Sunwest Company is a prominent U.S.-based mortgage lender specializing in non-QM (non-Fannie Mae/Freddie Mac conforming) loans. It serves borrowers with non-traditional credit profiles, higher loan-to-value ratios, or unique financial circumstances. The company operates across all 50 states and emphasizes digital platforms for streamlined loan applications and processing. Sunwest maintains financial stability through conservative underwriting practices and diversified revenue streams, including refinance and purchase transactions.

Sunwest’s success stems from its focus on the non-QM market, which has grown significantly due to rising demand for flexible lending solutions. From 2020 to 2023, non-QM loan originations in the U.S. surged by 150%, reaching $1.2 trillion, driven by stricter conforming loan standards and evolving consumer needs (Mortgage Bankers Association, 2023). Sunwest captured approximately 8% of this growing market, outperforming regional competitors. Its digital infrastructure reduces processing times by 40% compared to traditional lenders, enhancing customer satisfaction and operational efficiency. Additionally, Sunwest’s loan portfolio delinquency rate remains at 2.5%, below the industry average of 3.8%, reflecting effective risk management (Federal Housing Finance Agency, 2023). These factors, combined with strategic partnerships with credit bureaus and investor groups, solidify Sunwest’s position as a leader in non-conventional lending. The company’s financial health is further evidenced by a capital adequacy ratio of 12.3%, exceeding regulatory requirements (FDIC, 2023), ensuring resilience against market volatility.