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)
2,095
+16.1% vs 2024Originations
$483.4M
+19.4% vs 2024Average loan
$230,757
165 lendersAverage interest rate
7.17%
Denial rate
27%
Home only share
14%
Loans originated by year in ID
Top manufactured home lenders in ID
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 | IDAHO CENTRAL CREDIT UNION | 183 | $41.0M | $224,071 | 6.92% | 31% | 0% |
| 2 | TRIAD FINANCIAL SERVICES, INC. | 142 | $13.7M | $96,761 | 9.04% | 32% | 99% |
| 3 | United Wholesale Mortgage | 127 | $39.9M | $314,449 | 6.05% | 13% | 0% |
| 4 | Freedom Northwest Credit Union | 101 | $16.8M | $166,089 | n/a | 0% | n/a |
| 5 | ROCKET MORTGAGE | 96 | $25.1M | $261,458 | 6.46% | 28% | 0% |
| 6 | 21ST MORTGAGE | 81 | $8.6M | $106,358 | 10.65% | 53% | 83% |
| 7 | GUILD MORTGAGE COMPANY | 71 | $15.7M | $221,338 | 6.57% | 8% | 0% |
| 8 | Premier Mortgage Resources, LLC | 69 | $16.4M | $237,609 | 6.76% | 6% | 0% |
| 9 | POTLATCH NO 1 FINANCIAL CREDIT U | 69 | $11.3M | $163,261 | 7.43% | 14% | 7% |
| 10 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 39 | $11.4M | $291,667 | 6.53% | 0% | 0% |
| 11 | Glacier Bank | 36 | $10.8M | $300,000 | 6.97% | 17% | 0% |
| 12 | MOUNTAIN AMERICA FEDERAL CREDIT UNION | 35 | $4.1M | $118,429 | 7.11% | 50% | 0% |
| 13 | American Pacific Mortgage Corporation | 34 | $8.2M | $241,176 | 6.67% | 0% | 0% |
| 14 | Pioneer Federal Credit Union | 31 | $4.9M | $157,258 | 7.03% | 8% | 0% |
| 15 | FIRST FEDERAL SAVINGS BANK | 31 | $4.0M | $130,161 | 7.68% | 21% | 0% |
| 16 | D. L. EVANS BANK | 30 | $4.7M | $158,000 | n/a | 8% | n/a |
| 17 | FAIRWAY INDEPENDENT MORT CORP | 29 | $9.4M | $323,621 | 6.73% | 11% | 0% |
| 18 | loanDepot.com LLC | 26 | $8.5M | $326,538 | 6.38% | 21% | 0% |
| 19 | US BANK, N.A. | 26 | $3.1M | $120,000 | 7.84% | 53% | 0% |
| 20 | Synergy One Lending, Inc. | 24 | $5.8M | $242,083 | 6.54% | 12% | 0% |
| 21 | Mortgage Research Center | 24 | $8.6M | $357,917 | 6.52% | 16% | 0% |
| 22 | Credit Human Federal Credit Un | 23 | $3.1M | $132,826 | 8.57% | 54% | 87% |
| 23 | CROSSCOUNTRY MORTGAGE, LLC | 22 | $7.0M | $318,182 | 6.36% | 4% | 5% |
| 24 | FARMERS BANK | 22 | $2.4M | $106,818 | 8.36% | 11% | 27% |
| 25 | NEW AMERICAN FUNDING, LLC. | 20 | $5.5M | $274,500 | 6.9% | 7% | 0% |
| 26 | VANDERBILT MORTGAGE AND FINANCE, INC | 20 | $2.5M | $126,000 | 10.55% | 37% | 85% |
| 27 | SUMMIT FUNDING.INC | 20 | $4.4M | $219,500 | 6.76% | 6% | 0% |
| 28 | MOVEMENT MORTGAGE, LLC | 20 | $5.6M | $279,000 | 6.62% | 0% | 0% |
| 29 | Kind Lending, LLC | 19 | $5.9M | $312,368 | 6.64% | 15% | 0% |
| 30 | FREEDOM MORTGAGE CORPORATION | 19 | $5.2M | $271,316 | 5.93% | 10% | 0% |
| 31 | ROGUE CREDIT UNION | 18 | $2.0M | $110,000 | 7.74% | 11% | 50% |
| 32 | CMG MORTGAGE INC | 18 | $6.0M | $332,222 | 6.69% | 4% | 0% |
| 33 | GUARANTEED RATE, INC. | 16 | $5.1M | $318,750 | 6.54% | 7% | 0% |
| 34 | Mutual of Omaha Mortgage | 16 | $3.1M | $193,750 | 6.25% | 12% | 0% |
| 35 | Willamette Valley Bank | 16 | $6.1M | $383,750 | 6.33% | 23% | 0% |
| 36 | NEWREZ LLC | 16 | $5.6M | $349,375 | 6.19% | 10% | 0% |
| 37 | Westmark Credit Union | 16 | $2.0M | $124,375 | 6.91% | 18% | 6% |
| 38 | CHURCHILL MORTGAGE CORPORATION | 14 | $4.0M | $282,143 | 6.96% | 14% | 0% |
| 39 | PLANET HOME LENDING, LLC | 14 | $3.7M | $265,000 | 6.56% | 11% | 0% |
| 40 | ARK-LA-TEX FINANCIAL SERVICES LLC | 13 | $2.9M | $226,538 | 6.7% | 0% | 0% |
| 41 | ZIONS BANCORPORATION, N.A. | 12 | $2.1M | $179,167 | 7.02% | 34% | 0% |
| 42 | NFM, INC | 11 | $2.9M | $260,455 | 6.09% | 7% | 0% |
| 43 | CANOPY MORTGAGE, LLC | 11 | $3.5M | $321,364 | 6.53% | 0% | 0% |
| 44 | Highlands Residential Mortgage, Ltd. | 11 | $3.1M | $277,727 | 6.72% | 7% | 0% |
| 45 | FIRST COLONY MORTGAGE CORPORAT | 11 | $2.6M | $239,545 | 6.47% | 0% | 0% |
| 46 | THE BANK OF COMMERCE | 11 | $2.0M | $184,091 | n/a | 0% | n/a |
| 47 | COLUMBIA BANK | 11 | $1.7M | $158,636 | 7.63% | 48% | 0% |
| 48 | First Interstate Bank | 10 | $1.3M | $132,000 | 7.86% | 29% | 0% |
| 49 | CORNERSTONE CAPITAL BANK, SSB | 9 | $1.5M | $166,111 | 7.03% | 0% | 0% |
| 50 | Spokane Teachers Credit Union | 9 | $1.7M | $190,556 | 7.97% | 49% | 0% |
| 51 | PENNYMAC LOAN SERVICES LLC | 9 | $2.5M | $276,111 | 6.36% | 4% | 0% |
| 52 | AMERICA FIRST FEDERAL CREDIT UNION | 8 | $810,000 | $101,250 | 8.64% | 27% | 0% |
| 53 | Banner Bank | 8 | $2.1M | $258,750 | 7.65% | 29% | 0% |
| 54 | NATIONS LENDING CORPORATION | 8 | $2.0M | $255,000 | 6.28% | 20% | 0% |
| 55 | Washington Trust Bank | 8 | $1.4M | $170,000 | 6.94% | 48% | 0% |
| 56 | American Financial Resources LLC | 8 | $2.6M | $322,500 | 6.44% | 13% | 0% |
| 57 | Navy Federal Credit Union | 8 | $1.7M | $213,750 | 7.16% | 29% | 0% |
| 58 | HORIZON CREDIT UNION | 8 | $1.2M | $146,250 | 6.81% | 43% | 0% |
| 59 | THE FEDERAL SAVINGS BANK | 7 | $1.7M | $249,286 | 6.69% | 8% | 0% |
| 60 | PRIMELENDING | 7 | $1.7M | $245,000 | 6.96% | 22% | 0% |
| 61 | Eagle Bank and Trust Company | 7 | $1.9M | $266,429 | 6.27% | 0% | 0% |
| 62 | NUMERICA CREDIT UNION | 7 | $2.8M | $395,000 | 7.31% | 36% | 0% |
| 63 | FRONTIER CREDIT UNION | 6 | $2.8M | $465,000 | 6.77% | 22% | 0% |
| 64 | AMERISAVE MORTGAGE COMPANY | 6 | $1.1M | $181,667 | 6.48% | 84% | 0% |
| 65 | BEEHIVE FEDERAL CREDIT UNION | 6 | $940,000 | $156,667 | 7.48% | 33% | 0% |
| 66 | KEYBANK NATIONAL ASSOCIATION | 6 | $720,000 | $120,000 | 7.19% | 40% | 0% |
| 67 | Sunflower Bank, N.A. | 6 | $1.7M | $288,333 | 6.44% | 0% | 0% |
| 68 | SUN WEST MORTGAGE COMPANY, INC | 6 | $2.0M | $341,667 | 6.12% | 0% | 0% |
| 69 | Advantage Plus FCU | 6 | $1.2M | $195,000 | 6.98% | 8% | 0% |
| 70 | Village Capital & Investment | 6 | $2.2M | $360,000 | 5.91% | 27% | 0% |
| 71 | FINANCE OF AMERICA REVERSE LLC | 5 | $765,000 | $153,000 | 6.38% | 22% | 0% |
| 72 | AdvantageFirst Lending Inc | 5 | $1.9M | $381,000 | 5.95% | 13% | 0% |
| 73 | Global Federal Credit Union | 5 | $2.3M | $469,000 | 6.5% | 0% | 0% |
| 74 | WATERSTONE MORTGAGE CORPORATION | 5 | $1.7M | $345,000 | 6.43% | 11% | 0% |
| 75 | Intercap Lending Inc | 5 | $1.4M | $277,000 | 6.8% | 0% | 0% |
| 76 | SECURITYNATIONAL MORTGAGE COMPANY | 5 | $1.4M | $271,000 | 6.68% | 0% | 0% |
| 77 | VanDyk Mortgage Corporation | 5 | $1.4M | $289,000 | 6.83% | 0% | 0% |
| 78 | GTE FEDERAL CREDIT UNION | 5 | $585,000 | $117,000 | 8.95% | 25% | 0% |
| 79 | PARAMOUNT RESIDENTIAL MORTGAGE | 4 | $1.2M | $297,500 | 6.31% | 0% | 0% |
| 80 | BAYCOAST BANK | 4 | $360,000 | $90,000 | 8.61% | 14% | 100% |
| 81 | MY MOVE MORTGAGE, LLC | 4 | $990,000 | $247,500 | 6.66% | 0% | 0% |
| 82 | Change Lending | 4 | $920,000 | $230,000 | 6.75% | 14% | 0% |
| 83 | PHH Mortgage Corporation | 4 | $800,000 | $200,000 | 6.34% | 0% | 0% |
| 84 | UNION HOME MORTGAGE CORP. | 4 | $1.5M | $365,000 | 6.81% | 0% | 0% |
| 85 | GESA CREDIT UNION | 4 | $1.5M | $385,000 | 6.36% | 42% | 0% |
| 86 | Barrington Bank & Trust Company, N.A. | 4 | $1.4M | $362,500 | 6.75% | 0% | 0% |
| 87 | CAPITAL EDUCATORS FED CU | 3 | $675,000 | $225,000 | n/a | 17% | n/a |
| 88 | Granite Bank | 3 | $1.2M | $408,333 | 6.37% | 0% | 0% |
| 89 | ENVOY MORTGAGE, LTD | 3 | $785,000 | $261,667 | 6.75% | 0% | 0% |
| 90 | CASTLE & COOKE MORTGAGE, LLC | 3 | $645,000 | $215,000 | 7.04% | 0% | 0% |
| 91 | Equity Prime Mortgage LLC | 3 | $1.3M | $441,667 | 6.29% | 0% | 0% |
| 92 | Primary Residential Mortgage, INC. | 3 | $1.2M | $391,667 | 6.71% | 44% | 0% |
| 93 | Boeing Employees' Credit Union | 3 | $485,000 | $161,667 | 7.04% | 38% | 0% |
| 94 | Traditional Mortgage Acceptance Corporation | 3 | $505,000 | $168,333 | 5.83% | 0% | 0% |
| 95 | Click n' Close, Inc. | 3 | $745,000 | $248,333 | 6.13% | 14% | 0% |
| 96 | LONGBRIDGE FINANCIAL, LLC | 3 | $605,000 | $201,667 | 5.63% | 25% | 0% |
| 97 | Mortgage Solutions of Colorado | 3 | $705,000 | $235,000 | 6.5% | 0% | 33% |
| 98 | NATIONS DIRECT MORTGAGE, LLC | 3 | $1.0M | $335,000 | 6.91% | 0% | 0% |
| 99 | CONNECTIONS CREDIT UNION | 3 | $495,000 | $165,000 | 6.32% | 0% | 0% |
| 100 | EVERETT FINANCIAL, INC. | 3 | $925,000 | $308,333 | 5.92% | 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.