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)
6,837
+9.7% vs 2024Originations
$919.9M
+19.8% vs 2024Average loan
$134,545
256 lendersAverage interest rate
8.63%
Denial rate
39%
Home only share
52%
Loans originated by year in AL
Top manufactured home lenders in AL
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 | 1,274 | $160.1M | $125,644 | 10.11% | 46% | 73% |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC | 1,080 | $139.6M | $129,287 | 10.17% | 44% | 74% |
| 3 | TRIAD FINANCIAL SERVICES, INC. | 587 | $78.6M | $133,927 | 8.94% | 40% | 96% |
| 4 | FIRSTBANK | 301 | $28.5M | $94,668 | 9.25% | 53% | 89% |
| 5 | SOUTHWEST STAGE FUNDING LLC | 185 | $26.8M | $144,784 | 8.81% | 7% | 82% |
| 6 | United Wholesale Mortgage | 180 | $31.5M | $175,000 | 6.25% | 16% | 0% |
| 7 | ROCKET MORTGAGE | 172 | $24.1M | $140,407 | 6.66% | 41% | 0% |
| 8 | CSL Financial, LLC | 137 | $15.0M | $109,161 | 8.29% | 53% | 100% |
| 9 | LAND HOME FINANCIAL SERVICES, | 132 | $18.3M | $138,636 | 8.62% | 1% | 93% |
| 10 | River Bank & Trust | 114 | $6.9M | $60,789 | 10.06% | 8% | 79% |
| 11 | EvaBank | 109 | $8.2M | $75,183 | n/a | 19% | n/a |
| 12 | GUILD MORTGAGE COMPANY | 99 | $13.3M | $133,889 | 6.63% | 7% | 0% |
| 13 | CARDINAL FINANCIAL COMPANY, LI | 80 | $17.3M | $216,500 | 6.1% | 7% | 0% |
| 14 | MOVEMENT MORTGAGE, LLC | 72 | $9.7M | $135,278 | 6.97% | 6% | 0% |
| 15 | CROSSCOUNTRY MORTGAGE, LLC | 71 | $11.8M | $166,127 | 6.66% | 5% | 0% |
| 16 | Mortgage Research Center | 67 | $13.1M | $195,896 | 6.64% | 25% | 0% |
| 17 | NEW AMERICAN FUNDING, LLC. | 67 | $7.8M | $115,746 | 6.73% | 14% | 0% |
| 18 | Traditions Bank | 65 | $8.9M | $137,308 | n/a | 1% | n/a |
| 19 | STOCKTON MORTGAGE CORPORATION | 65 | $11.7M | $180,231 | 6.65% | 6% | 0% |
| 20 | The HomeTown Bank of Alabama | 59 | $6.8M | $115,169 | n/a | 27% | n/a |
| 21 | FAIRWAY INDEPENDENT MORT CORP | 51 | $7.4M | $144,608 | 6.61% | 11% | 0% |
| 22 | METRO BANK | 50 | $3.3M | $65,600 | n/a | 7% | n/a |
| 23 | Five Star Credit Union | 46 | $4.4M | $95,217 | n/a | 37% | n/a |
| 24 | American Financial Resources LLC | 45 | $7.9M | $175,889 | 6.34% | 14% | 0% |
| 25 | UNION HOME MORTGAGE CORP. | 45 | $8.1M | $180,778 | 6.75% | 6% | 0% |
| 26 | TROY BANK AND TRUST | 43 | $6.0M | $140,116 | 8.75% | 8% | 31% |
| 27 | CMG MORTGAGE INC | 37 | $5.6M | $150,405 | 6.4% | 12% | 0% |
| 28 | First Citizens Bank | 36 | $2.1M | $59,444 | n/a | 0% | n/a |
| 29 | LIBERTY BANK | 35 | $4.3M | $122,143 | n/a | 0% | n/a |
| 30 | loanDepot.com LLC | 32 | $3.5M | $108,438 | 7.14% | 47% | 6% |
| 31 | CANOPY MORTGAGE, LLC | 30 | $4.0M | $133,000 | 6.43% | 2% | 0% |
| 32 | Southwest Funding LP | 30 | $6.5M | $215,333 | 6.36% | 6% | 0% |
| 33 | HAMILTON MORTGAGE CORPORATION | 30 | $4.1M | $135,667 | 6.47% | 0% | 0% |
| 34 | Premier Bank of the South | 29 | $1.2M | $41,552 | n/a | 0% | n/a |
| 35 | First National Bank Of Hartford | 29 | $1.7M | $58,103 | n/a | 0% | n/a |
| 36 | TOWNE MORTGAGE COMPANY | 28 | $4.3M | $153,214 | 6.91% | 6% | 0% |
| 37 | PEOPLES MORTGAGE COMPANY | 27 | $2.5M | $93,519 | 5.95% | 3% | 0% |
| 38 | Zippy Loans, LLC | 27 | $1.2M | $44,630 | 10.37% | 24% | 100% |
| 39 | GUARANTEED RATE, INC. | 26 | $3.0M | $115,000 | 6.68% | 19% | 0% |
| 40 | FIRST NATIONAL BANK | 26 | $1.8M | $70,385 | 8.5% | 0% | 0% |
| 41 | CIS FINANCIAL SERVICES, INC. | 24 | $3.1M | $131,250 | 8.06% | 4% | 71% |
| 42 | Embrace Home Loans, Inc. | 23 | $3.1M | $133,261 | 6.77% | 8% | 0% |
| 43 | NEWREZ LLC | 23 | $4.4M | $189,348 | 6.44% | 27% | 0% |
| 44 | Navy Federal Credit Union | 21 | $3.2M | $153,095 | 7.02% | 35% | 0% |
| 45 | 1st Signature Lending, LLC | 21 | $4.5M | $213,571 | 5.82% | 8% | 0% |
| 46 | AMERISAVE MORTGAGE COMPANY | 21 | $2.0M | $95,952 | 6.8% | 73% | 0% |
| 47 | ASSURANCE FINANCIAL GROUP, L.L.C. | 21 | $2.6M | $122,619 | 6.24% | 18% | 0% |
| 48 | Central State Bank | 20 | $2.0M | $98,000 | n/a | 0% | n/a |
| 49 | Credit Human Federal Credit Un | 20 | $2.4M | $118,500 | 8.11% | 75% | 90% |
| 50 | FREEDOM MORTGAGE CORPORATION | 20 | $3.7M | $183,000 | 6.34% | 22% | 0% |
| 51 | PEOPLESTRUST BANK | 19 | $1.4M | $73,947 | n/a | 0% | n/a |
| 52 | PLANET HOME LENDING, LLC | 19 | $3.5M | $182,368 | 6.74% | 18% | 0% |
| 53 | First Jackson Bank, Inc | 19 | $1.2M | $61,316 | n/a | 5% | n/a |
| 54 | Alabama ONE Credit Union | 19 | $2.5M | $131,316 | 7.39% | 16% | 0% |
| 55 | HNB First Bank | 18 | $1.7M | $93,333 | n/a | 13% | n/a |
| 56 | PENNYMAC LOAN SERVICES LLC | 18 | $3.1M | $171,667 | 6.37% | 11% | 0% |
| 57 | Kind Lending, LLC | 18 | $3.1M | $175,000 | 6.88% | 41% | 0% |
| 58 | EVERETT FINANCIAL, INC. | 18 | $1.9M | $108,333 | 6.45% | 16% | 0% |
| 59 | Bank Independent | 17 | $1.8M | $108,529 | 7.73% | 44% | 0% |
| 60 | SUCCESS MORTGAGE PARTNERS, INC | 17 | $2.4M | $142,647 | 6.57% | 7% | 0% |
| 61 | Family Savings Credit Union | 16 | $2.7M | $170,000 | 6.33% | 0% | 0% |
| 62 | Brantley Bank and Trust Company | 16 | $2.1M | $134,375 | n/a | 9% | n/a |
| 63 | LEADERONE FINANCIAL CORP. | 16 | $2.6M | $164,375 | 7.15% | 15% | 0% |
| 64 | Village Capital & Investment | 15 | $3.2M | $211,667 | 6.02% | 11% | 0% |
| 65 | Peoples Bank of Alabama | 15 | $1.3M | $84,333 | n/a | 11% | n/a |
| 66 | CB&S Bank | 15 | $1.5M | $101,667 | 8.5% | 26% | 0% |
| 67 | First Metro Bank | 15 | $945,000 | $63,000 | n/a | 16% | n/a |
| 68 | First Bank of Alabama | 15 | $3.4M | $223,667 | n/a | 23% | n/a |
| 69 | THE SAMSON BANKING COMPANY, INC. | 14 | $740,000 | $52,857 | n/a | 6% | n/a |
| 70 | Citizens Bank & Trust, Inc. | 14 | $500,000 | $35,714 | n/a | 0% | n/a |
| 71 | Equity Prime Mortgage LLC | 14 | $2.5M | $176,429 | 6.49% | 6% | 0% |
| 72 | CCB Community Bank | 13 | $1.2M | $89,615 | n/a | 0% | n/a |
| 73 | Tammac Holdings Corporation | 13 | $1.2M | $95,769 | 10.39% | 79% | 100% |
| 74 | PEOPLES BANIK OF GREENSBORO | 13 | $525,000 | $40,385 | 7.25% | 0% | 38% |
| 75 | NATIONS LENDING CORPORATION | 13 | $2.0M | $154,231 | 6.55% | 33% | 0% |
| 76 | Premier Mortgage Resources, LLC | 12 | $1.6M | $137,500 | 6.74% | 0% | 0% |
| 77 | Bank of Dade | 12 | $830,000 | $69,167 | n/a | 8% | n/a |
| 78 | FIRST COMMUNITY MORTGAGE, INC. | 11 | $1.8M | $161,364 | 6.68% | 13% | 0% |
| 79 | PEOPLESSOUTH BANK | 11 | $605,000 | $55,000 | 7.74% | 13% | 0% |
| 80 | PNC BANK N.A. | 11 | $1.1M | $100,455 | 7.44% | 68% | 0% |
| 81 | GUARDIAN CREDIT UNION | 10 | $830,000 | $83,000 | 9.55% | 77% | 0% |
| 82 | ACOPIA, LLC | 10 | $1.2M | $123,000 | 6.45% | 13% | 0% |
| 83 | Milend, Inc | 10 | $1.9M | $185,000 | 6.72% | 21% | 0% |
| 84 | MAGNOLIA BANK | 10 | $1.8M | $184,000 | 6.81% | 29% | 0% |
| 85 | BankFirst Financial Services | 10 | $700,000 | $70,000 | 7.98% | 30% | 0% |
| 86 | UNITED BANK | 9 | $715,000 | $79,444 | n/a | 25% | n/a |
| 87 | Carrington Mortgage Services LLC | 9 | $1.4M | $150,556 | 6.44% | 33% | 0% |
| 88 | Marion Community Bank | 9 | $695,000 | $77,222 | n/a | 27% | n/a |
| 89 | GENWAY HOME MORTGAGE, INC. | 9 | $555,000 | $61,667 | 8.02% | 43% | 0% |
| 90 | Community Bank of Mississippi | 9 | $1.9M | $216,111 | 8.06% | 8% | 0% |
| 91 | Peoples Independent Bank | 9 | $3.1M | $341,667 | n/a | 25% | n/a |
| 92 | Emblem Credit Union | 8 | $670,000 | $83,750 | 7.44% | 38% | 0% |
| 93 | AuburnBank | 8 | $710,000 | $88,750 | n/a | 20% | n/a |
| 94 | BoxCar Mortgage, LLC | 8 | $1.4M | $171,250 | 6.76% | 8% | 0% |
| 95 | Cadence Bank | 8 | $1.5M | $190,000 | 7.22% | 36% | 0% |
| 96 | Mortgage Solutions of Colorado | 8 | $1.3M | $161,250 | 7.52% | 8% | 13% |
| 97 | Wolfe Financial Inc | 8 | $1.4M | $175,000 | 6.62% | 0% | 0% |
| 98 | UNITED COMMUNITY BANK | 8 | $960,000 | $120,000 | 6.38% | 8% | 0% |
| 99 | TJC MORTGAGE INC | 7 | $955,000 | $136,429 | 6.14% | 11% | 0% |
| 100 | ARK-LA-TEX FINANCIAL SERVICES LLC | 7 | $1.1M | $160,714 | 7.21% | 0% | 0% |
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.