Sun West Mortgage Achieves One-Hour Underwriting Review Times

Sun West Mortgage

Sun West Mortgage, through its AI-based technology Morgan™, has reduced loan underwriting review times to just one hour.

Sun West eliminated processing fees and now has achieved one-hour underwriting condition resolution, virtually eliminating the time from loan application to approval for its borrowers. Backed by its one-business-day underwriting-approval guarantee, Sun West continues to defy traditional lending norms by investing in technology-based solutions for its clients and, more importantly, borrowers in underserved markets.

"By utilizing our historical underwriting library based on 40-plus years of business and turning every past decision into a data point, we are able to lessen the labor-intensive aspects of loan underwriting and alleviate manual tasks, which reduces the need for unnecessary and inconsistent information requests," said Pavan Agarwal, CEO of Sun West Mortgage. Agarwal further explained, "I believe everyone should have the opportunity to apply for a home loan without stress or concern. Oftentimes, other lenders will bypass borrowers with lower FICOS or nontraditional sources of income due to cost concerns. With Morgan™, we are able to streamline costs both for Sun West and the borrower, which allows us to continue focusing on approving loans for underserved communities." 

This announcement comes as Sun West continues to enhance its software platform based on Celligence™ Empathetic Technology Architecture. Morgan™ is an AI-based system that intelligently constructs the loan file and auto-performs the majority of approval functions, allowing unique loan conditions to be reviewed in under an hour.

As a minority-owned company, Sun West has a rich history in servicing underserved communities. Its mission to empower everyone regardless of income or past experience the ability to achieve the dream of homeownership has continually been its driving focus.

About Sun West Mortgage Company, Inc. (NMLS ID 3277)

At Sun West Mortgage Company, Inc., we dedicate ourselves to offering an amazing experience to our customers. To accomplish this, we empower our loan officers so that they can find great rates and provide the most fitting loan options for each customer — at amazing speed. Our focus on technology has given us an edge in the mortgage industry to offer exceptional turn times so the customers can get into the home of their dreams sooner.

We are committed to our core values of people, experience, technology, and product. Sun West was founded in 1980 with the perspective of "customers first" and the desire to make the mortgage process easy and stress-free for prospective homeowners. Since then, Sun West has been servicing a multibillion-dollar loan portfolio and is licensed in 48 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands. Our 42 years of experience has been passed down to everyone here at Sun West through excellent leadership and capabilities.

For licensing information, go to: Visit for the full list of license information. Please refer to to view Texas Complaint Notice and Servicing Disclosure. In all jurisdictions, the principal (main) licensed location of Sun West Mortgage Company, Inc. is 6131 Orangethorpe Avenue, Suite 500, Buena Park, CA 90620, Phone: (800) 453-7884.

Source: Sun West Mortgage Company