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)
1,919
+2.8% vs 2024Originations
$207.1M
+2.0% vs 2024Average loan
$107,929
188 lendersAverage interest rate
8.65%
Denial rate
45%
Home only share
55%
Loans originated by year in IL
Top manufactured home lenders in IL
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 | Zippy Loans, LLC | 282 | $8.6M | $30,390 | 8.37% | 39% | 100% |
| 2 | 21ST MORTGAGE | 255 | $20.0M | $78,608 | 11.09% | 58% | 89% |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC | 120 | $15.8M | $132,000 | 9.96% | 43% | 49% |
| 4 | TRIAD FINANCIAL SERVICES, INC. | 117 | $7.8M | $66,453 | 9.32% | 66% | 99% |
| 5 | Performance Equity Partners, Inc. | 87 | $3.9M | $44,885 | 13.28% | 61% | 100% |
| 6 | GREENSTATE CREDIT UNION | 65 | $3.7M | $56,385 | 8.92% | 53% | 92% |
| 7 | ROCKET MORTGAGE | 62 | $7.0M | $113,226 | 6.7% | 37% | 0% |
| 8 | City National Bank | 43 | $4.3M | $99,884 | n/a | 6% | n/a |
| 9 | NEW AMERICAN FUNDING, LLC. | 35 | $4.3M | $123,286 | 6.96% | 13% | 0% |
| 10 | Credit Human Federal Credit Un | 34 | $2.9M | $84,706 | 8.8% | 63% | 100% |
| 11 | Peoples National Bank, N.A. | 31 | $3.8M | $121,452 | 6.76% | 20% | 0% |
| 12 | FLAT BRANCH MORTGAGE, INC. | 26 | $4.0M | $153,462 | 6.71% | 0% | 0% |
| 13 | Mortgage Research Center | 23 | $4.0M | $172,391 | 6.68% | 18% | 0% |
| 14 | FCB BANKS | 23 | $1.8M | $76,739 | 7.02% | 6% | 0% |
| 15 | United Wholesale Mortgage | 23 | $4.4M | $193,261 | 6.55% | 29% | 0% |
| 16 | GUILD MORTGAGE COMPANY | 22 | $3.1M | $143,182 | 6.67% | 11% | 0% |
| 17 | First Mid Bank and Trust, NA | 19 | $5.9M | $308,684 | 7.3% | 31% | 6% |
| 18 | FirstTrust Home Loans | 17 | $2.8M | $162,647 | 6.67% | 5% | 0% |
| 19 | CROSSCOUNTRY MORTGAGE, LLC | 16 | $2.4M | $149,375 | 6.65% | 3% | 0% |
| 20 | FIRST FINANCIAL BANK NA | 15 | $1.0M | $67,000 | 7% | 38% | 0% |
| 21 | US BANK, N.A. | 15 | $1.8M | $123,000 | 6.58% | 50% | 0% |
| 22 | Resource Bank N.A. | 15 | $825,000 | $55,000 | n/a | 12% | n/a |
| 23 | Farmers State Bank of Alto Pass | 15 | $1.8M | $119,667 | n/a | 0% | n/a |
| 24 | Cornerstone Credit Union | 14 | $440,000 | $31,429 | 6.73% | 17% | 43% |
| 25 | GERSHMAN INVESTMENT CORP. | 13 | $2.3M | $178,846 | 6.81% | 14% | 0% |
| 26 | Petefish, Skiles, & Company Bank | 13 | $1.5M | $118,077 | 7.38% | 27% | 0% |
| 27 | CNB BANK & TRUST, N.A. | 13 | $1.1M | $86,538 | 7.09% | 16% | 8% |
| 28 | Williamsville State Bank & Trust | 12 | $530,000 | $44,167 | n/a | 6% | n/a |
| 29 | GUARANTEED RATE, INC. | 12 | $2.0M | $170,000 | 6.59% | 4% | 0% |
| 30 | TrustBank | 11 | $835,000 | $75,909 | n/a | 7% | n/a |
| 31 | DIETERICH BANK | 11 | $1.8M | $167,727 | n/a | 20% | n/a |
| 32 | loanDepot.com LLC | 11 | $1.4M | $127,727 | 7.09% | 40% | 0% |
| 33 | Longview Bank | 10 | $740,000 | $74,000 | n/a | 0% | n/a |
| 34 | The FNB Community Bank | 10 | $910,000 | $91,000 | n/a | 8% | n/a |
| 35 | UNITED COMMUNITY BANK | 10 | $1.0M | $102,000 | 6.96% | 15% | 10% |
| 36 | The Peoples State Bank of Newton | 8 | $790,000 | $98,750 | n/a | 0% | n/a |
| 37 | COMMUNITY PARTNERS SAVINGS BANK | 8 | $810,000 | $101,250 | n/a | 21% | n/a |
| 38 | PENNYMAC LOAN SERVICES LLC | 8 | $1.3M | $160,000 | 6.2% | 22% | 0% |
| 39 | Premier Mortgage Resources, LLC | 8 | $1.1M | $131,250 | 7.37% | 7% | 0% |
| 40 | Equity Prime Mortgage LLC | 8 | $1.2M | $148,750 | 7.02% | 0% | 0% |
| 41 | Citizens Community Bank | 8 | $400,000 | $50,000 | n/a | 20% | n/a |
| 42 | Fifth Third Bank, National Association | 8 | $5.7M | $713,750 | 6.6% | 58% | 0% |
| 43 | FAIRWAY INDEPENDENT MORT CORP | 8 | $850,000 | $106,250 | 6.92% | 0% | 0% |
| 44 | AMERISAVE MORTGAGE COMPANY | 8 | $1.0M | $126,250 | 6.41% | 76% | 0% |
| 45 | PNC BANK N.A. | 7 | $555,000 | $79,286 | 9.41% | 38% | 0% |
| 46 | NEWREZ LLC | 7 | $1.1M | $150,714 | 6.77% | 30% | 0% |
| 47 | SOUTHWEST STAGE FUNDING LLC | 7 | $795,000 | $113,571 | 8.86% | 6% | 71% |
| 48 | FIRST NATIONAL BANK OF WATERLOO | 7 | $585,000 | $83,571 | 7.5% | 0% | 0% |
| 49 | Endeavor Capital, LLC | 7 | $1.0M | $147,857 | 7.03% | 8% | 0% |
| 50 | Warren Boynton State Bank | 7 | $405,000 | $57,857 | n/a | 0% | n/a |
| 51 | Bank & Trust Company | 6 | $670,000 | $111,667 | n/a | 30% | n/a |
| 52 | Ruoff Mortgage Company | 6 | $810,000 | $135,000 | 7.23% | 14% | 0% |
| 53 | GENWAY HOME MORTGAGE, INC. | 6 | $50,000 | $8,333 | 9.75% | 32% | 0% |
| 54 | FIRST STATE BANK OF FORREST | 6 | $180,000 | $30,000 | n/a | 33% | n/a |
| 55 | State Bank | 5 | $565,000 | $113,000 | n/a | 0% | n/a |
| 56 | DAS ACQUISITION COMPANY, LLC | 5 | $545,000 | $109,000 | 6.85% | 10% | 0% |
| 57 | Southern Bank | 5 | $645,000 | $129,000 | 7.5% | 13% | 0% |
| 58 | NATIONS LENDING CORPORATION | 5 | $625,000 | $125,000 | 6.48% | 0% | 0% |
| 59 | The Bank of Herrin | 5 | $445,000 | $89,000 | n/a | 0% | n/a |
| 60 | 1NB Bank | 5 | $525,000 | $105,000 | n/a | 0% | n/a |
| 61 | The Gifford State Bank | 5 | $375,000 | $75,000 | n/a | 0% | n/a |
| 62 | PLANET HOME LENDING, LLC | 5 | $895,000 | $179,000 | 6.67% | 17% | 0% |
| 63 | American Financial Resources LLC | 5 | $815,000 | $163,000 | 6.55% | 0% | 0% |
| 64 | COUNTRYPLACE MORTGAGE, LTD. | 4 | $110,000 | $27,500 | 7.72% | 50% | 100% |
| 65 | Iroquois Federal Savings & Loan Association | 4 | $220,000 | $55,000 | n/a | 33% | n/a |
| 66 | Ipava State Bank | 4 | $320,000 | $80,000 | n/a | 0% | n/a |
| 67 | State Bank of Toulon | 4 | $100,000 | $25,000 | n/a | 0% | n/a |
| 68 | THE BRADFORD NATIONAL BANK OF GREENVILLE | 4 | $440,000 | $110,000 | n/a | 25% | n/a |
| 69 | Flanagan State Bank | 4 | $1.5M | $372,500 | 7.63% | 43% | 0% |
| 70 | NATIONS DIRECT MORTGAGE, LLC | 4 | $620,000 | $155,000 | 6.84% | 0% | 0% |
| 71 | First Bank of Manhattan | 4 | $250,000 | $62,500 | n/a | 17% | n/a |
| 72 | CARDINAL FINANCIAL COMPANY, LI | 4 | $730,000 | $182,500 | 6.06% | 20% | 0% |
| 73 | Bank of Springfield | 4 | $530,000 | $132,500 | 6.23% | 20% | 0% |
| 74 | Associated Bank NA | 4 | $270,000 | $67,500 | 7.41% | 38% | 0% |
| 75 | FIRST NATIONAL BANK OF RAYMOND | 4 | $60,000 | $15,000 | 8% | 33% | 0% |
| 76 | Central Bank Illinois | 4 | $140,000 | $35,000 | n/a | 20% | n/a |
| 77 | AFFORDABLE MORTGAGE ADVISORS | 4 | $430,000 | $107,500 | 7.06% | 0% | 0% |
| 78 | Five Star Bank | 3 | $3.6M | $1,211,667 | n/a | 0% | n/a |
| 79 | FIRST BANKERS TRUST COMPANY | 3 | $1.5M | $511,667 | 7.61% | 0% | n/a |
| 80 | BANK OF KAMPSVILLE | 3 | $215,000 | $71,667 | n/a | 33% | n/a |
| 81 | Better Banks | 3 | $85,000 | $28,333 | n/a | 0% | n/a |
| 82 | Scott Credit Union | 3 | $405,000 | $135,000 | 6.54% | 40% | 0% |
| 83 | ARK-LA-TEX FINANCIAL SERVICES LLC | 3 | $545,000 | $181,667 | 6.29% | 0% | 0% |
| 84 | The Fisher National Bank | 3 | $155,000 | $51,667 | n/a | 0% | n/a |
| 85 | Old National Bank | 3 | $1.0M | $345,000 | 6.48% | 50% | 0% |
| 86 | THE FEDERAL SAVINGS BANK | 3 | $675,000 | $225,000 | 7.92% | 0% | 0% |
| 87 | BUENA VISTA NATIONAL BANK | 3 | $135,000 | $45,000 | n/a | 0% | n/a |
| 88 | PROVIDENCE BANK & TRUST | 3 | $3.9M | $1,295,000 | 6.73% | 25% | n/a |
| 89 | INB, NATIONAL ASSOCIATION | 3 | $375,000 | $125,000 | 6.81% | 25% | 0% |
| 90 | First National Bank of Ava | 3 | $205,000 | $68,333 | n/a | 14% | n/a |
| 91 | FIRST COMMUNITY CREDIT UNION | 3 | $185,000 | $61,667 | 6.55% | 0% | 0% |
| 92 | First Farmers Bank & Trust | 3 | $295,000 | $98,333 | 8.21% | 33% | 0% |
| 93 | CITIZENS EQUITY FIRST CREDIT U | 3 | $335,000 | $111,667 | 5.96% | 14% | 0% |
| 94 | Barrington Bank & Trust Company, N.A. | 3 | $375,000 | $125,000 | 6.83% | 38% | 0% |
| 95 | Navy Federal Credit Union | 2 | $210,000 | $105,000 | 7.19% | 50% | 0% |
| 96 | FIRST STATE BANK OF ST CHARLES | 2 | $320,000 | $160,000 | 6.75% | 0% | 0% |
| 97 | Village Capital & Investment | 2 | $270,000 | $135,000 | 6.12% | 20% | 0% |
| 98 | CASTLE & COOKE MORTGAGE, LLC | 2 | $270,000 | $135,000 | 6.87% | 0% | 0% |
| 99 | NATIONAL BANK OF ST ANNE | 2 | $200,000 | $100,000 | n/a | 0% | n/a |
| 100 | GERMAN AMERICAN BANK | 2 | $180,000 | $90,000 | 7.19% | 25% | 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.