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)
14,259
+6.7% vs 2024Originations
$2.89B
+22.6% vs 2024Average loan
$202,865
410 lendersAverage interest rate
7.47%
Denial rate
35%
Home only share
23%
Loans originated by year in FL
Top manufactured home lenders in FL
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 | 2,083 | $285.4M | $137,012 | 9.89% | 49% | 63% |
| 2 | United Wholesale Mortgage | 1,804 | $389.9M | $216,131 | 6.37% | 15% | 0% |
| 3 | TRIAD FINANCIAL SERVICES, INC. | 773 | $75.0M | $97,005 | 9.24% | 51% | 95% |
| 4 | ROCKET MORTGAGE | 730 | $129.8M | $177,808 | 6.57% | 35% | 0% |
| 5 | SOUTHSTATE BANK, NATIONAL ASSOCIATION | 436 | $48.6M | $111,468 | 7.33% | 30% | 67% |
| 6 | CROSSCOUNTRY MORTGAGE, LLC | 387 | $77.6M | $200,401 | 6.74% | 3% | 0% |
| 7 | Mortgage Research Center | 298 | $65.9M | $221,242 | 6.58% | 16% | 0% |
| 8 | VANDERBILT MORTGAGE AND FINANCE, INC | 275 | $35.3M | $128,491 | 10.03% | 42% | 56% |
| 9 | American Financial Resources LLC | 268 | $56.7M | $211,493 | 6.55% | 6% | 0% |
| 10 | UNION HOME MORTGAGE CORP. | 237 | $48.7M | $205,380 | 6.58% | 9% | 0% |
| 11 | Equity Prime Mortgage LLC | 216 | $44.3M | $205,000 | 6.59% | 5% | 0% |
| 12 | SOUTHWEST STAGE FUNDING LLC | 190 | $42.1M | $221,526 | 7.12% | 14% | 36% |
| 13 | NEWREZ LLC | 177 | $36.9M | $208,616 | 6.53% | 19% | 0% |
| 14 | EVERETT FINANCIAL, INC. | 173 | $27.3M | $157,775 | 7.06% | 11% | 0% |
| 15 | NEW AMERICAN FUNDING, LLC. | 172 | $29.8M | $173,547 | 6.93% | 12% | 0% |
| 16 | Credit Human Federal Credit Un | 160 | $15.9M | $99,438 | 8.4% | 61% | 84% |
| 17 | MOVEMENT MORTGAGE, LLC | 147 | $26.8M | $182,483 | 6.88% | 2% | 1% |
| 18 | loanDepot.com LLC | 146 | $22.3M | $152,603 | 6.91% | 34% | 0% |
| 19 | Navy Federal Credit Union | 145 | $26.3M | $181,276 | 6.87% | 32% | 0% |
| 20 | CARDINAL FINANCIAL COMPANY, LI | 135 | $28.1M | $208,037 | 6.33% | 9% | 0% |
| 21 | Zippy Loans, LLC | 129 | $7.0M | $54,612 | 8.58% | 47% | 100% |
| 22 | GUILD MORTGAGE COMPANY | 120 | $19.4M | $161,750 | 6.72% | 11% | 0% |
| 23 | VyStar Credit Union | 119 | $12.2M | $102,731 | 6.83% | 50% | 0% |
| 24 | FAIRWAY INDEPENDENT MORT CORP | 118 | $20.4M | $172,966 | 6.8% | 9% | 0% |
| 25 | FLORIDA CREDIT UNION | 118 | $12.2M | $103,475 | 7.37% | 35% | 0% |
| 26 | FREEDOM MORTGAGE CORPORATION | 114 | $23.9M | $209,912 | 6.33% | 22% | 0% |
| 27 | The Mortgage Firm | 110 | $22.4M | $204,000 | 6.76% | 4% | 0% |
| 28 | 1st Signature Lending, LLC | 109 | $27.7M | $254,541 | 5.99% | 2% | 0% |
| 29 | PENNYMAC LOAN SERVICES LLC | 107 | $24.2M | $226,495 | 6.43% | 21% | 0% |
| 30 | AMERICAN FINANCIAL NETWORK, INC. | 101 | $20.3M | $200,545 | 7.01% | 5% | 0% |
| 31 | CMG MORTGAGE INC | 97 | $17.7M | $182,010 | 6.92% | 8% | 0% |
| 32 | Acre Mortgage & Financial, Inc. | 96 | $36.8M | $383,333 | 6.67% | 6% | 0% |
| 33 | FIRST FEDERAL BANK | 95 | $21.0M | $221,421 | 6.49% | 20% | 0% |
| 34 | American Pacific Mortgage Corporation | 85 | $17.7M | $207,941 | 7.06% | 17% | 0% |
| 35 | PLANET HOME LENDING, LLC | 85 | $17.8M | $209,706 | 6.48% | 29% | 0% |
| 36 | GUARANTEED RATE, INC. | 82 | $16.4M | $200,244 | 6.58% | 16% | 0% |
| 37 | NATIONS LENDING CORPORATION | 77 | $15.9M | $206,429 | 6.4% | 14% | 0% |
| 38 | CSL Financial, LLC | 76 | $10.9M | $143,816 | 8.32% | 45% | 100% |
| 39 | GENWAY HOME MORTGAGE, INC. | 68 | $3.3M | $48,088 | 8.43% | 28% | 0% |
| 40 | Gold Star Mortgage Financial Group, Corporation | 67 | $10.2M | $152,313 | 6.86% | 13% | 93% |
| 41 | AMERISAVE MORTGAGE COMPANY | 63 | $9.4M | $149,444 | 6.56% | 72% | 0% |
| 42 | Village Capital & Investment | 61 | $16.2M | $265,000 | 5.99% | 21% | 0% |
| 43 | Kind Lending, LLC | 60 | $11.1M | $185,333 | 7.14% | 40% | 0% |
| 44 | A&D MORTGAGE LLC | 60 | $12.7M | $212,167 | 7.78% | 11% | 100% |
| 45 | Ameris Bank | 56 | $9.2M | $163,393 | 6.78% | 19% | 0% |
| 46 | AFFORDABLE MORTGAGE ADVISORS | 56 | $10.2M | $181,607 | 6.69% | 6% | 0% |
| 47 | Carrington Mortgage Services LLC | 55 | $8.6M | $157,182 | 6.7% | 30% | 0% |
| 48 | PLAZA HOME MORTGAGE, INC | 54 | $7.5M | $138,889 | 7.19% | 41% | 0% |
| 49 | Plains Commerce Bank | 52 | $8.0M | $152,885 | 6.81% | 17% | 0% |
| 50 | LEADERONE FINANCIAL CORP. | 51 | $9.3M | $183,039 | 6.77% | 17% | 0% |
| 51 | PNC BANK N.A. | 50 | $5.5M | $111,000 | 5.9% | 41% | 0% |
| 52 | Click n' Close, Inc. | 49 | $8.0M | $162,551 | 8.07% | 13% | 0% |
| 53 | LOWER, LLC | 47 | $9.0M | $192,021 | 6.73% | 17% | 0% |
| 54 | CITIZENS BANK AND TRUST | 47 | $2.9M | $60,957 | n/a | 17% | n/a |
| 55 | PRIMELENDING | 45 | $7.6M | $168,556 | 6.76% | 5% | 0% |
| 56 | Centennial Bank | 43 | $9.4M | $218,256 | 6.91% | 24% | 0% |
| 57 | Tammac Holdings Corporation | 43 | $3.7M | $85,000 | 9.86% | 71% | 100% |
| 58 | CAPITAL CITY BANK | 41 | $2.9M | $70,122 | 7.19% | 50% | 0% |
| 59 | WATERSTONE MORTGAGE CORPORATION | 41 | $7.1M | $174,268 | 6.82% | 11% | 0% |
| 60 | American Neighborhood Mortgage Acceptance Company | 40 | $8.2M | $204,000 | 6.71% | 5% | 0% |
| 61 | GENEVA FINANCIAL LLC | 36 | $7.6M | $211,111 | 7.02% | 4% | 0% |
| 62 | Mortgage Solutions of Colorado | 35 | $8.1M | $231,571 | 7.14% | 5% | 9% |
| 63 | SUCCESS MORTGAGE PARTNERS, INC | 33 | $6.9M | $209,242 | 6.56% | 2% | 0% |
| 64 | PARAMOUNT RESIDENTIAL MORTGAGE | 33 | $7.2M | $218,030 | 6.73% | 11% | 0% |
| 65 | Cornerstone First Mortgage, LLC | 32 | $7.1M | $221,875 | 6.66% | 2% | 0% |
| 66 | Acrisure Mortgage, LLC | 32 | $6.1M | $190,625 | 6.8% | 17% | 0% |
| 67 | MORTGAGE FINANCIAL GROUP INC | 32 | $6.4M | $199,688 | 6.75% | 7% | 0% |
| 68 | FIRSTBANK | 31 | $12.0M | $387,258 | 8.57% | 55% | 59% |
| 69 | T2 FINANCIAL LLC | 31 | $5.9M | $191,452 | 6.59% | 19% | 0% |
| 70 | Capital City Home Loans, LLC | 31 | $5.1M | $163,387 | 6.94% | 14% | 0% |
| 71 | STOCKTON MORTGAGE CORPORATION | 31 | $6.6M | $214,355 | 6.77% | 2% | 0% |
| 72 | COUNTRYPLACE MORTGAGE, LTD. | 30 | $6.7M | $223,667 | 5.59% | 35% | 40% |
| 73 | TOWNE MORTGAGE COMPANY | 30 | $6.4M | $213,000 | 6.77% | 4% | 0% |
| 74 | SUN WEST MORTGAGE COMPANY, INC | 30 | $6.8M | $227,000 | 6.44% | 15% | 0% |
| 75 | CITIZENS FIRST BANK | 30 | $3.9M | $129,667 | 6.82% | 7% | 0% |
| 76 | METROPLEX MORTGAGE SERVICES | 28 | $4.4M | $158,214 | 7.02% | 8% | 0% |
| 77 | UNIVERSITY BANK | 28 | $5.2M | $184,286 | 6.6% | 8% | 0% |
| 78 | TRUIST BANK | 28 | $4.4M | $157,143 | 6.48% | 40% | 0% |
| 79 | CALCON MUTUAL MORTGAGE LLC | 28 | $5.9M | $211,071 | 6.49% | 8% | 0% |
| 80 | Mutual of Omaha Mortgage | 27 | $3.5M | $129,074 | 6.45% | 25% | 0% |
| 81 | KIAVI FUNDING, INC. | 25 | $4.3M | $172,600 | 9.82% | 26% | 0% |
| 82 | FIRST COMMUNITY MORTGAGE, INC. | 25 | $4.1M | $165,000 | 6.82% | 4% | 0% |
| 83 | VanDyk Mortgage Corporation | 24 | $4.7M | $194,583 | 6.7% | 13% | 0% |
| 84 | United Southern Bank | 23 | $2.3M | $100,652 | n/a | 15% | n/a |
| 85 | EMM Loans LLC | 22 | $4.6M | $207,727 | 6.73% | 7% | 0% |
| 86 | Mid-Continent Funding, Inc. | 22 | $4.3M | $196,818 | 6.87% | 8% | 0% |
| 87 | FIRST NATIONAL BANK OF AMERICA | 22 | $2.9M | $130,000 | 10.35% | 38% | 0% |
| 88 | Alkan Mortgage Corporation | 22 | $4.2M | $191,364 | 7.03% | 10% | 0% |
| 89 | Luminate Bank | 20 | $3.1M | $154,000 | 6.99% | 13% | 0% |
| 90 | Top Flite Financial, Inc. | 20 | $2.3M | $114,000 | 6.74% | 10% | 0% |
| 91 | GERSHMAN INVESTMENT CORP. | 20 | $4.5M | $225,000 | 6.52% | 4% | 0% |
| 92 | Bayshore Mortgage Funding | 19 | $3.4M | $179,737 | 6.6% | 4% | 0% |
| 93 | MICHIGAN MUTUAL, INC | 18 | $5.5M | $307,778 | 6.96% | 11% | 0% |
| 94 | GTE FEDERAL CREDIT UNION | 18 | $2.1M | $117,222 | 6.99% | 25% | 0% |
| 95 | Ixonia Bank | 17 | $3.4M | $198,529 | 6.69% | 10% | 0% |
| 96 | BoxCar Mortgage, LLC | 17 | $2.5M | $145,000 | 6.95% | 12% | 0% |
| 97 | South River Mortgage, LLC | 17 | $1.6M | $94,412 | 5.93% | 5% | n/a |
| 98 | The First National Bank of Mount Dora | 17 | $1.9M | $112,059 | n/a | 15% | n/a |
| 99 | FINANCE OF AMERICA REVERSE LLC | 17 | $1.9M | $113,824 | 6.34% | 10% | 0% |
| 100 | Park Lane Finance SolutionsLLC | 17 | $1.5M | $90,294 | 10.29% | 48% | 100% |
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.