Applications / Mortgage Analytics / Lenders / Arizona / Southwest Stage Funding
Mesa, AZ · Independent non-bank lender · CFPB · 2,752 loans in 2025
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2,752
loans originated, 2025
11,701
applications, 2025
31
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Southwest Stage Funding is a manufactured-home lender: almost every one of its 2,752 loans in 2025 financed a manufactured home, mostly outside big cities, and its lending grew 23%.
Manufactured homes made up 97.9% of its loans, against 1.1% at similar lenders, meaning independent non-bank lenders making between half and twice as many loans. Nearly all its loans (99.9%) were purchases. Its typical loan was $165,000, against $315,000 at peers, smaller than at almost all of them.
Its largest markets are rural: the non-metro parts of Texas, Oklahoma, the Carolinas and Tennessee. It lent in 896 counties across 31 states. Its borrowers were often of modest means: 39.8% had low or moderate incomes, a higher share than at almost nine in ten peers.
Higher-priced loans, those with a rate well above the average for similar loans, were 62.4% of its lending, against 2.2% at peers; its typical rate was 7.90%, against 6.62%. It turned down 18.8% of home-purchase applications, against 4.2%. Its focus on manufactured homes could account for both gaps.
Originations rose 23%, about double peers' 11% and the market's 10%. Five years earlier, 56.9% of its loans were insured by the Federal Housing Administration; in 2025 that share was 23.0%, and conventional loans rose to 72.3%.
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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Southwest Stage Funding took 11,701 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 99.9% · Refinance 0.1%
Conventional 72.3% · FHA 23.0% · VA 4.7% · of 2,752 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 |
|---|---|---|
| Texas | 748 | 27.2% |
| South Carolina | 336 | 12.2% |
| Oklahoma | 211 | 7.7% |
| Florida | 197 | 7.2% |
| Alabama | 190 | 6.9% |
| North Carolina | 160 | 5.8% |
| Georgia | 135 | 4.9% |
| Tennessee | 135 | 4.9% |
| Mississippi | 107 | 3.9% |
| Arkansas | 88 | 3.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 75 |
| Austin-Round Rock-San Marcos | 58 |
| San Antonio-New Braunfels | 56 |
| Dallas-Plano-Irving | 39 |
| Greenville-Anderson-Greer | 37 |
| Oklahoma City | 37 |
| Tulsa | 37 |
| Longview | 32 |
| Charleston-North Charleston | 31 |
| Charlotte-Concord-Gastonia | 31 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300249G20MDIDRR27 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3876390 | 2010–2023 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3875390 | 2011–2011 |
| Respondent ID (the HMDA filer code before 2018) | 7522321476 | |
| Respondent ID (the HMDA filer code before 2018) | 71987400004 | 2006–2010 |
Established 22 May 2001. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Southwest Stage Funding's data.
Southwest Stage Funding's data
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Southwest Stage Funding and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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