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)
845
+3.0% vs 2024Originations
$148.8M
-4.0% vs 2024Average loan
$176,101
111 lendersAverage interest rate
7.55%
Denial rate
35%
Home only share
28%
Loans originated by year in DE
Top manufactured home lenders in DE
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 | First Shore Federal Savings and Loan Association | 100 | $10.8M | $107,900 | n/a | 14% | n/a |
| 2 | TRIAD FINANCIAL SERVICES, INC. | 51 | $5.3M | $104,608 | 9.31% | 44% | 100% |
| 3 | TIDEWATER MORTGAGE SERVICES, INC | 51 | $14.7M | $289,118 | 6.29% | 9% | 0% |
| 4 | 21ST MORTGAGE | 48 | $4.3M | $89,792 | 10.77% | 47% | 96% |
| 5 | Credit Human Federal Credit Un | 46 | $5.3M | $114,348 | 8.49% | 26% | 87% |
| 6 | VANDERBILT MORTGAGE AND FINANCE, INC | 40 | $4.6M | $115,000 | 10.7% | 51% | 88% |
| 7 | ROCKET MORTGAGE | 39 | $7.8M | $200,128 | 6.55% | 25% | 0% |
| 8 | United Wholesale Mortgage | 33 | $7.8M | $237,727 | 6.08% | 8% | 0% |
| 9 | WSFS bank | 27 | $3.0M | $109,444 | 7.86% | 23% | 4% |
| 10 | M&T BANK | 21 | $1.5M | $73,571 | 6.38% | 40% | 0% |
| 11 | Keystone Funding, Inc | 21 | $6.0M | $286,905 | 6.51% | 14% | 0% |
| 12 | PNC BANK N.A. | 19 | $2.7M | $141,316 | 7.48% | 48% | 0% |
| 13 | American Financial Resources LLC | 16 | $3.9M | $245,000 | 6.59% | 0% | 0% |
| 14 | Meridian Bank | 16 | $4.5M | $281,250 | 6.29% | 0% | 0% |
| 15 | GUILD MORTGAGE COMPANY | 15 | $4.0M | $265,667 | 6.22% | 31% | 0% |
| 16 | DEL-ONE FEDERAL CREDTI UNION | 14 | $1.2M | $85,000 | 6.98% | 60% | 0% |
| 17 | NEWREZ LLC | 13 | $2.9M | $223,462 | 6.15% | 17% | 0% |
| 18 | Luminate Bank | 13 | $3.3M | $251,154 | 6.74% | 0% | 0% |
| 19 | Tammac Holdings Corporation | 11 | $895,000 | $81,364 | 9.66% | 63% | 100% |
| 20 | MOVEMENT MORTGAGE, LLC | 10 | $2.4M | $235,000 | 6.76% | 0% | 0% |
| 21 | FAIRWAY INDEPENDENT MORT CORP | 10 | $2.9M | $294,000 | 6.93% | 0% | 0% |
| 22 | FULTON BANK, NATIONAL ASSOCIATION | 9 | $1.2M | $136,111 | 6.26% | 14% | 0% |
| 23 | LOWER, LLC | 8 | $1.8M | $230,000 | 6.72% | 0% | 0% |
| 24 | Shoreham Bank | 7 | $175,000 | $25,000 | 8.74% | 17% | 0% |
| 25 | Acre Mortgage & Financial, Inc. | 7 | $3.0M | $432,143 | 6.7% | 10% | 0% |
| 26 | GREENWOOD CREDIT UNION | 7 | $1.1M | $162,143 | 9.56% | 0% | 100% |
| 27 | Shore United Bank, N.A. | 6 | $620,000 | $103,333 | 6.95% | 30% | 20% |
| 28 | DOVER FEDERAL CREDIT UNION | 6 | $650,000 | $108,333 | 6.53% | 25% | 0% |
| 29 | PENNYMAC LOAN SERVICES LLC | 6 | $1.6M | $265,000 | 6.15% | 0% | 0% |
| 30 | AMERISAVE MORTGAGE COMPANY | 6 | $1.2M | $200,000 | 5.88% | 59% | 0% |
| 31 | ATLANTIC COAST MORTGAGE, LLC | 6 | $1.8M | $295,000 | 6.48% | 0% | 0% |
| 32 | Evergreen Bank Group | 5 | $785,000 | $157,000 | n/a | 13% | n/a |
| 33 | DIRECT MORTGAGE LOANS, LLC | 5 | $1.3M | $255,000 | 6.98% | 0% | 0% |
| 34 | American Neighborhood Mortgage Acceptance Company | 5 | $1.0M | $205,000 | 6.62% | 0% | 0% |
| 35 | CROSSCOUNTRY MORTGAGE, LLC | 5 | $1.2M | $241,000 | 6.83% | 8% | 0% |
| 36 | Equity Prime Mortgage LLC | 5 | $1.5M | $295,000 | 6.58% | 0% | 0% |
| 37 | NATIONS LENDING CORPORATION | 5 | $715,000 | $143,000 | 6.43% | 17% | 0% |
| 38 | PHH Mortgage Corporation | 4 | $1.1M | $270,000 | 5.78% | 30% | 0% |
| 39 | PIKE CREEK MORTGAGE SERVICES, INC. | 4 | $960,000 | $240,000 | 6.75% | 0% | 0% |
| 40 | Colorado Federal Savings Bank | 4 | $1.1M | $262,500 | 6.41% | 0% | 0% |
| 41 | loanDepot.com LLC | 4 | $720,000 | $180,000 | 7.12% | 64% | 0% |
| 42 | NEW AMERICAN FUNDING, LLC. | 4 | $1.0M | $250,000 | 6.62% | 20% | 0% |
| 43 | CMG MORTGAGE INC | 4 | $1.1M | $275,000 | 6.56% | 17% | 0% |
| 44 | Ballston Spa National Bank | 4 | $480,000 | $120,000 | n/a | 0% | n/a |
| 45 | FIRST CREDIT CORPORATION OF NY, INC. | 3 | $435,000 | $145,000 | 7.91% | 57% | 100% |
| 46 | Navy Federal Credit Union | 3 | $265,000 | $88,333 | 9.19% | 40% | 0% |
| 47 | Capital Bank, N.A. | 3 | $945,000 | $315,000 | 6.54% | 25% | 0% |
| 48 | ABERDEEN PROVING GROUND FCU | 3 | $215,000 | $71,667 | 10.22% | 40% | 100% |
| 49 | PROSPERITY HOME MORTGAGE, LLC | 3 | $805,000 | $268,333 | 6.58% | 20% | 0% |
| 50 | The Farmers Bank of Willards | 3 | $525,000 | $175,000 | n/a | 14% | n/a |
| 51 | Mortgage Research Center | 3 | $895,000 | $298,333 | 6.08% | 29% | 0% |
| 52 | American Pacific Mortgage Corporation | 3 | $765,000 | $255,000 | 6.63% | 0% | 0% |
| 53 | FREEDOM MORTGAGE CORPORATION | 3 | $535,000 | $178,333 | 6.63% | 25% | 0% |
| 54 | Embrace Home Loans, Inc. | 3 | $835,000 | $278,333 | 6.79% | 0% | 0% |
| 55 | Northpointe Bank | 3 | $755,000 | $251,667 | 6.41% | 20% | 0% |
| 56 | GUARANTEED RATE AFFINITY, LLC | 2 | $590,000 | $295,000 | 6.59% | 0% | 0% |
| 57 | FIRST NATIONAL BANK OF AMERICA | 2 | $320,000 | $160,000 | 10.12% | 0% | 0% |
| 58 | A&D MORTGAGE LLC | 2 | $640,000 | $320,000 | 7.68% | 25% | 100% |
| 59 | Reliance First Capital, LLC | 2 | $510,000 | $255,000 | 6.69% | 0% | 0% |
| 60 | Carrington Mortgage Services LLC | 2 | $320,000 | $160,000 | 5.75% | 56% | 0% |
| 61 | SUCCESS LENDING, LLC | 2 | $310,000 | $155,000 | 8.25% | 25% | 0% |
| 62 | The People's Credit Union | 2 | $180,000 | $90,000 | 8.13% | 0% | 50% |
| 63 | Old Second National Bank | 2 | $320,000 | $160,000 | n/a | 25% | n/a |
| 64 | PLANET HOME LENDING, LLC | 2 | $500,000 | $250,000 | 5.75% | 0% | 0% |
| 65 | Nation One Mortgage Corporatio | 2 | $530,000 | $265,000 | 6.5% | 0% | 0% |
| 66 | GUARANTEED RATE, INC. | 2 | $650,000 | $325,000 | 6.06% | 17% | 0% |
| 67 | Cornerstone First Mortgage, LLC | 2 | $530,000 | $265,000 | 6.63% | 0% | 0% |
| 68 | Kind Lending, LLC | 2 | $670,000 | $335,000 | 6.75% | 33% | 0% |
| 69 | CARDINAL FINANCIAL COMPANY, LI | 2 | $540,000 | $270,000 | 6.31% | 33% | 0% |
| 70 | Primary Residential Mortgage, INC. | 2 | $610,000 | $305,000 | 6.63% | 60% | 0% |
| 71 | NFM, INC | 2 | $610,000 | $305,000 | 6.5% | 0% | 0% |
| 72 | Gold Star Mortgage Financial Group, Corporation | 1 | $165,000 | $165,000 | 6.63% | 0% | 100% |
| 73 | MAGNOLIA BANK | 1 | $225,000 | $225,000 | 6.5% | 0% | 0% |
| 74 | Texana Bank | 1 | $275,000 | $275,000 | 5.13% | 50% | 0% |
| 75 | Deepwater Industries Federal Credit Union | 1 | $175,000 | $175,000 | n/a | 0% | n/a |
| 76 | HEBRON SAVINGS BANK | 1 | $255,000 | $255,000 | n/a | 0% | n/a |
| 77 | Allied Mortgage Group, Inc | 1 | $285,000 | $285,000 | 6% | 0% | 0% |
| 78 | SUN WEST MORTGAGE COMPANY, INC | 1 | $185,000 | $185,000 | 5.88% | 0% | 0% |
| 79 | Homestead Funding Corp. | 1 | $205,000 | $205,000 | 7.63% | 0% | 0% |
| 80 | NEW FED MORTGAGE CORP. | 1 | $275,000 | $275,000 | 5.38% | 0% | 0% |
| 81 | MICHIGAN MUTUAL, INC | 1 | $485,000 | $485,000 | 7.5% | 0% | 0% |
| 82 | Village Capital & Investment | 1 | $245,000 | $245,000 | 5.99% | 0% | 0% |
| 83 | PRIMELENDING | 1 | $165,000 | $165,000 | 6.49% | 0% | 0% |
| 84 | STG MORTGAGE INC | 1 | $255,000 | $255,000 | 7.38% | 50% | 0% |
| 85 | GOODLEAP, LLC | 1 | $155,000 | $155,000 | 5.75% | 67% | 0% |
| 86 | South River Mortgage, LLC | 1 | $75,000 | $75,000 | 6.38% | 0% | n/a |
| 87 | Harford Bank | 1 | $245,000 | $245,000 | n/a | 0% | n/a |
| 88 | Barrington Bank & Trust Company, N.A. | 1 | $205,000 | $205,000 | 6.75% | 0% | 0% |
| 89 | Sun East Federal Credit Union | 1 | $235,000 | $235,000 | 6.63% | 0% | 0% |
| 90 | TRUIST BANK | 1 | $95,000 | $95,000 | 5.99% | 0% | 0% |
| 91 | FIRST NATIONAL BANK OF PA | 1 | $125,000 | $125,000 | 6.88% | 0% | 0% |
| 92 | CREDIT UNION MORTGAGE ASSOCIAT | 1 | $155,000 | $155,000 | 5.38% | 0% | 0% |
| 93 | First Home Mortgage | 1 | $375,000 | $375,000 | 6.75% | 50% | 0% |
| 94 | AFFORDABLE MORTGAGE ADVISORS | 1 | $155,000 | $155,000 | 6.88% | 0% | 0% |
| 95 | Journey Bank | 1 | $135,000 | $135,000 | 6.99% | 0% | 0% |
| 96 | Cliffco, Inc. | 1 | $155,000 | $155,000 | 7.38% | 0% | 0% |
| 97 | CHURCHILL MORTGAGE CORPORATION | 1 | $165,000 | $165,000 | 6.99% | 0% | 0% |
| 98 | Evolve Bank & Trust | 1 | $265,000 | $265,000 | 6.5% | 0% | 0% |
| 99 | Horizon Farm Credit, ACA | 1 | $25,000 | $25,000 | 6.47% | 0% | 0% |
| 100 | Old National Bank | 1 | $365,000 | $365,000 | 7.88% | 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.