Applications / Mortgage Analytics / Lenders / Arizona / Sun American Mortgage Company
Mesa, AZ · Independent non-bank lender · CFPB · 697 loans in 2025
Sun American Mortgage Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
697
loans originated, 2025
1,028
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sun American Mortgage Company is based in Mesa, Arizona, but lends more in Utah than in any other state, where it is among the ten largest lenders around St. George.
Around St. George it ranks ninth of 261 lenders, with 3.4% of the market; it has lent there since 2005. Its share fell from 4.3% in 2024. Its total loans fell 6% in the year, which may account for part of that, and Guild Mortgage Company, the market's leader, is one of several larger rivals it competes with.
Utah is its main state, and it lends in six states and 36 counties. Phoenix, where it first reported in 1993, is now a small market for it: it ranks 155th of 879 lenders there. It is growing in Las Cruces, New Mexico, where its share rose to 1.3%, placing it 14th of 231.
Loans guaranteed by the Department of Veterans Affairs (VA) make up 8.5% of its lending, against 5.7% at similar lenders (independent non-bank lenders making between half and twice as many loans). Manufactured homes account for 4.3%, a higher share than about nine in ten of its peers, whose typical share is 0.3%.
Just 0.3% of its loans were higher-priced (a rate well above the average for similar loans), against 1.6% at the typical peer. It denied 1.8% of first-lien refinance applications on owner-occupied homes, lower than more than four in five similar lenders, whose typical rate was 6.7%. Its 697 loans in 2025 left it near the middle of its peers by count.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Sun American Mortgage Company took 1,028 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.5% · Refinance 24.5%
Conventional 65.0% · FHA 25.0% · VA 8.5% · USDA (RHS or FSA) 1.6% · of 697 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 |
|---|---|---|
| Utah | 358 | 51.4% |
| Arizona | 258 | 37.0% |
| New Mexico | 61 | 8.8% |
| Nevada | 17 | 2.4% |
| Texas | 2 | 0.3% |
| California | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. George | 251 |
| Phoenix-Mesa-Chandler | 154 |
| Las Cruces | 53 |
| Lake Havasu City-Kingman | 38 |
| Provo-Orem-Lehi | 26 |
| Salt Lake City-Murray | 22 |
| Las Vegas-Henderson-North Las Vegas | 17 |
| Prescott Valley-Prescott | 8 |
| Ogden | 7 |
| Flagstaff | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300S7EJRY2DY1UR88 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3876411 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7219309999 | 1993–2017 |
Established 30 July 1984. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Sun American Mortgage Company's data.
Sun American Mortgage Company's data
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Sun American Mortgage Company 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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