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)
8,139
+14.8% vs 2024Originations
$1.42B
+27.3% vs 2024Average loan
$174,160
318 lendersAverage interest rate
7.64%
Denial rate
36%
Home only share
22%
Loans originated by year in GA
Top manufactured home lenders in GA
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 | 1,214 | $161.4M | $132,949 | 9.92% | 51% | 66% |
| 2 | United Wholesale Mortgage | 471 | $95.3M | $202,325 | 6.3% | 15% | 0% |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC | 453 | $76.6M | $169,150 | 9.76% | 41% | 54% |
| 4 | ROCKET MORTGAGE | 448 | $72.4M | $161,652 | 6.56% | 29% | 0% |
| 5 | PLANET HOME LENDING, LLC | 324 | $70.1M | $216,265 | 6.43% | 8% | 0% |
| 6 | TRIAD FINANCIAL SERVICES, INC. | 247 | $27.6M | $111,559 | 8.93% | 55% | 96% |
| 7 | Mortgage Research Center | 155 | $32.6M | $210,548 | 6.66% | 14% | 0% |
| 8 | NEW AMERICAN FUNDING, LLC. | 154 | $25.6M | $165,909 | 6.95% | 9% | 0% |
| 9 | FAIRWAY INDEPENDENT MORT CORP | 145 | $26.1M | $180,103 | 6.92% | 7% | 0% |
| 10 | CROSSCOUNTRY MORTGAGE, LLC | 141 | $26.8M | $189,752 | 6.62% | 3% | 0% |
| 11 | SOUTHWEST STAGE FUNDING LLC | 132 | $25.1M | $189,848 | 7.59% | 7% | 54% |
| 12 | Glennville Bank | 128 | $12.0M | $93,594 | n/a | 10% | n/a |
| 13 | GUILD MORTGAGE COMPANY | 128 | $21.1M | $164,453 | 6.76% | 9% | 0% |
| 14 | TOWNE MORTGAGE COMPANY | 115 | $20.3M | $176,217 | 6.79% | 4% | 0% |
| 15 | American Pacific Mortgage Corporation | 105 | $18.9M | $180,429 | 7.23% | 7% | 0% |
| 16 | UNION HOME MORTGAGE CORP. | 92 | $16.7M | $181,304 | 6.61% | 8% | 0% |
| 17 | PrimeSouth Bank | 91 | $9.4M | $103,022 | 8.66% | 5% | 14% |
| 18 | FARMERS AND MERCHANTS BANK | 89 | $7.0M | $78,146 | n/a | 9% | n/a |
| 19 | American Financial Resources LLC | 84 | $17.2M | $204,405 | 6.28% | 11% | 0% |
| 20 | MAGNOLIA BANK | 76 | $16.9M | $222,895 | 6.47% | 13% | 0% |
| 21 | Equity Prime Mortgage LLC | 72 | $14.1M | $195,139 | 6.65% | 6% | 0% |
| 22 | NEWREZ LLC | 72 | $13.9M | $193,611 | 6.38% | 22% | 0% |
| 23 | CARDINAL FINANCIAL COMPANY, LI | 71 | $11.4M | $160,070 | 6.82% | 13% | 0% |
| 24 | GEORGIA COMMUNITY BANK | 65 | $4.7M | $71,615 | n/a | 4% | n/a |
| 25 | FREEDOM MORTGAGE CORPORATION | 65 | $11.7M | $179,462 | 6.26% | 12% | 0% |
| 26 | PENNYMAC LOAN SERVICES LLC | 59 | $12.3M | $208,559 | 6.31% | 16% | 0% |
| 27 | Interstate Credit Union | 58 | $5.3M | $91,207 | 7.98% | 25% | 0% |
| 28 | CSL Financial, LLC | 55 | $7.3M | $132,091 | 8.23% | 58% | 100% |
| 29 | GUARANTEED RATE, INC. | 55 | $10.8M | $197,000 | 6.52% | 17% | 0% |
| 30 | Ameris Bank | 53 | $8.5M | $161,226 | 6.97% | 17% | 4% |
| 31 | MOVEMENT MORTGAGE, LLC | 52 | $8.5M | $163,269 | 7.25% | 8% | 0% |
| 32 | South Georgia Bank | 52 | $6.8M | $131,346 | n/a | 5% | n/a |
| 33 | Navy Federal Credit Union | 49 | $7.8M | $158,469 | 7.37% | 40% | 0% |
| 34 | FIRSTBANK | 44 | $6.4M | $144,545 | 8.84% | 65% | 65% |
| 35 | 1st Signature Lending, LLC | 44 | $10.0M | $227,500 | 5.86% | 11% | 0% |
| 36 | loanDepot.com LLC | 43 | $5.4M | $125,930 | 7.15% | 40% | 2% |
| 37 | CALCON MUTUAL MORTGAGE LLC | 42 | $9.9M | $234,762 | 6.3% | 35% | 0% |
| 38 | AMERISAVE MORTGAGE COMPANY | 41 | $5.6M | $136,463 | 6.97% | 67% | 0% |
| 39 | Premier Mortgage Resources, LLC | 40 | $6.9M | $172,750 | 7.16% | 5% | 3% |
| 40 | First State Bank | 39 | $3.2M | $80,897 | n/a | 0% | n/a |
| 41 | Bank of Newington | 39 | $12.4M | $317,821 | n/a | 11% | n/a |
| 42 | BankSouth Mortgage Company LLC | 39 | $7.2M | $185,000 | 6.61% | 11% | 0% |
| 43 | UNITED BANK | 38 | $6.0M | $158,421 | 7.62% | 13% | 0% |
| 44 | Kind Lending, LLC | 37 | $6.9M | $187,162 | 6.77% | 29% | 0% |
| 45 | Mutual of Omaha Mortgage | 36 | $4.6M | $126,944 | 7.13% | 13% | 0% |
| 46 | The Peoples Bank of Georgia | 36 | $3.4M | $95,556 | n/a | 23% | n/a |
| 47 | LOWER, LLC | 35 | $6.5M | $185,286 | 6.93% | 8% | 0% |
| 48 | Credit Human Federal Credit Un | 33 | $3.4M | $103,485 | 8.28% | 79% | 94% |
| 49 | First State Bank of Blakely | 32 | $1.1M | $35,000 | n/a | 6% | n/a |
| 50 | EVERETT FINANCIAL, INC. | 32 | $5.5M | $171,250 | 6.99% | 19% | 0% |
| 51 | SOUTHSTATE BANK, NATIONAL ASSOCIATION | 31 | $4.6M | $149,516 | 6.76% | 38% | 3% |
| 52 | GENWAY HOME MORTGAGE, INC. | 31 | $2.1M | $68,226 | 8.59% | 28% | 0% |
| 53 | South Georgia Banking Company | 30 | $1.9M | $64,000 | n/a | 8% | n/a |
| 54 | Presidential Bank, FSB | 30 | $7.0M | $232,333 | 6.73% | 0% | 0% |
| 55 | MAGNOLIA STATE BANK | 28 | $2.8M | $100,357 | n/a | 3% | n/a |
| 56 | Mortgage Solutions of Colorado | 28 | $6.3M | $225,357 | 7.42% | 5% | 21% |
| 57 | Southeastern Bank | 27 | $2.1M | $76,111 | n/a | 0% | n/a |
| 58 | First Port City Bank | 27 | $5.0M | $183,889 | n/a | 0% | n/a |
| 59 | Pineland Bank | 26 | $1.8M | $70,385 | n/a | 9% | n/a |
| 60 | Acre Mortgage & Financial, Inc. | 26 | $9.9M | $379,615 | 6.62% | 0% | 0% |
| 61 | PARAMOUNT RESIDENTIAL MORTGAGE | 25 | $6.3M | $251,400 | 6.52% | 9% | 0% |
| 62 | SENTE MORTGAGE, INC. | 25 | $4.9M | $197,000 | 6.86% | 0% | 0% |
| 63 | NATIONS LENDING CORPORATION | 25 | $3.9M | $157,400 | 6.24% | 8% | 0% |
| 64 | Pinnacle Bank | 25 | $3.9M | $155,800 | n/a | 14% | n/a |
| 65 | Colony Bank | 25 | $4.2M | $166,600 | 6.77% | 13% | 0% |
| 66 | Robins Financial Credit Union | 24 | $2.9M | $120,833 | 6.16% | 38% | 0% |
| 67 | STOCKTON MORTGAGE CORPORATION | 24 | $4.7M | $196,667 | 6.6% | 9% | 0% |
| 68 | BankSouth | 23 | $3.3M | $142,391 | n/a | 0% | n/a |
| 69 | First National Bank of Coffee County | 23 | $3.4M | $148,478 | n/a | 4% | n/a |
| 70 | SOUTHEAST MORTGAGE OF GEORGIA, INC. | 22 | $5.3M | $239,091 | 6.99% | 3% | 18% |
| 71 | Zippy Loans, LLC | 22 | $1.2M | $52,727 | 10% | 46% | 100% |
| 72 | TRUIST BANK | 22 | $3.3M | $151,818 | 6.63% | 28% | 0% |
| 73 | CANOPY MORTGAGE, LLC | 22 | $4.1M | $187,727 | 6.55% | 3% | 0% |
| 74 | UNITED COMMUNITY BANK | 21 | $5.5M | $264,048 | 6.92% | 44% | 0% |
| 75 | Village Capital & Investment | 21 | $4.9M | $233,571 | 6.1% | 18% | 0% |
| 76 | SUCCESS MORTGAGE PARTNERS, INC | 21 | $4.5M | $213,571 | 7.02% | 0% | 0% |
| 77 | Carrington Mortgage Services LLC | 21 | $2.4M | $112,619 | 6.94% | 36% | 0% |
| 78 | Thomasville National Bank | 20 | $2.9M | $142,500 | n/a | 0% | n/a |
| 79 | AMERICAN FINANCIAL NETWORK, INC. | 20 | $3.9M | $193,500 | 6.97% | 11% | 0% |
| 80 | Bank of Dudley | 20 | $1.5M | $77,000 | n/a | 0% | n/a |
| 81 | PLAZA HOME MORTGAGE, INC | 20 | $2.8M | $140,000 | 7.12% | 19% | 0% |
| 82 | Five Star Credit Union | 19 | $1.7M | $88,684 | n/a | 38% | n/a |
| 83 | CMG MORTGAGE INC | 19 | $3.2M | $166,053 | 6.64% | 11% | 0% |
| 84 | Commercial Banking Company | 18 | $1.7M | $92,778 | n/a | 12% | n/a |
| 85 | City National Bank of Florida | 18 | $4.3M | $236,667 | 6.38% | 0% | 0% |
| 86 | GUARDIAN BANK | 18 | $1.5M | $81,111 | n/a | 5% | n/a |
| 87 | MORTGAGE INVESTORS GROUP | 18 | $3.2M | $177,222 | 6.62% | 14% | 0% |
| 88 | FIRST COMMUNITY MORTGAGE, INC. | 18 | $3.4M | $190,556 | 6.87% | 7% | 0% |
| 89 | BoxCar Mortgage, LLC | 18 | $2.8M | $156,111 | 6.64% | 9% | 0% |
| 90 | HOMEOWNERS FINANCIAL GROUP, LLC | 18 | $3.6M | $198,333 | 6.79% | 3% | 0% |
| 91 | Exchange Bank | 17 | $6.7M | $392,059 | n/a | 10% | n/a |
| 92 | FIRST FEDERAL BANK | 17 | $3.0M | $177,941 | 6.41% | 17% | 0% |
| 93 | Top Flite Financial, Inc. | 17 | $2.9M | $168,529 | 6.61% | 4% | 0% |
| 94 | Cornerstone First Mortgage, LLC | 16 | $4.1M | $256,875 | 6.57% | 0% | 0% |
| 95 | Morris Bank | 16 | $2.4M | $148,125 | n/a | 38% | n/a |
| 96 | LAND HOME FINANCIAL SERVICES, | 16 | $2.5M | $155,625 | 8.61% | 0% | 100% |
| 97 | FIRST OPTION MORTGAGE, LLC | 15 | $2.7M | $177,000 | 7.62% | 9% | 0% |
| 98 | Bank of Dade | 15 | $1.4M | $94,333 | n/a | 18% | n/a |
| 99 | Milend, Inc | 14 | $2.7M | $195,714 | 6.61% | 23% | n/a |
| 100 | Great Oaks Bank | 14 | $600,000 | $42,857 | n/a | 19% | n/a |
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.