Applications / Mortgage Analytics / Lenders / Arizona / SWH Funding
Phoenix, AZ · Non-bank or government lender · CFPB · 78 loans in 2025
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78
loans originated, 2025
79
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
SWH Funding, a Phoenix non-bank lender, makes almost nothing but home-purchase loans, many of them on manufactured homes and in poorer neighborhoods.
Purchases made up 98.7% of its loans, and every loan was conventional. Manufactured homes were 17.9% of its lending; the typical similar lender, a non-bank making between half and twice as many loans, made none. Its typical loan, $215,000, was half the $435,000 typical of its peers, lower than about nine in ten of the 49.
Of its loans, 46.2% were in low- and moderate-income neighborhoods, against 23.6% for its peers; that was higher than nearly nine in ten. Its share in majority-minority neighborhoods, 39.7%, was a little above the middle. Borrowers' incomes are not available to compare.
It made 223 loans in 2019 and 78 in 2025. Its loans fell 26% last year, while its peers fell 5%; more than four in five grew faster or shrank less. The figures do not show why.
All its lending is in Arizona, where it first reported in 2018. Phoenix is its largest market; it ranks 239 of 879 lenders there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. SWH Funding took 79 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 98.7% · Refinance 1.3%
Conventional 100.0% · of 78 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 | 78 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Phoenix-Mesa-Chandler | 70 |
| Prescott Valley-Prescott | 3 |
| Flagstaff | 1 |
| Sierra Vista-Douglas | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XO6U4LD9JWE008 | 2018–2025 |
Established 4 December 2015. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: SWH Funding's data.
SWH Funding's data
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SWH 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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