Sun American Mortgage Company mortgage approval rate & lending review
Sun American Mortgage Company decided 1,852 mortgage applications and funded 1,815 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Sun American Mortgage Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to sunamerican.com.
Sun American Mortgage Company at a glance
Approval is 13.5 points above the 84.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 1,329 / 1,355 | 100% | $375K | 1,329 |
| Cash-out refinance | 99% | 225 / 227 | 100% | $155K | 225 |
| Refinance | 98% | 86 / 88 | 100% | $385K | 86 |
| Investment property purchase | 97% | 143 / 148 | 100% | $285K | 143 |
Sun American Mortgage Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Utah | 98% | $375K | 902 | 884 |
| Arizona | 98% | $365K | 760 | 744 |
| New Mexico | 100% | $275K | 116 | 116 |
| Nevada | 95% | $295K | 63 | 60 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Sun American Mortgage Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Washington County, UT | Mortgage lenders | 98% | 584 | 570 |
| Mohave County, AZ | Mortgage lenders | 98% | 166 | 163 |
| Maricopa County, AZ | Cash-out refinance | 100% | 120 | 120 |
| Doña Ana County, NM | Mortgage lenders | 100% | 103 | 103 |
| Washington County, UT | Investment property purchase | 99% | 70 | 69 |
| Washington County, UT | Refinance | 100% | 53 | 53 |
| Washington County, UT | Cash-out refinance | 98% | 46 | 45 |
The county markets where Sun American Mortgage Company made the most loans. Each link opens that market with every lender ranked.
Questions about Sun American Mortgage Company
What is Sun American Mortgage Company's mortgage approval rate?
Sun American Mortgage Company approved 98.0% of the 1,852 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.5 points above the 84.5% national rate for the same mix of loan types.
How often do borrowers take the loan Sun American Mortgage Company offers?
Borrowers accepted 100% of the loans Sun American Mortgage Company approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Sun American Mortgage Company make?
The typical home purchase mortgage loan Sun American Mortgage Company made was $375K; across all loan types its typical loan ran from $155K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Sun American Mortgage Company lend?
Sun American Mortgage Company decided applications in 7 of the states Fat Boy Data covers, most of them in Utah, Arizona and New Mexico.
Can I apply to Sun American Mortgage Company directly?
Yes. Sun American Mortgage Company reports as a direct lender that takes applications from borrowers. Its website is sunamerican.com.
Does this page show Sun American Mortgage Company's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Sun American Mortgage Company treats applications, then get a rate quote from the lender.