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)
8,093
+7.9% vs 2024Originations
$1.81B
+19.4% vs 2024Average loan
$223,315
251 lendersAverage interest rate
7.16%
Denial rate
25%
Home only share
15%
Loans originated by year in AZ
Top manufactured home lenders in AZ
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 | United Wholesale Mortgage | 1,018 | $269.5M | $264,735 | 6.24% | 14% | 0% |
| 2 | 21ST MORTGAGE | 488 | $60.7M | $124,406 | 10.07% | 42% | 83% |
| 3 | ROCKET MORTGAGE | 420 | $90.7M | $215,833 | 6.47% | 29% | 0% |
| 4 | GUILD MORTGAGE COMPANY | 351 | $72.7M | $207,080 | 6.62% | 5% | 0% |
| 5 | CROSSCOUNTRY MORTGAGE, LLC | 338 | $72.5M | $214,467 | 6.56% | 3% | 0% |
| 6 | Credit Human Federal Credit Un | 321 | $31.1M | $96,745 | 8.47% | 36% | 75% |
| 7 | TRIAD FINANCIAL SERVICES, INC. | 314 | $29.4M | $93,567 | 8.94% | 41% | 99% |
| 8 | FAIRWAY INDEPENDENT MORT CORP | 303 | $64.8M | $213,878 | 6.79% | 7% | 0% |
| 9 | NOVA Financial & Investment Corporation | 266 | $56.2M | $211,128 | 6.6% | 18% | 0% |
| 10 | NEW AMERICAN FUNDING, LLC. | 187 | $32.8M | $175,535 | 6.78% | 7% | 0% |
| 11 | Mortgage Research Center | 165 | $41.1M | $249,061 | 6.5% | 13% | 0% |
| 12 | VANDERBILT MORTGAGE AND FINANCE, INC | 158 | $41.3M | $261,203 | 9.89% | 36% | 68% |
| 13 | American Pacific Mortgage Corporation | 145 | $34.2M | $235,552 | 6.94% | 8% | 0% |
| 14 | Desert Financial Credit Union | 142 | $13.0M | $91,549 | 6.6% | 43% | 0% |
| 15 | NEWREZ LLC | 133 | $33.5M | $251,992 | 6.28% | 20% | 0% |
| 16 | GUARANTEED RATE, INC. | 122 | $33.2M | $272,131 | 6.76% | 13% | 0% |
| 17 | V.I.P. MORTGAGE, INC. | 121 | $30.8M | $254,174 | 6.75% | 7% | 0% |
| 18 | American Financial Resources LLC | 107 | $26.0M | $243,131 | 6.47% | 4% | 0% |
| 19 | Equity Prime Mortgage LLC | 101 | $25.9M | $256,683 | 6.67% | 6% | 0% |
| 20 | loanDepot.com LLC | 97 | $18.3M | $188,299 | 6.98% | 29% | 2% |
| 21 | ZIONS BANCORPORATION, N.A. | 93 | $10.0M | $107,796 | 8.02% | 40% | 0% |
| 22 | CMG MORTGAGE INC | 72 | $17.8M | $246,806 | 6.79% | 1% | 0% |
| 23 | NATIONS LENDING CORPORATION | 71 | $14.6M | $206,127 | 6.58% | 7% | 0% |
| 24 | Unison Bank | 69 | $7.1M | $103,261 | n/a | 25% | n/a |
| 25 | FREEDOM MORTGAGE CORPORATION | 65 | $14.4M | $221,462 | 6.26% | 14% | 0% |
| 26 | AMERICAN FINANCIAL NETWORK, INC. | 60 | $14.2M | $236,000 | 6.95% | 14% | 0% |
| 27 | Navy Federal Credit Union | 60 | $10.6M | $177,167 | 6.8% | 36% | 0% |
| 28 | MOVEMENT MORTGAGE, LLC | 54 | $10.3M | $190,370 | 7.1% | 7% | 0% |
| 29 | Starboard Financial Management, LLC | 53 | $15.3M | $288,774 | 7.18% | 0% | 0% |
| 30 | PEOPLES MORTGAGE COMPANY | 51 | $11.5M | $225,392 | 6.87% | 0% | 0% |
| 31 | GENEVA FINANCIAL LLC | 50 | $10.6M | $212,200 | 7.09% | 9% | 0% |
| 32 | PENNYMAC LOAN SERVICES LLC | 50 | $13.8M | $275,800 | 6.29% | 17% | 0% |
| 33 | AMERICA FIRST FEDERAL CREDIT UNION | 50 | $4.7M | $94,000 | 7.06% | 35% | 0% |
| 34 | EFINITY FINANCIAL LLC | 50 | $12.1M | $241,600 | 6.58% | 10% | 0% |
| 35 | Click n' Close, Inc. | 48 | $8.6M | $179,792 | 7.65% | 11% | 0% |
| 36 | UNION HOME MORTGAGE CORP. | 46 | $10.8M | $235,870 | 6.57% | 6% | 0% |
| 37 | CARDINAL FINANCIAL COMPANY, LI | 44 | $9.4M | $214,773 | 6.8% | 11% | 0% |
| 38 | ALTITUDE FINANCIAL CORPORATION | 43 | $9.2M | $215,000 | 6.81% | 6% | 0% |
| 39 | GENWAY HOME MORTGAGE, INC. | 42 | $2.6M | $62,619 | 7.96% | 23% | 0% |
| 40 | Gardner Financial Services | 41 | $10.3M | $251,585 | 6.89% | 3% | 0% |
| 41 | Mutual of Omaha Mortgage | 40 | $7.5M | $188,750 | 6.5% | 24% | 0% |
| 42 | GREENWOOD CREDIT UNION | 40 | $3.0M | $74,750 | 8.65% | 2% | 100% |
| 43 | PARAMOUNT RESIDENTIAL MORTGAGE | 37 | $10.5M | $283,919 | 6.55% | 7% | 0% |
| 44 | SECURITYNATIONAL MORTGAGE COMPANY | 36 | $8.3M | $230,000 | 7.6% | 16% | 0% |
| 45 | Alliant Credit Union | 35 | $3.9M | $112,143 | 9.02% | 21% | 0% |
| 46 | US BANK, N.A. | 34 | $4.8M | $140,000 | 7.34% | 67% | 0% |
| 47 | SUN WEST MORTGAGE COMPANY, INC | 34 | $9.2M | $271,471 | 6.46% | 12% | 0% |
| 48 | Village Capital & Investment | 34 | $9.3M | $273,235 | 6.04% | 22% | 0% |
| 49 | Kind Lending, LLC | 34 | $9.3M | $272,647 | 6.68% | 25% | 0% |
| 50 | PRIMELENDING | 33 | $6.9M | $209,848 | 6.8% | 4% | 0% |
| 51 | BMO Harris Bank NA | 33 | $3.8M | $115,606 | 8.99% | 51% | 0% |
| 52 | Carrington Mortgage Services LLC | 32 | $6.4M | $200,625 | 6.48% | 37% | 0% |
| 53 | Zippy Loans, LLC | 32 | $1.8M | $55,938 | 9.54% | 41% | 100% |
| 54 | AMERISAVE MORTGAGE COMPANY | 31 | $5.4M | $173,065 | 6.59% | 68% | 0% |
| 55 | KIAVI FUNDING, INC. | 30 | $5.1M | $170,333 | 10.95% | 5% | 0% |
| 56 | PHH Mortgage Corporation | 29 | $7.6M | $262,241 | 6.23% | 13% | 0% |
| 57 | MOUNTAIN AMERICA FEDERAL CREDIT UNION | 29 | $4.3M | $148,793 | 6.79% | 64% | 0% |
| 58 | PLAZA HOME MORTGAGE, INC | 28 | $5.7M | $203,214 | 6.81% | 30% | 0% |
| 59 | PROSPERITY HOME MORTGAGE, LLC | 25 | $6.0M | $241,400 | 6.52% | 21% | 0% |
| 60 | PLANET HOME LENDING, LLC | 24 | $5.0M | $207,917 | 6.11% | 24% | 0% |
| 61 | ONEAZ CREDIT UNION | 24 | $5.7M | $237,917 | 6.61% | 9% | 0% |
| 62 | GUARANTEED RATE AFFINITY, LLC | 24 | $5.9M | $246,250 | 6.86% | 9% | 0% |
| 63 | FINANCE OF AMERICA REVERSE LLC | 24 | $3.4M | $141,667 | 6.19% | 3% | 0% |
| 64 | Sierra Pacific Mortgage Co. Inc | 23 | $5.7M | $248,913 | 6.61% | 8% | 0% |
| 65 | MortgageOne, Inc | 22 | $3.4M | $152,273 | 6.88% | 0% | 0% |
| 66 | BoxCar Mortgage, LLC | 21 | $3.7M | $175,476 | 6.74% | 8% | 0% |
| 67 | Old Second National Bank | 20 | $1.9M | $95,000 | n/a | 21% | n/a |
| 68 | SOUTHWEST STAGE FUNDING LLC | 20 | $5.6M | $279,000 | 6.3% | 26% | 5% |
| 69 | ARK-LA-TEX FINANCIAL SERVICES LLC | 19 | $5.1M | $268,684 | 6.86% | 14% | 0% |
| 70 | LONGBRIDGE FINANCIAL, LLC | 19 | $2.2M | $115,526 | 5.95% | 15% | 0% |
| 71 | T2 FINANCIAL LLC | 19 | $3.7M | $193,421 | 6.58% | 11% | 0% |
| 72 | Synergy One Lending, Inc. | 17 | $4.1M | $240,882 | 6.65% | 17% | 0% |
| 73 | SUN AMERICAN MORTGAGE COMPANY | 17 | $3.4M | $202,059 | 6.54% | 9% | 0% |
| 74 | A&D MORTGAGE LLC | 17 | $3.6M | $212,059 | 7.88% | 9% | 100% |
| 75 | PNC BANK N.A. | 17 | $93.2M | $5,481,471 | 7.52% | 33% | 6% |
| 76 | Glacier Bank | 17 | $17.0M | $999,706 | 6.94% | 37% | 0% |
| 77 | Mason-McDuffie Mortgage Corporation | 16 | $2.7M | $171,250 | 6.73% | 14% | 0% |
| 78 | FIRST NATIONAL BANK OF AMERICA | 14 | $1.9M | $135,714 | 10.08% | 26% | 0% |
| 79 | CANOPY MORTGAGE, LLC | 14 | $4.3M | $310,714 | 6.61% | 3% | 0% |
| 80 | SWH Funding LLC | 14 | $2.0M | $141,429 | 14.14% | 0% | 7% |
| 81 | HOMEOWNERS FINANCIAL GROUP, LLC | 14 | $4.1M | $290,000 | 6.96% | 5% | 0% |
| 82 | The Loan Store, Inc | 14 | $4.1M | $291,429 | 6.46% | 21% | 0% |
| 83 | AMERICAN SOUTHWEST CREDIT UNION | 13 | $1.1M | $83,462 | 7.3% | 13% | 0% |
| 84 | WATERSTONE MORTGAGE CORPORATION | 13 | $3.5M | $272,692 | 6.76% | 10% | 0% |
| 85 | Resicentral LLC | 12 | $3.2M | $263,333 | 6.4% | 0% | 0% |
| 86 | Evergreen Bank Group | 12 | $1.1M | $91,667 | n/a | 29% | n/a |
| 87 | Lakeview Loan Servicing, LLC | 12 | $3.1M | $259,167 | 5.88% | 22% | 0% |
| 88 | Credit Union West | 12 | $1.8M | $151,667 | 7.43% | 21% | 0% |
| 89 | RESIDENTIAL WHOLESALE MORTGAGE | 12 | $2.3M | $188,333 | 6.63% | 6% | 100% |
| 90 | AdvantageFirst Lending Inc | 12 | $2.8M | $234,167 | 6.58% | 19% | 0% |
| 91 | Arizona Financial Credit Union | 12 | $2.1M | $173,333 | 6.85% | 5% | 0% |
| 92 | BANK OF COLORADO | 11 | $3.9M | $354,091 | 6.58% | 0% | 0% |
| 93 | ClearPath Lending | 11 | $2.6M | $236,818 | 5.74% | 0% | 0% |
| 94 | Bell Bank | 11 | $10.0M | $906,818 | 6.69% | 17% | 0% |
| 95 | American Neighborhood Mortgage Acceptance Company | 11 | $2.3M | $205,000 | 6.84% | 0% | 0% |
| 96 | Cornerstone First Mortgage, LLC | 11 | $3.2M | $294,091 | 6.6% | 0% | 0% |
| 97 | ENVOY MORTGAGE, LTD | 10 | $2.5M | $252,000 | 7.13% | 24% | 0% |
| 98 | Gold Star Mortgage Financial Group, Corporation | 10 | $2.1M | $208,000 | 7.11% | 0% | 100% |
| 99 | AMERICAN FINANCING CORPORATION | 10 | $2.1M | $209,000 | 6.2% | 67% | 0% |
| 100 | Plains Commerce Bank | 10 | $2.4M | $241,000 | 6.24% | 23% | 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.