Sunward mortgage approval rate & lending review
Sunward decided 3,092 mortgage applications and funded 2,841 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Sunward reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Sunward at a glance
Approval is 16.4 points above the 75.4% 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 | 97% | 1,205 / 1,243 | 100% | $285K | 1,205 |
| Home improvement loans | 90% | 796 / 887 | 100% | $85K | 796 |
| Cash-out refinance | 87% | 516 / 592 | 100% | $125K | 516 |
| Refinance | 89% | 132 / 148 | 100% | $325K | 132 |
| Investment property purchase | 88% | 92 / 105 | 100% | $245K | 92 |
| Investment cash-out refinance | 86% | 37 / 43 | 100% | $165K | 37 |
| Investment refinance | 100% | 36 / 36 | 100% | $255K | 36 |
| Investment home improvement | 71% | 27 / 38 | 100% | $105K | 27 |
Sunward lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Mexico | 91% | $125K | 2,630 | 2,398 |
| California | 97% | $855K | 385 | 372 |
| Texas | 100% | $295K | 25 | 25 |
| Colorado | 83% | $75K | 24 | 20 |
| Arizona | 96% | $155K | 23 | 22 |
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 Sunward lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bernalillo County, NM | Mortgage lenders | 97% | 808 | 783 |
| Bernalillo County, NM | Home improvement loans | 92% | 580 | 532 |
| Bernalillo County, NM | Cash-out refinance | 87% | 382 | 334 |
| Alameda County, CA | Mortgage lenders | 99% | 146 | 144 |
| Sandoval County, NM | Mortgage lenders | 97% | 135 | 131 |
| Sandoval County, NM | Home improvement loans | 92% | 123 | 113 |
| Sandoval County, NM | Cash-out refinance | 86% | 111 | 96 |
| Bernalillo County, NM | Investment property purchase | 83% | 60 | 50 |
| Bernalillo County, NM | Refinance | 82% | 60 | 49 |
| Alameda County, CA | Refinance | 98% | 48 | 47 |
| Santa Fe County, NM | Home improvement loans | 79% | 43 | 34 |
| San Juan County, NM | Home improvement loans | 63% | 51 | 32 |
The county markets where Sunward made the most loans. Each link opens that market with every lender ranked.
Questions about Sunward
What is Sunward's mortgage approval rate?
Sunward approved 91.9% of the 3,092 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 16.4 points above the 75.4% national rate for the same mix of loan types.
How often do borrowers take the loan Sunward offers?
Borrowers accepted 100% of the loans Sunward 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 Sunward make?
The typical home purchase mortgage loan Sunward made was $285K; across all loan types its typical loan ran from $85K to $325K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Sunward lend?
Sunward decided applications in 6 of the states Fat Boy Data covers, most of them in New Mexico, California and Texas.
Can I apply to Sunward directly?
Yes. Sunward is a bank or credit union with 15 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Sunward'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 Sunward treats applications, then get a rate quote from the lender.