Market insights
What the data says about manufactured home communities, lending and ownership.
2025 annual HMDA filings, loaded Nov 9, 2026. HMDA is published once a year.
Loans originated (2025)
198,110
+9.3% vs 2024Originations
$37.03B
+25.2% vs 2024Average loan
$186,928
2,832 lendersAverage interest rate
7.87%
Denial rate
37%
Home only share
33%
Loans originated by year
Top manufactured home lenders
Select a column heading to re-rank. Select a lender to analyze it. Originations are inferred as loans times average loan. Showing the 100 largest lenders.
| # | ||||||||
|---|---|---|---|---|---|---|---|---|
| 1 | 21ST MORTGAGE | 27,961 | $3.29B | $117,802 | 10.26% | 48% | 79% | 46 |
| 2 | TRIAD FINANCIAL SERVICES, INC. | 14,570 | $1.62B | $111,458 | 9.08% | 47% | 97% | 46 |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC | 11,977 | $1.59B | $132,795 | 10.14% | 43% | 69% | 35 |
| 4 | United Wholesale Mortgage | 10,611 | $2.66B | $250,227 | 6.27% | 15% | 0% | 46 |
| 5 | ROCKET MORTGAGE | 7,764 | $1.47B | $189,498 | 6.56% | 35% | 0% | 46 |
| 6 | GUILD MORTGAGE COMPANY | 3,714 | $786.3M | $211,710 | 6.61% | 7% | 0% | 44 |
| 7 | CROSSCOUNTRY MORTGAGE, LLC | 3,355 | $767.0M | $228,624 | 6.63% | 4% | 0% | 46 |
| 8 | Mortgage Research Center | 3,065 | $729.8M | $238,109 | 6.59% | 16% | 0% | 45 |
| 9 | SOUTHWEST STAGE FUNDING LLC | 2,693 | $481.3M | $178,721 | 8.04% | 10% | 63% | 31 |
| 10 | Zippy Loans, LLC | 2,547 | $114.6M | $45,000 | 8.88% | 36% | 100% | 20 |
| 11 | Credit Human Federal Credit Un | 2,320 | $257.9M | $111,142 | 8.49% | 71% | 93% | 40 |
| 12 | American Financial Resources LLC | 2,229 | $499.0M | $223,860 | 6.43% | 7% | 0% | 42 |
| 13 | NEW AMERICAN FUNDING, LLC. | 2,163 | $384.6M | $177,820 | 6.86% | 11% | 0% | 47 |
| 14 | FAIRWAY INDEPENDENT MORT CORP | 2,104 | $436.0M | $207,205 | 6.75% | 8% | 0% | 43 |
| 15 | NEWREZ LLC | 2,083 | $497.9M | $239,052 | 6.4% | 19% | 0% | 46 |
| 16 | MOVEMENT MORTGAGE, LLC | 1,647 | $332.5M | $201,873 | 6.94% | 4% | 0% | 38 |
| 17 | CMG MORTGAGE INC | 1,521 | $335.8M | $220,799 | 6.6% | 7% | 0% | 43 |
| 18 | CARDINAL FINANCIAL COMPANY, LI | 1,500 | $312.3M | $208,180 | 6.47% | 11% | 0% | 36 |
| 19 | UNION HOME MORTGAGE CORP. | 1,499 | $311.9M | $208,049 | 6.67% | 7% | 0% | 38 |
| 20 | loanDepot.com LLC | 1,438 | $255.0M | $177,309 | 6.88% | 35% | 2% | 47 |
| 21 | Equity Prime Mortgage LLC | 1,304 | $282.9M | $216,910 | 6.53% | 7% | 0% | 42 |
| 22 | American Pacific Mortgage Corporation | 1,263 | $297.5M | $235,570 | 6.9% | 11% | 0% | 39 |
| 23 | FREEDOM MORTGAGE CORPORATION | 1,207 | $265.6M | $220,079 | 6.26% | 18% | 0% | 42 |
| 24 | GUARANTEED RATE, INC. | 1,161 | $270.8M | $233,234 | 6.62% | 13% | 0% | 43 |
| 25 | FIRSTBANK | 1,121 | $154.0M | $137,382 | 8.87% | 59% | 74% | 10 |
| 26 | Navy Federal Credit Union | 1,068 | $203.3M | $190,375 | 6.92% | 35% | 0% | 42 |
| 27 | PENNYMAC LOAN SERVICES LLC | 963 | $238.4M | $247,513 | 6.31% | 16% | 0% | 45 |
| 28 | PLANET HOME LENDING, LLC | 877 | $183.3M | $209,036 | 6.54% | 17% | 0% | 41 |
| 29 | State Employees' Credit Union | 790 | $108.7M | $137,582 | 5.77% | 41% | 0% | 5 |
| 30 | 1st Signature Lending, LLC | 784 | $194.2M | $247,730 | 5.9% | 5% | 0% | 17 |
| 31 | Acre Mortgage & Financial, Inc. | 778 | $255.3M | $328,149 | 6.63% | 2% | 0% | 12 |
| 32 | Tammac Holdings Corporation | 774 | $68.3M | $88,178 | 9.97% | 74% | 100% | 18 |
| 33 | NATIONS LENDING CORPORATION | 716 | $144.5M | $201,788 | 6.43% | 13% | 0% | 37 |
| 34 | ATLANTIC BAY MORTGAGE GROUP | 702 | $120.2M | $171,225 | 6.88% | 3% | 0% | 9 |
| 35 | CSL Financial, LLC | 690 | $77.8M | $112,812 | 8.39% | 56% | 100% | 12 |
| 36 | AMERISAVE MORTGAGE COMPANY | 687 | $105.5M | $153,588 | 6.63% | 71% | 0% | 40 |
| 37 | Kind Lending, LLC | 657 | $155.0M | $235,989 | 6.75% | 31% | 0% | 36 |
| 38 | Village Capital & Investment | 651 | $166.6M | $255,906 | 6.06% | 18% | 0% | 40 |
| 39 | GREENSTATE CREDIT UNION | 617 | $40.2M | $65,178 | 8.8% | 47% | 93% | 6 |
| 40 | Carrington Mortgage Services LLC | 603 | $99.7M | $165,365 | 6.8% | 32% | 0% | 42 |
| 41 | EVERETT FINANCIAL, INC. | 599 | $103.9M | $173,497 | 6.66% | 9% | 0% | 31 |
| 42 | SOUTHSTATE BANK, NATIONAL ASSOCIATION | 583 | $78.1M | $133,902 | 7.37% | 37% | 60% | 10 |
| 43 | US BANK, N.A. | 562 | $84.5M | $150,409 | 7.08% | 64% | 0% | 33 |
| 44 | PRIMELENDING | 537 | $108.9M | $202,765 | 6.71% | 9% | 0% | 42 |
| 45 | STOCKTON MORTGAGE CORPORATION | 535 | $103.2M | $192,813 | 6.77% | 9% | 0% | 18 |
| 46 | PNC BANK N.A. | 527 | $204.5M | $387,979 | 6.63% | 42% | 0% | 33 |
| 47 | GENWAY HOME MORTGAGE, INC. | 525 | $36.4M | $69,362 | 8.35% | 25% | 0% | 34 |
| 48 | Mutual of Omaha Mortgage | 512 | $92.0M | $179,727 | 6.55% | 27% | 0% | 40 |
| 49 | AMERICAN FINANCIAL NETWORK, INC. | 497 | $110.8M | $222,867 | 6.93% | 10% | 0% | 34 |
| 50 | Eagle Community Credit Union | 480 | $76.5M | $159,396 | 9.52% | 1% | 100% | 1 |
| 51 | PARAMOUNT RESIDENTIAL MORTGAGE | 479 | $120.0M | $250,511 | 6.47% | 5% | 0% | 39 |
| 52 | LAND HOME FINANCIAL SERVICES, | 462 | $68.8M | $149,004 | 8.47% | 2% | 85% | 23 |
| 53 | PLAZA HOME MORTGAGE, INC | 458 | $82.9M | $181,092 | 6.92% | 31% | 0% | 36 |
| 54 | Click n' Close, Inc. | 450 | $81.4M | $180,800 | 7.43% | 9% | 0% | 33 |
| 55 | TOWNE MORTGAGE COMPANY | 449 | $85.0M | $189,321 | 6.75% | 7% | 0% | 28 |
| 56 | LOWER, LLC | 429 | $88.7M | $206,865 | 6.74% | 12% | 0% | 31 |
| 57 | FLAT BRANCH MORTGAGE, INC. | 415 | $74.4M | $179,386 | 6.76% | 2% | 0% | 16 |
| 58 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 408 | $120.0M | $294,216 | 6.71% | 1% | 0% | 11 |
| 59 | Community Trust Bank, Inc. | 405 | $49.8M | $123,074 | 6.64% | 18% | 0% | 6 |
| 60 | Performance Equity Partners, Inc. | 403 | $18.2M | $45,050 | 12.98% | 64% | 100% | 15 |
| 61 | T2 FINANCIAL LLC | 380 | $82.0M | $215,737 | 6.63% | 16% | 0% | 26 |
| 62 | Premier Mortgage Resources, LLC | 380 | $80.8M | $212,526 | 6.88% | 3% | 1% | 25 |
| 63 | Community Bank, N.A. | 375 | $45.9M | $122,520 | 7.42% | 18% | 0% | 3 |
| 64 | Mortgage Solutions of Colorado | 362 | $84.5M | $233,398 | 7.19% | 5% | 13% | 35 |
| 65 | NOVA Financial & Investment Corporation | 348 | $73.1M | $210,172 | 6.59% | 17% | 0% | 9 |
| 66 | ROGUE CREDIT UNION | 342 | $43.9M | $128,216 | 8.07% | 12% | 37% | 3 |
| 67 | CANOPY MORTGAGE, LLC | 326 | $74.1M | $227,423 | 6.59% | 3% | 0% | 25 |
| 68 | BANKWEST, INC. | 325 | $35.5M | $109,185 | 8.32% | 40% | 79% | 7 |
| 69 | COLUMBIA BANK | 322 | $68.2M | $211,832 | 7.48% | 32% | 0% | 6 |
| 70 | TRUIST BANK | 315 | $45.5M | $144,397 | 6.43% | 33% | 0% | 13 |
| 71 | SUN WEST MORTGAGE COMPANY, INC | 307 | $80.5M | $262,199 | 6.28% | 14% | 0% | 33 |
| 72 | CALCON MUTUAL MORTGAGE LLC | 299 | $71.3M | $238,378 | 6.46% | 23% | 1% | 25 |
| 73 | Truliant Federal Credit Union | 299 | $23.3M | $78,010 | 7.62% | 56% | 0% | 6 |
| 74 | COUNTRYPLACE MORTGAGE, LTD. | 296 | $49.5M | $167,399 | 7.5% | 51% | 75% | 14 |
| 75 | ARK-LA-TEX FINANCIAL SERVICES LLC | 296 | $59.3M | $200,372 | 6.65% | 5% | 0% | 29 |
| 76 | CORNERSTONE CAPITAL BANK, SSB | 296 | $68.0M | $229,865 | 6.77% | 1% | 0% | 23 |
| 77 | FIRST COMMUNITY MORTGAGE, INC. | 293 | $59.5M | $202,952 | 6.69% | 12% | 0% | 23 |
| 78 | DAS ACQUISITION COMPANY, LLC | 291 | $61.0M | $209,639 | 6.75% | 8% | 0% | 25 |
| 79 | WATERSTONE MORTGAGE CORPORATION | 284 | $46.5M | $163,803 | 6.9% | 10% | 0% | 23 |
| 80 | Ruoff Mortgage Company | 278 | $46.1M | $166,007 | 6.99% | 8% | 0% | 11 |
| 81 | KIAVI FUNDING, INC. | 274 | $48.1M | $175,547 | 10.18% | 16% | 0% | 26 |
| 82 | ARVEST BANK | 272 | $39.0M | $143,346 | 6.86% | 22% | 0% | 10 |
| 83 | PRIMIS BANK | 267 | $57.3M | $214,588 | 6.63% | 4% | 0% | 9 |
| 84 | SUMMIT FUNDING.INC | 266 | $61.9M | $232,519 | 6.73% | 8% | 0% | 16 |
| 85 | V.I.P. MORTGAGE, INC. | 262 | $62.9M | $239,885 | 6.67% | 6% | 0% | 19 |
| 86 | Gold Star Mortgage Financial Group, Corporation | 259 | $49.2M | $190,135 | 6.76% | 7% | 98% | 24 |
| 87 | GERSHMAN INVESTMENT CORP. | 257 | $52.9M | $205,661 | 6.38% | 6% | 0% | 10 |
| 88 | Community Bank of Mississippi | 257 | $22.2M | $86,556 | 9.64% | 12% | 12% | 3 |
| 89 | Synergy One Lending, Inc. | 254 | $62.9M | $247,598 | 6.76% | 12% | 0% | 25 |
| 90 | Primary Residential Mortgage, INC. | 253 | $47.2M | $186,542 | 6.89% | 12% | 0% | 30 |
| 91 | GREENWOOD CREDIT UNION | 251 | $20.2M | $80,458 | 8.88% | 7% | 100% | 19 |
| 92 | EASTMAN CREDIT UNION | 249 | $30.6M | $122,791 | 7.91% | 35% | 0% | 8 |
| 93 | Fifth Third Bank, National Association | 249 | $39.5M | $158,494 | 6.45% | 52% | 0% | 16 |
| 94 | GATEWAY FIRST BANK | 248 | $39.7M | $160,121 | 6.77% | 11% | 0% | 23 |
| 95 | BANCFIRST | 248 | $20.4M | $82,379 | 8.27% | 12% | 11% | 2 |
| 96 | Park Lane Finance SolutionsLLC | 247 | $14.9M | $60,425 | 11.16% | 40% | 100% | 12 |
| 97 | ALCOVA Mortgage, LLC | 247 | $46.2M | $186,903 | 6.89% | 5% | 0% | 11 |
| 98 | PHH Mortgage Corporation | 244 | $58.6M | $240,205 | 6.23% | 14% | 0% | 36 |
| 99 | GENEVA FINANCIAL LLC | 239 | $48.2M | $201,527 | 6.94% | 4% | 0% | 27 |
| 100 | SUCCESS MORTGAGE PARTNERS, INC | 238 | $45.9M | $192,899 | 6.76% | 4% | 0% | 22 |
Where the lending happens
Data source: Home Mortgage Disclosure Act (HMDA). Public data published by the FFIEC and CFPB, covering loans reported with a manufactured home construction method. The public data is released once a year, so the latest year shown is the most recent full year of filings. Only the largest lenders report quarterly, and those figures are not published by lender. HMDA covers lenders above reporting thresholds, so very small lenders may be missing. Average rate is across loans that reported a rate. Denial rate is denied applications divided by all applications. Home only loans are secured by the home without the land, which is typical in land lease communities. This is informational, not a recommendation of any lender.