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)
3,325
+8.8% vs 2024Originations
$435.6M
+13.2% vs 2024Average loan
$130,994
189 lendersAverage interest rate
8.34%
Denial rate
41%
Home only share
41%
Loans originated by year in AR
Top manufactured home lenders in AR
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 | 629 | $71.8M | $114,189 | 9.99% | 47% | 78% |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC | 419 | $48.8M | $116,504 | 10.23% | 38% | 64% |
| 3 | TRIAD FINANCIAL SERVICES, INC. | 235 | $26.1M | $111,255 | 9.19% | 54% | 96% |
| 4 | ROCKET MORTGAGE | 107 | $14.7M | $137,710 | 6.75% | 41% | 0% |
| 5 | ARVEST BANK | 98 | $13.7M | $139,490 | 6.99% | 21% | 0% |
| 6 | FAIRWAY INDEPENDENT MORT CORP | 91 | $11.3M | $123,901 | 6.56% | 8% | 0% |
| 7 | SOUTHWEST STAGE FUNDING LLC | 84 | $12.6M | $149,524 | 8.15% | 11% | 68% |
| 8 | First Community Bank | 82 | $10.8M | $131,341 | 7.95% | 9% | 3% |
| 9 | FirstTrust Home Loans | 71 | $10.0M | $140,915 | 6.45% | 1% | 0% |
| 10 | SOUTHERN BANCORP BANK | 71 | $6.0M | $84,155 | 7.82% | 10% | 27% |
| 11 | ARKANSAS FEDERAL CREDIT UNION | 58 | $8.5M | $146,034 | 6.41% | 26% | 0% |
| 12 | LAND HOME FINANCIAL SERVICES, | 55 | $6.6M | $119,909 | 8.67% | 0% | 100% |
| 13 | Mortgage Research Center | 44 | $8.8M | $200,682 | 6.69% | 17% | 0% |
| 14 | United Wholesale Mortgage | 43 | $8.0M | $185,465 | 6.18% | 16% | 0% |
| 15 | American Financial Resources LLC | 37 | $6.3M | $169,054 | 6.48% | 2% | 0% |
| 16 | FLAT BRANCH MORTGAGE, INC. | 36 | $5.7M | $157,778 | 6.56% | 0% | 0% |
| 17 | HORATIO STATE BANK | 36 | $2.5M | $70,278 | n/a | 2% | n/a |
| 18 | UNION BANK | 36 | $3.3M | $92,778 | n/a | 0% | n/a |
| 19 | The Farmers & Merchants Bank | 36 | $3.2M | $87,778 | 8.47% | 29% | 11% |
| 20 | Credit Human Federal Credit Un | 30 | $2.9M | $98,000 | 8.09% | 86% | 100% |
| 21 | Eagle Bank and Trust Company | 29 | $3.8M | $129,483 | 6.67% | 18% | 0% |
| 22 | CS Bank | 29 | $3.7M | $127,414 | n/a | 3% | n/a |
| 23 | CSL Financial, LLC | 27 | $2.3M | $85,370 | 8.71% | 52% | 100% |
| 24 | NEW AMERICAN FUNDING, LLC. | 26 | $3.5M | $135,769 | 7.1% | 18% | 0% |
| 25 | ANSTAFF BANK | 25 | $2.3M | $92,600 | n/a | 14% | n/a |
| 26 | Southern Bank | 23 | $2.5M | $108,478 | 7.58% | 3% | 0% |
| 27 | CROSSCOUNTRY MORTGAGE, LLC | 23 | $3.8M | $163,261 | 6.7% | 1% | 0% |
| 28 | Bank of 1889 | 20 | $1.8M | $90,500 | n/a | 8% | n/a |
| 29 | Highlands Residential Mortgage, Ltd. | 20 | $2.6M | $132,000 | 6.77% | 4% | 0% |
| 30 | Commercial Capital Bank | 19 | $1.3M | $66,579 | n/a | 0% | n/a |
| 31 | DIAMOND BANK | 19 | $1.4M | $75,526 | n/a | 19% | n/a |
| 32 | Centennial Bank | 18 | $2.4M | $130,556 | 6.72% | 42% | 0% |
| 33 | Click n' Close, Inc. | 18 | $3.1M | $174,444 | 6.58% | 3% | 0% |
| 34 | Equity Prime Mortgage LLC | 18 | $2.6M | $146,111 | 6.52% | 0% | 0% |
| 35 | Navy Federal Credit Union | 17 | $2.6M | $152,647 | 6.99% | 33% | 0% |
| 36 | Eustis Mortgage Corp | 17 | $2.9M | $169,706 | 6.56% | 0% | 0% |
| 37 | CONNECT BANK | 16 | $890,000 | $55,625 | n/a | 18% | n/a |
| 38 | GERSHMAN INVESTMENT CORP. | 15 | $4.8M | $319,667 | 6.15% | 10% | 0% |
| 39 | PEOPLES BANK | 15 | $2.6M | $172,333 | n/a | 12% | n/a |
| 40 | FNBC Bank | 14 | $790,000 | $56,429 | n/a | 6% | n/a |
| 41 | Focus Bank | 14 | $760,000 | $54,286 | n/a | 25% | n/a |
| 42 | CORNERSTONE CAPITAL BANK, SSB | 13 | $2.9M | $220,385 | 7.46% | 0% | 0% |
| 43 | GUILD MORTGAGE COMPANY | 13 | $2.1M | $158,846 | 6.65% | 32% | 0% |
| 44 | FARMERS BANK & TRUST | 13 | $1.3M | $101,154 | 8.69% | 12% | 0% |
| 45 | CMG MORTGAGE INC | 13 | $1.0M | $79,615 | 6.3% | 0% | 0% |
| 46 | DAS ACQUISITION COMPANY, LLC | 13 | $1.5M | $114,231 | 6.63% | 6% | 0% |
| 47 | US BANK, N.A. | 12 | $1.7M | $140,000 | 6.8% | 67% | 0% |
| 48 | NEWREZ LLC | 12 | $2.7M | $221,667 | 6.13% | 22% | 0% |
| 49 | Primary Residential Mortgage, INC. | 11 | $1.4M | $127,727 | 7.32% | 0% | 0% |
| 50 | FREEDOM MORTGAGE CORPORATION | 11 | $2.0M | $177,727 | 6.1% | 23% | 0% |
| 51 | Chambers Bank | 11 | $1.3M | $119,545 | n/a | 43% | n/a |
| 52 | CARDINAL FINANCIAL COMPANY, LI | 10 | $2.4M | $237,000 | 6.4% | 18% | 0% |
| 53 | Stone Bank | 10 | $820,000 | $82,000 | n/a | 0% | n/a |
| 54 | Citizens Bank & Trust Company | 10 | $870,000 | $87,000 | n/a | 17% | n/a |
| 55 | NATIONS LENDING CORPORATION | 10 | $1.7M | $170,000 | 6.24% | 13% | 0% |
| 56 | SENTE MORTGAGE, INC. | 9 | $1.3M | $145,000 | 6.64% | 0% | 0% |
| 57 | FIRST NATIONAL BANK | 9 | $915,000 | $101,667 | 7.87% | 7% | 11% |
| 58 | UNION HOME MORTGAGE CORP. | 9 | $1.4M | $160,556 | 6.5% | 6% | 0% |
| 59 | Equity Bank | 9 | $735,000 | $81,667 | 7.98% | 10% | 0% |
| 60 | BANK OZK | 9 | $725,000 | $80,556 | 7.02% | 83% | 0% |
| 61 | PENNYMAC LOAN SERVICES LLC | 9 | $1.5M | $163,889 | 6.15% | 12% | 0% |
| 62 | Generations Bank | 8 | $1.2M | $147,500 | 8.37% | 17% | 14% |
| 63 | Bodcaw Bank | 8 | $860,000 | $107,500 | n/a | 18% | n/a |
| 64 | United Federal Credit Union | 8 | $640,000 | $80,000 | 6.77% | 23% | 0% |
| 65 | Farmers Bank | 8 | $1.1M | $131,250 | n/a | 36% | n/a |
| 66 | Mortgage Solutions of Colorado | 8 | $1.5M | $190,000 | 7.19% | 0% | 0% |
| 67 | loanDepot.com LLC | 8 | $900,000 | $112,500 | 6.64% | 60% | 0% |
| 68 | ResMac Inc | 8 | $1.6M | $193,750 | 6.38% | 0% | n/a |
| 69 | First Financial Bank | 8 | $450,000 | $56,250 | 8.66% | 0% | 50% |
| 70 | SIMMONS BANK | 7 | $545,000 | $77,857 | 9.59% | 63% | 0% |
| 71 | Village Capital & Investment | 7 | $1.1M | $157,857 | 6.32% | 33% | 0% |
| 72 | Firstar Bank | 7 | $945,000 | $135,000 | 6.38% | 0% | 0% |
| 73 | STOCKTON MORTGAGE CORPORATION | 7 | $1.1M | $162,143 | 6.82% | 17% | 0% |
| 74 | Cotton Belt Federal Credit Union | 7 | $405,000 | $57,857 | 7.11% | 8% | 14% |
| 75 | GATEWAY FIRST BANK | 6 | $1.3M | $220,000 | 6.6% | 0% | 0% |
| 76 | Cadence Bank | 6 | $490,000 | $81,667 | 7.07% | 23% | 0% |
| 77 | Kind Lending, LLC | 6 | $610,000 | $101,667 | 7.17% | 54% | 0% |
| 78 | First Security Bank | 6 | $520,000 | $86,667 | 7.25% | 0% | 0% |
| 79 | THE CITIZENS BANK | 6 | $850,000 | $141,667 | 8.75% | 33% | 0% |
| 80 | Diamond Lakes Federal Credit Union | 6 | $500,000 | $83,333 | 8.08% | 0% | 0% |
| 81 | AMERISAVE MORTGAGE COMPANY | 6 | $680,000 | $113,333 | 6.77% | 79% | 0% |
| 82 | Better Mortgage Corporation | 6 | $1.1M | $180,000 | 6.69% | 36% | 0% |
| 83 | Red River Employees Federal Credit Union | 5 | $435,000 | $87,000 | n/a | 38% | n/a |
| 84 | FIRST NATIONAL BANK OF COMMERCE | 5 | $375,000 | $75,000 | n/a | 45% | n/a |
| 85 | Relyance Bank | 5 | $185,000 | $37,000 | n/a | 25% | n/a |
| 86 | First Service Bank | 5 | $255,000 | $51,000 | n/a | 42% | n/a |
| 87 | Park Lane Finance SolutionsLLC | 5 | $205,000 | $41,000 | 11.89% | 29% | 100% |
| 88 | First National Bank of Fort Smith | 5 | $395,000 | $79,000 | 7.17% | 20% | 0% |
| 89 | Barksdale Federal Credit Union | 5 | $495,000 | $99,000 | 7.2% | 14% | 60% |
| 90 | ASSOCIATED MORTGAGE CORPORATION | 5 | $795,000 | $159,000 | 6.73% | 0% | 0% |
| 91 | Armor Bank | 5 | $1.5M | $303,000 | n/a | 17% | n/a |
| 92 | Mutual of Omaha Mortgage | 4 | $1.2M | $300,000 | 6.69% | 13% | 0% |
| 93 | Carrington Mortgage Services LLC | 4 | $680,000 | $170,000 | 6.19% | 25% | 0% |
| 94 | Mortgage Financial Services | 4 | $520,000 | $130,000 | 7.19% | 0% | 0% |
| 95 | PHH Mortgage Corporation | 4 | $750,000 | $187,500 | 6.22% | 17% | 0% |
| 96 | PLANET HOME LENDING, LLC | 4 | $350,000 | $87,500 | 7.63% | 25% | 0% |
| 97 | THE CENTRAL TRUST BANK | 4 | $620,000 | $155,000 | 7.28% | 0% | 0% |
| 98 | Priority Bank | 4 | $290,000 | $72,500 | 8.56% | 0% | 0% |
| 99 | FIRST HORIZON BANK | 4 | $500,000 | $125,000 | 7.51% | 25% | 0% |
| 100 | BAXTER CREDIT UNION | 4 | $280,000 | $70,000 | 8.06% | 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.