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)
3,441
+9.6% vs 2024Originations
$845.5M
+17.4% vs 2024Average loan
$245,718
214 lendersAverage interest rate
7.41%
Denial rate
35%
Home only share
28%
Loans originated by year in CO
Top manufactured home lenders in CO
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 | 343 | $38.4M | $111,880 | 10.42% | 57% | 93% |
| 2 | United Wholesale Mortgage | 337 | $117.0M | $347,107 | 6.14% | 14% | 0% |
| 3 | TRIAD FINANCIAL SERVICES, INC. | 296 | $29.9M | $101,182 | 9.15% | 49% | 100% |
| 4 | GUILD MORTGAGE COMPANY | 191 | $45.4M | $237,723 | 6.43% | 5% | 0% |
| 5 | ALPINE BANK | 142 | $22.2M | $156,268 | 8.26% | 23% | 58% |
| 6 | ENT CREDIT UNION (68671) | 138 | $21.5M | $155,797 | 7.44% | 31% | 0% |
| 7 | ANB Bank | 126 | $13.0M | $103,413 | 6.18% | 17% | 90% |
| 8 | ROCKET MORTGAGE | 116 | $32.5M | $279,828 | 6.39% | 36% | 0% |
| 9 | FAIRWAY INDEPENDENT MORT CORP | 78 | $18.9M | $241,667 | 6.67% | 6% | 0% |
| 10 | ARK-LA-TEX FINANCIAL SERVICES LLC | 68 | $12.7M | $186,618 | 6.63% | 1% | 0% |
| 11 | CROSSCOUNTRY MORTGAGE, LLC | 66 | $21.3M | $321,970 | 6.34% | 4% | 2% |
| 12 | VANDERBILT MORTGAGE AND FINANCE, INC | 55 | $6.3M | $114,455 | 10.4% | 40% | 93% |
| 13 | GUARANTEED RATE, INC. | 54 | $14.1M | $261,852 | 6.49% | 8% | 0% |
| 14 | LOAN SIMPLE, INC. | 48 | $11.3M | $235,208 | 6.57% | 8% | 100% |
| 15 | NEW AMERICAN FUNDING, LLC. | 47 | $10.6M | $225,213 | 6.71% | 7% | 0% |
| 16 | THE CENTRAL TRUST BANK | 40 | $9.9M | $248,000 | 6.89% | 3% | 0% |
| 17 | BANK OF COLORADO | 38 | $8.5M | $223,421 | 7.01% | 21% | 0% |
| 18 | NEWREZ LLC | 38 | $11.4M | $301,053 | 6.29% | 19% | 0% |
| 19 | CORNERSTONE CAPITAL BANK, SSB | 37 | $9.0M | $243,649 | 6.68% | 0% | 0% |
| 20 | V.I.P. MORTGAGE, INC. | 37 | $8.8M | $238,784 | 6.52% | 4% | 0% |
| 21 | FREEDOM MORTGAGE CORPORATION | 36 | $10.6M | $293,333 | 6.17% | 22% | 0% |
| 22 | Mortgage Research Center | 35 | $12.9M | $367,286 | 6.32% | 19% | 0% |
| 23 | loanDepot.com LLC | 32 | $6.5M | $201,875 | 6.6% | 22% | 3% |
| 24 | AMERICAN FINANCING CORPORATION | 31 | $8.3M | $269,194 | 6.52% | 48% | 0% |
| 25 | PARAMOUNT RESIDENTIAL MORTGAGE | 31 | $6.3M | $203,710 | 6.77% | 7% | 0% |
| 26 | LOWER, LLC | 30 | $7.2M | $240,333 | 6.48% | 6% | 0% |
| 27 | CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | 27 | $2.2M | $83,148 | 7.21% | 39% | 0% |
| 28 | American Financial Resources LLC | 24 | $7.8M | $327,083 | 6.75% | 3% | 0% |
| 29 | NFM, INC | 23 | $7.3M | $317,609 | 6.59% | 3% | 0% |
| 30 | Navy Federal Credit Union | 21 | $6.2M | $296,905 | 6.75% | 39% | 0% |
| 31 | Top Flite Financial, Inc. | 21 | $5.2M | $245,476 | 6.51% | 0% | 0% |
| 32 | Mortgage Solutions of Colorado | 21 | $4.9M | $232,619 | 6.8% | 6% | 24% |
| 33 | HIGH COUNTRY BANK | 19 | $3.9M | $207,105 | 6.98% | 5% | 0% |
| 34 | US BANK, N.A. | 17 | $2.2M | $129,706 | 7.49% | 64% | 0% |
| 35 | FirstBank | 17 | $2.7M | $160,294 | 6.79% | 39% | 0% |
| 36 | ZIONS BANCORPORATION, N.A. | 17 | $2.5M | $149,706 | 8.06% | 37% | 0% |
| 37 | CMG MORTGAGE INC | 17 | $6.0M | $350,294 | 6.25% | 0% | 0% |
| 38 | SUN WEST MORTGAGE COMPANY, INC | 16 | $5.0M | $312,500 | 6.2% | 13% | 0% |
| 39 | Glacier Bank | 15 | $2.9M | $191,000 | 7.23% | 31% | 0% |
| 40 | Gold Star Mortgage Financial Group, Corporation | 15 | $3.4M | $223,667 | 6.64% | 0% | 93% |
| 41 | PLAZA HOME MORTGAGE, INC | 14 | $3.2M | $227,143 | 6.61% | 16% | 0% |
| 42 | Equity Prime Mortgage LLC | 14 | $4.6M | $330,714 | 6.29% | 4% | 0% |
| 43 | UNION HOME MORTGAGE CORP. | 13 | $5.2M | $397,308 | 6.71% | 0% | 0% |
| 44 | PENNYMAC LOAN SERVICES LLC | 13 | $4.7M | $359,615 | 6.24% | 17% | 0% |
| 45 | Village Capital & Investment | 13 | $4.5M | $345,769 | 6.09% | 19% | 0% |
| 46 | NBH Bank | 12 | $2.8M | $236,667 | 6.87% | 16% | 0% |
| 47 | PANORAMA MORTGAGE GROUP, LLC | 12 | $2.9M | $242,500 | 7.75% | 0% | 0% |
| 48 | Carrington Mortgage Services LLC | 12 | $2.6M | $218,333 | 6.65% | 9% | 0% |
| 49 | First National Bank Colorado | 12 | $4.3M | $360,000 | n/a | 13% | n/a |
| 50 | CANVAS CREDIT UNION | 12 | $1.3M | $111,667 | 8.56% | 21% | 0% |
| 51 | Kind Lending, LLC | 11 | $3.1M | $279,545 | 6.6% | 31% | 0% |
| 52 | THE FEDERAL SAVINGS BANK | 11 | $3.2M | $291,364 | 6.85% | 0% | 0% |
| 53 | NATIONS LENDING CORPORATION | 11 | $2.9M | $265,000 | 6.17% | 7% | 0% |
| 54 | Golden Empire Mortgage, Inc. | 11 | $2.1M | $195,000 | 6.32% | 9% | 0% |
| 55 | Mutual of Omaha Mortgage | 11 | $2.9M | $263,182 | 6.48% | 26% | 0% |
| 56 | T2 FINANCIAL LLC | 11 | $3.9M | $350,455 | 6.73% | 8% | 0% |
| 57 | Elevations Credit Union | 10 | $3.1M | $311,000 | 7.44% | 44% | 0% |
| 58 | FLAT BRANCH MORTGAGE, INC. | 10 | $3.1M | $310,000 | 6.51% | 0% | 0% |
| 59 | AMERISAVE MORTGAGE COMPANY | 10 | $2.4M | $237,000 | 6.79% | 66% | 0% |
| 60 | American Liberty Mortgage Inco | 10 | $2.8M | $283,000 | 6.76% | 0% | 50% |
| 61 | BoxCar Mortgage, LLC | 9 | $3.2M | $358,333 | 6.17% | 9% | 0% |
| 62 | BMO Harris Bank NA | 9 | $1.4M | $153,889 | 8.98% | 48% | 0% |
| 63 | TOWNE MORTGAGE COMPANY | 9 | $3.3M | $367,222 | 6.53% | 0% | 0% |
| 64 | MOVEMENT MORTGAGE, LLC | 9 | $2.4M | $268,333 | 6.7% | 0% | 0% |
| 65 | Credit Human Federal Credit Un | 9 | $1.0M | $113,889 | 8.4% | 76% | 89% |
| 66 | Primary Residential Mortgage, INC. | 8 | $1.4M | $178,750 | 6.72% | 0% | 0% |
| 67 | Northpointe Bank | 8 | $1.9M | $231,250 | 6.59% | 19% | 0% |
| 68 | GENWAY HOME MORTGAGE, INC. | 8 | $490,000 | $61,250 | 7.75% | 0% | 0% |
| 69 | US Mortgage Corporation | 7 | $1.5M | $212,143 | 6.27% | 20% | 0% |
| 70 | MEGASTAR FINANACIAL CORP | 7 | $2.5M | $350,714 | 6.71% | 0% | 0% |
| 71 | PHH Mortgage Corporation | 7 | $2.8M | $396,429 | 6.03% | 17% | 0% |
| 72 | PLANET HOME LENDING, LLC | 7 | $1.7M | $236,429 | 6.51% | 18% | 0% |
| 73 | KIAVI FUNDING, INC. | 6 | $1.2M | $203,333 | 8.83% | 10% | 0% |
| 74 | OakStar Bank | 6 | $880,000 | $146,667 | 7.46% | 14% | 0% |
| 75 | FARM CREDIT MID-AMERICA, ACA | 6 | $2.7M | $455,000 | 7.13% | 0% | 0% |
| 76 | Farmers State Bank of Calhan | 6 | $310,000 | $51,667 | n/a | 33% | n/a |
| 77 | Alliant Credit Union | 6 | $600,000 | $100,000 | 9.67% | 30% | 0% |
| 78 | FIRST WESTERN TRUST BANK | 6 | $2.7M | $443,333 | 6.19% | 0% | 0% |
| 79 | EVERETT FINANCIAL, INC. | 6 | $2.0M | $333,333 | 6.63% | 0% | 0% |
| 80 | MICHIGAN MUTUAL, INC | 6 | $3.2M | $531,667 | 6.65% | 13% | 0% |
| 81 | Acre Mortgage & Financial, Inc. | 6 | $3.7M | $620,000 | 6.64% | 0% | 0% |
| 82 | ClearPath Lending | 6 | $2.2M | $363,333 | 5.83% | 14% | 0% |
| 83 | Luminate Bank | 6 | $1.8M | $300,000 | 6.41% | 13% | 0% |
| 84 | Zippy Loans, LLC | 6 | $480,000 | $80,000 | 9.58% | 27% | 100% |
| 85 | A&D MORTGAGE LLC | 6 | $1.4M | $225,000 | 7.62% | 11% | 100% |
| 86 | Mountain Valley Bank | 5 | $1.5M | $295,000 | n/a | 13% | n/a |
| 87 | Flanagan State Bank | 5 | $1.9M | $381,000 | 6.2% | 14% | 0% |
| 88 | ENVOY MORTGAGE, LTD | 5 | $1.8M | $365,000 | 6.48% | 0% | 0% |
| 89 | American Pacific Mortgage Corporation | 5 | $1.9M | $387,000 | 6.48% | 14% | 0% |
| 90 | THE MORTGAGE LINK, INC. | 5 | $1.6M | $329,000 | 6.67% | 0% | 0% |
| 91 | SOUTHWEST STAGE FUNDING LLC | 5 | $1.1M | $213,000 | 7.68% | 33% | 40% |
| 92 | HOME MORTGAGE ADVISORS, LLC | 5 | $1.6M | $325,000 | 6.47% | 13% | 0% |
| 93 | PRIMELENDING | 5 | $1.6M | $321,000 | 6.53% | 17% | 0% |
| 94 | CLIMB CREDIT UNION | 4 | $720,000 | $180,000 | 8.18% | 46% | 0% |
| 95 | GUARANTEED RATE AFFINITY, LLC | 4 | $1.7M | $432,500 | 6.39% | 0% | 0% |
| 96 | Huntington National Bank | 4 | $1.1M | $287,500 | 6.33% | 40% | 0% |
| 97 | Resicentral LLC | 4 | $2.0M | $507,500 | 6.65% | 0% | 0% |
| 98 | GREENWOOD CREDIT UNION | 4 | $330,000 | $82,500 | 8.24% | 0% | 100% |
| 99 | Premier Mortgage Services, Inc. | 4 | $900,000 | $225,000 | 6.69% | 0% | 0% |
| 100 | The Loan Store, Inc | 4 | $1.9M | $475,000 | 6.41% | 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.