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)
9,318
+11.0% vs 2024Originations
$2.96B
+31.7% vs 2024Average loan
$317,748
289 lendersAverage interest rate
7.87%
Denial rate
29%
Home only share
47%
Loans originated by year in CA
Top manufactured home lenders in CA
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 | TRIAD FINANCIAL SERVICES, INC. | 1,644 | $272.6M | $165,797 | 8.92% | 31% | 100% |
| 2 | 21ST MORTGAGE | 1,262 | $196.6M | $155,784 | 10.19% | 37% | 97% |
| 3 | United Wholesale Mortgage | 904 | $316.5M | $350,155 | 6.28% | 16% | 0% |
| 4 | Eagle Community Credit Union | 480 | $76.5M | $159,396 | 9.52% | 1% | 100% |
| 5 | Credit Human Federal Credit Un | 453 | $64.6M | $142,660 | 8.74% | 45% | 97% |
| 6 | ROCKET MORTGAGE | 318 | $100.6M | $316,289 | 6.45% | 36% | 0% |
| 7 | Sonoma Federal Credit Union | 143 | $18.0M | $125,629 | n/a | 43% | n/a |
| 8 | 549300U4NMMQ8OEM3D10 | 126 | $32.8M | $260,159 | n/a | 7% | n/a |
| 9 | CROSSCOUNTRY MORTGAGE, LLC | 124 | $40.9M | $329,919 | 6.69% | 2% | 6% |
| 10 | NEWREZ LLC | 113 | $37.9M | $335,354 | 6.34% | 18% | 0% |
| 11 | OCMBC, INC. | 103 | $31.8M | $309,078 | 6.62% | 8% | 2% |
| 12 | MURPHY BANK | 95 | $21.1M | $222,263 | 7.96% | 17% | n/a |
| 13 | Mortgage Research Center | 92 | $32.7M | $355,652 | 6.42% | 16% | 0% |
| 14 | FAIRWAY INDEPENDENT MORT CORP | 92 | $24.2M | $262,826 | 6.63% | 3% | 0% |
| 15 | Franklin Loan Corporation | 90 | $27.2M | $301,889 | 6.19% | 2% | 0% |
| 16 | Kind Lending, LLC | 89 | $24.8M | $278,483 | 6.36% | 30% | 0% |
| 17 | GUARANTEED RATE, INC. | 85 | $28.8M | $339,235 | 6.57% | 6% | 0% |
| 18 | GUILD MORTGAGE COMPANY | 84 | $25.4M | $302,738 | 5.96% | 9% | 0% |
| 19 | PARAMOUNT RESIDENTIAL MORTGAGE | 84 | $23.7M | $281,905 | 5.43% | 1% | 0% |
| 20 | American Pacific Mortgage Corporation | 82 | $23.2M | $282,439 | 6.84% | 12% | 0% |
| 21 | SUNWEST BANK | 74 | $12.1M | $162,838 | n/a | 0% | n/a |
| 22 | Equity Prime Mortgage LLC | 74 | $26.4M | $357,027 | 6.33% | 10% | 0% |
| 23 | ORANGE COUNTY'S FCU | 72 | $9.4M | $130,972 | 8.98% | 37% | 100% |
| 24 | GENWAY HOME MORTGAGE, INC. | 71 | $9.1M | $128,521 | 7.78% | 19% | 0% |
| 25 | NEW AMERICAN FUNDING, LLC. | 71 | $17.7M | $249,507 | 6.63% | 8% | 0% |
| 26 | loanDepot.com LLC | 69 | $16.6M | $240,362 | 6.75% | 33% | 1% |
| 27 | PENNYMAC LOAN SERVICES LLC | 67 | $23.9M | $357,388 | 6.42% | 21% | 0% |
| 28 | COMMUNITY FIRST CREDIT UNION | 66 | $9.0M | $135,909 | 7.73% | 7% | 62% |
| 29 | VANDERBILT MORTGAGE AND FINANCE, INC | 57 | $11.6M | $202,895 | 9.53% | 35% | 82% |
| 30 | ML Mortgage Corp. | 55 | $15.7M | $285,364 | 6.68% | 3% | 100% |
| 31 | FREEDOM MORTGAGE CORPORATION | 54 | $15.8M | $291,667 | 6.17% | 14% | 0% |
| 32 | BAY FEDERAL CREDIT UNION | 51 | $11.2M | $219,510 | 8.01% | 13% | 67% |
| 33 | Navy Federal Credit Union | 49 | $10.9M | $222,551 | 7.4% | 39% | 0% |
| 34 | American Financial Resources LLC | 47 | $15.0M | $319,468 | 6.59% | 7% | 0% |
| 35 | US BANK, N.A. | 44 | $9.0M | $203,636 | 7.08% | 70% | 0% |
| 36 | SCHOOLSFIRST FCU | 43 | $7.1M | $165,233 | 7.18% | 44% | 0% |
| 37 | Alliant Credit Union | 43 | $5.2M | $121,977 | 8.97% | 18% | 0% |
| 38 | SUN WEST MORTGAGE COMPANY, INC | 41 | $16.1M | $393,537 | 6.07% | 7% | 0% |
| 39 | PRIMELENDING | 36 | $8.8M | $245,000 | 6.26% | 9% | 0% |
| 40 | TRI COUNTIES BANK | 36 | $6.1M | $170,000 | 6.59% | 46% | 0% |
| 41 | Sierra Pacific Mortgage Co. Inc | 35 | $10.1M | $289,286 | 6.63% | 4% | 0% |
| 42 | Golden Empire Mortgage, Inc. | 35 | $10.6M | $304,143 | 6.1% | 8% | 0% |
| 43 | COLUMBIA BANK | 35 | $8.2M | $233,000 | 7.02% | 24% | 0% |
| 44 | Montecito Bank and Trust | 35 | $12.0M | $343,000 | n/a | 28% | n/a |
| 45 | CMG MORTGAGE INC | 34 | $11.4M | $335,882 | 6.64% | 5% | 0% |
| 46 | LAND HOME FINANCIAL SERVICES, | 33 | $11.3M | $342,576 | 6.97% | 6% | 0% |
| 47 | Change Lending | 33 | $9.7M | $295,000 | 6.49% | 2% | 0% |
| 48 | The Golden 1 Credit Union | 30 | $3.9M | $131,333 | 7.4% | 55% | 0% |
| 49 | REDWOOD CREDIT UNION | 30 | $4.5M | $149,667 | 7.9% | 47% | 3% |
| 50 | Starboard Financial Management, LLC | 29 | $11.1M | $383,966 | 7.29% | 0% | 0% |
| 51 | AMERICAN FINANCIAL NETWORK, INC. | 29 | $9.9M | $340,172 | 6.94% | 16% | 0% |
| 52 | Carrington Mortgage Services LLC | 29 | $6.3M | $216,379 | 6.8% | 35% | 0% |
| 53 | Mason-McDuffie Mortgage Corporation | 29 | $6.9M | $236,724 | 5.8% | 7% | 0% |
| 54 | Anchor Loans LP | 27 | $18.4M | $681,667 | 9.69% | 31% | 0% |
| 55 | Village Capital & Investment | 27 | $9.8M | $364,630 | 6.16% | 17% | 0% |
| 56 | PLANET HOME LENDING, LLC | 25 | $8.2M | $327,000 | 6.51% | 26% | 0% |
| 57 | A&D MORTGAGE LLC | 25 | $8.0M | $318,600 | 7.66% | 15% | 100% |
| 58 | Mutual of Omaha Mortgage | 24 | $5.6M | $232,083 | 6.16% | 38% | 0% |
| 59 | Premier Mortgage Resources, LLC | 23 | $5.0M | $219,348 | 6.56% | 0% | 0% |
| 60 | FINANCE OF AMERICA REVERSE LLC | 20 | $3.8M | $192,000 | 6.09% | 21% | 0% |
| 61 | LONGBRIDGE FINANCIAL, LLC | 20 | $3.6M | $182,000 | 6.05% | 7% | 0% |
| 62 | SUMMIT FUNDING.INC | 20 | $4.4M | $219,000 | 5.95% | 5% | 0% |
| 63 | Flexpoint, Inc. | 19 | $5.7M | $301,316 | 5.54% | 7% | 0% |
| 64 | Mortgage Solutions of Colorado | 19 | $5.7M | $300,263 | 6.8% | 0% | 5% |
| 65 | KIAVI FUNDING, INC. | 19 | $5.3M | $281,316 | 9.75% | 13% | 0% |
| 66 | RESIDENTIAL WHOLESALE MORTGAGE | 19 | $7.3M | $385,526 | 6.64% | 0% | 100% |
| 67 | The Loan Store, Inc | 18 | $7.0M | $391,111 | 6.66% | 5% | 0% |
| 68 | MOVEMENT MORTGAGE, LLC | 18 | $4.6M | $256,111 | 6.88% | 0% | 0% |
| 69 | JMAC Lending, Inc. | 18 | $5.8M | $321,667 | 6.83% | 7% | 0% |
| 70 | Five Star Bank | 17 | $52.5M | $3,089,706 | n/a | 0% | n/a |
| 71 | Banner Bank | 17 | $2.9M | $170,294 | 7.7% | 31% | 0% |
| 72 | GTE FEDERAL CREDIT UNION | 17 | $2.1M | $121,471 | 9.24% | 29% | 0% |
| 73 | ALAMEDA MORTGAGE CORPORATION | 16 | $4.7M | $292,500 | 5.95% | 4% | 0% |
| 74 | UNION HOME MORTGAGE CORP. | 16 | $6.5M | $403,125 | 6.35% | 5% | 0% |
| 75 | MortgageOne, Inc | 16 | $4.2M | $259,375 | 6.46% | 6% | 0% |
| 76 | Infinity Equity Group, Inc. | 15 | $4.0M | $269,667 | 6.71% | 0% | 0% |
| 77 | Royal Pacific Funding | 15 | $5.2M | $344,333 | 6.42% | 6% | n/a |
| 78 | NORTH BAY CREDIT UNION | 14 | $1.9M | $132,857 | 8.89% | 14% | 79% |
| 79 | THE FEDERAL SAVINGS BANK | 14 | $3.8M | $270,000 | 6.8% | 9% | 0% |
| 80 | EVERETT FINANCIAL, INC. | 14 | $4.0M | $289,286 | 6.6% | 5% | 0% |
| 81 | NATIONS LENDING CORPORATION | 14 | $3.7M | $261,429 | 6.44% | 10% | 0% |
| 82 | ARK-LA-TEX FINANCIAL SERVICES LLC | 13 | $3.2M | $245,769 | 5.08% | 9% | 0% |
| 83 | PEOPLES MORTGAGE COMPANY | 13 | $3.2M | $245,769 | 5.87% | 0% | 0% |
| 84 | PHH Mortgage Corporation | 13 | $4.2M | $322,692 | 5.84% | 13% | 0% |
| 85 | PLAZA HOME MORTGAGE, INC | 12 | $3.8M | $316,667 | 6.79% | 42% | 0% |
| 86 | SESLOC CREDIT UNION | 12 | $2.5M | $210,833 | 6.94% | 37% | 0% |
| 87 | Cornerstone First Mortgage, LLC | 11 | $4.5M | $410,455 | 6.69% | 7% | 0% |
| 88 | Mechanics Bank | 11 | $6.0M | $542,273 | 7.32% | 25% | 0% |
| 89 | HIGHTECHLENDING, INC | 10 | $1.9M | $190,000 | 6.16% | 0% | 0% |
| 90 | NFM, INC | 10 | $2.6M | $264,000 | 6.85% | 0% | 0% |
| 91 | AHL FUNDING | 10 | $3.9M | $391,000 | 6.72% | 0% | 0% |
| 92 | BMO Harris Bank NA | 10 | $1.1M | $110,000 | 9.13% | 50% | 0% |
| 93 | JPMorgan Chase Bank, NA | 10 | $184.2M | $18,422,000 | 5.83% | 50% | n/a |
| 94 | PNC BANK N.A. | 10 | $1.8M | $183,000 | 6.89% | 55% | 0% |
| 95 | FIRST NATIONAL BANK OF AMERICA | 10 | $2.4M | $242,000 | 9.75% | 28% | 0% |
| 96 | South River Mortgage, LLC | 10 | $940,000 | $94,000 | 5.94% | 6% | n/a |
| 97 | NATIONS DIRECT MORTGAGE, LLC | 10 | $2.8M | $277,000 | 6.11% | 19% | 0% |
| 98 | Lakeview Loan Servicing, LLC | 9 | $2.0M | $219,444 | 5.21% | 38% | 0% |
| 99 | Nikkei Credit Union | 9 | $1.4M | $150,556 | 7.32% | 0% | 0% |
| 100 | GUARANTEED RATE AFFINITY, LLC | 9 | $4.1M | $458,333 | 6.52% | 13% | 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.