Applications / Mortgage Analytics / Lenders / Arizona / Starboard Financial Management
Gilbert, AZ · Independent non-bank lender · CFPB · 249 loans in 2025
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249
loans originated, 2025
342
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Starboard Financial Management is a manufactured-home lender: a third of its loans finance them, against almost none at similar lenders, and its lending grew 15% in 2025.
Manufactured homes made up 33.7% of its loans, against 0.2% at similar lenders (independent non-bank lenders making between half and twice as many loans), higher than at almost all of them. Loans insured by the Federal Housing Administration (FHA) made up 20.9%, a little above peers' 17.4%.
Higher-priced loans, with a rate well above the average for similar loans, made up 10.2% of its lending, against 1.5% at peers. Its manufactured-home lending could account for most of that gap. Its denial rate on home-purchase applications, 1.4%, was lower than peers' 3.5%.
Its loans rose 15% to 249 while similar lenders were flat, faster than at about seven in ten of them. It was the first rise since 2020, when it made 1,602 loans. The data do not show why volume fell after that.
It has lent in Arizona since 2012. In Flagstaff it ranked 27 of 270 lenders, with 0.7% of the market; in Phoenix, its largest market, it ranked 172 of 879. A quarter of its loans, 24.5%, went to low- and moderate-income neighborhoods, more than at three in four similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Starboard Financial Management took 342 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.7% · Refinance 35.3%
Conventional 73.1% · FHA 20.9% · VA 5.2% · USDA (RHS or FSA) 0.8% · of 249 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 |
|---|---|---|
| Arizona | 200 | 80.3% |
| California | 37 | 14.9% |
| Utah | 6 | 2.4% |
| Idaho | 2 | 0.8% |
| Oregon | 2 | 0.8% |
| Texas | 1 | 0.4% |
| Washington | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Phoenix-Mesa-Chandler | 131 |
| Flagstaff | 28 |
| Prescott Valley-Prescott | 17 |
| San Diego-Chula Vista-Carlsbad | 10 |
| Riverside-San Bernardino-Ontario | 6 |
| Tucson | 5 |
| Sierra Vista-Douglas | 3 |
| Fresno | 2 |
| Oakland-Fremont-Berkeley | 2 |
| Sacramento-Roseville-Folsom | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300C4RD3C53QCM649 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4533298 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7830446200 |
Established 7 November 2005. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: Starboard Financial Management's data.
Starboard Financial Management's data
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Starboard Financial Management 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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