, Inc NMLS #3277
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At a glance
- HeadquartersCerritos, CA
- Size8,918 home loans closed in 2025
- Loan typesFHA, Conventional and VA
- Formed in1980
2025 figures are for SUN WEST MORTGAGE COMPANY, INC.'s filing.
What it closes
Share of its 2025 home loans: 40% FHA, 37% Conventional, 22% VA and 1% Other types.
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Who is Sun West Mortgage Company, Inc?
Sun West Mortgage Company, Inc (NMLS #3277) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerSun West Mortgage Company, Inc
- NMLS #3277
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
- Biography reviewed byPaige Sutton, NMLS #1888684 ()
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About Sun West Mortgage Company, Inc
Overview
Sun West Mortgage Company, Inc. is a residential mortgage company. The company also uses consumer-facing trade names that include LOWRATES.com, Mortgage Possible and 1st Liberty.
Mortgage options
In 2025, Sun West Mortgage Company, Inc. made conventional, FHA, VA and USDA loans. Its loans that year were for home purchases, refinances and cash-out refinances. Its residential mortgage options also include property rehabilitation loans and reverse mortgages.
Locations
Sun West Mortgage Company, Inc. has 126 branches across multiple states and Puerto Rico.
Company details and licensing
Sun West Mortgage Company, Inc. is a California corporation formed on August 12, 1980. Its main office is at 18303 Gridley Rd. in Cerritos, California 90703. The company’s NMLS ID is 3277. Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #3277 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asSUN WEST MORTGAGE COMPANY, INC.
- 2025 home loan decisionsOf 14,003 applications decided by SUN WEST MORTGAGE COMPANY, INC. in 2025, 8,918 were originated, 2,995 were approved but not accepted by the borrower, and 2,090 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 85.1%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 1,565 applications were withdrawn by the borrower, 702 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.108 percentage points above the average prime offer rate (reported on 8,534 originations, 384 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median origination charges$4,479.51 — originated closed-end household loans, 2025, 7,680 of 8,595 loans. FFIEC HMDA data browser.
- Median lender credits$933.26 — originated closed-end household loans, 2025, 4,394 of 8,595 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types3,274 Conventional, 3,575 FHA, 1,990 VA, 79 USDA — of 8,918 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for SUN WEST MORTGAGE COMPANY, INC. — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
What is Sun West Mortgage Company, Inc's NMLS number?
Sun West Mortgage Company, Inc's NMLS number is 3277. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Sun West Mortgage Company, Inc's NMLS ID?
Yes. We checked Sun West Mortgage Company, Inc's company name and NMLS ID against the NMLS record on August 7, 2026. They've been in our lender network since February 2012. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Sun West Mortgage Company, Inc?
This page has Sun West Mortgage Company, Inc's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.