Applications / Mortgage Analytics / Lenders / Utah / Sunwest Bank
Sandy, UT · State non-member bank · FDIC · $4.1 billion assets · 76 loans in 2025
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76
loans originated, 2025
76
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sunwest Bank's small California home-lending book is almost entirely manufactured-home loans, and it is weighted more heavily than almost any similar lender's toward low- and moderate-income borrowers and majority-minority areas.
Manufactured homes made up 97.4% of its loans, against 2.6% for the typical peer, the highest share among similar lenders (state non-member banks making between half and twice as many loans). Purchases were 81.6% of its lending. Its typical loan of $155,000 was below the peers' $172,500, which fits that product.
Sunwest Bank made 52.7% of its loans to LMI (low- and moderate-income) borrowers, against 27.3%, higher than nearly all similar lenders; 35.5% were in LMI areas and 56.6% in majority-minority areas, against 6.6%. The year before looked much the same. Both may reflect who buys manufactured homes and where such homes sit.
With $4.1 billion in assets, it made 76 loans worth $13.1 million, lower than about three in four similar lenders by dollars. Home lending may be a specialist line beside its other business rather than a retail mortgage operation.
Originations fell 26% from 103, among the lowest tenth of similar lenders, whose typical count rose 9%, while the whole market rose 10%. It bought no loans, after buying 15 the year before, which could explain part of the drop. It filed no reports for 2018 to 2022, a gap in the record rather than years without lending.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Sunwest Bank took 76 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.6% · Refinance 18.4%
Conventional 100.0% · of 76 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 76 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Diego-Chula Vista-Carlsbad | 40 |
| Los Angeles-Long Beach-Glendale | 6 |
| Riverside-San Bernardino-Ontario | 5 |
| San Jose-Sunnyvale-Santa Clara | 5 |
| Anaheim-Santa Ana-Irvine | 3 |
| Sacramento-Roseville-Folsom | 3 |
| San Rafael | 3 |
| Vallejo | 3 |
| Napa | 2 |
| Oakland-Fremont-Berkeley | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KRZPD4CJ340L77 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 140362 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 320164 | 1990–2016 |
Established 9 April 1970. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Sunwest Bank's data.
Sunwest Bank's data
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