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)
5,180
+1.4% vs 2024Originations
$668.0M
+15.8% vs 2024Average loan
$128,958
279 lendersAverage interest rate
7.74%
Denial rate
36%
Home only share
29%
Loans originated by year in IN
Top manufactured home lenders in IN
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 | 514 | $18.1M | $35,136 | 8.48% | 39% | 100% |
| 2 | 21ST MORTGAGE | 465 | $36.2M | $77,839 | 10.79% | 59% | 91% |
| 3 | TRIAD FINANCIAL SERVICES, INC. | 217 | $12.6M | $57,949 | 8.71% | 57% | 98% |
| 4 | ROCKET MORTGAGE | 205 | $32.0M | $155,878 | 6.69% | 34% | 0% |
| 5 | Ruoff Mortgage Company | 204 | $33.0M | $161,912 | 7.02% | 6% | 0% |
| 6 | United Wholesale Mortgage | 144 | $26.3M | $182,917 | 6.31% | 13% | 0% |
| 7 | VANDERBILT MORTGAGE AND FINANCE, INC | 107 | $17.7M | $165,093 | 10.38% | 46% | 47% |
| 8 | FIRST MERCHANTS BANK | 83 | $8.6M | $103,434 | 7.39% | 12% | 0% |
| 9 | GVC MORTGAGE, INC. | 81 | $14.5M | $179,321 | 7% | 4% | 0% |
| 10 | Mortgage Research Center | 79 | $16.4M | $207,658 | 6.6% | 16% | 0% |
| 11 | CENTRA CREDIT UNION | 79 | $9.9M | $125,253 | 6.32% | 8% | 3% |
| 12 | NEWREZ LLC | 71 | $12.8M | $179,789 | 6.56% | 18% | 0% |
| 13 | FAIRWAY INDEPENDENT MORT CORP | 70 | $11.7M | $167,714 | 7.12% | 12% | 0% |
| 14 | FIRST HARRISON BANK | 69 | $6.4M | $92,391 | 7.33% | 7% | 0% |
| 15 | Park Lane Finance SolutionsLLC | 66 | $3.5M | $53,333 | 11.32% | 25% | 100% |
| 16 | GERMAN AMERICAN BANK | 66 | $6.4M | $97,121 | 7.13% | 19% | 0% |
| 17 | HOOSIER HILLS CREDIT UNION | 65 | $5.3M | $81,923 | 7.64% | 15% | 0% |
| 18 | CROSSCOUNTRY MORTGAGE, LLC | 65 | $11.5M | $176,692 | 6.69% | 2% | 0% |
| 19 | UNION HOME MORTGAGE CORP. | 64 | $10.3M | $161,719 | 7% | 3% | 0% |
| 20 | First Financial Bank | 59 | $5.6M | $94,153 | 6.79% | 32% | 0% |
| 21 | CARDINAL FINANCIAL COMPANY, LI | 54 | $8.9M | $164,259 | 7.07% | 3% | 0% |
| 22 | Interra Credit Union | 53 | $7.6M | $143,113 | 7.29% | 16% | 0% |
| 23 | PNC BANK N.A. | 53 | $4.6M | $86,887 | 7.36% | 40% | 0% |
| 24 | FIRST FINANCIAL BANK NA | 49 | $3.0M | $61,122 | 6.47% | 28% | 0% |
| 25 | CMG MORTGAGE INC | 48 | $7.6M | $159,167 | 7.13% | 16% | 0% |
| 26 | HORIZON BANK | 48 | $5.0M | $105,000 | 7.47% | 41% | 36% |
| 27 | American Pacific Mortgage Corporation | 47 | $7.6M | $160,957 | 7.54% | 9% | 0% |
| 28 | NEW AMERICAN FUNDING, LLC. | 45 | $6.0M | $134,333 | 7.17% | 6% | 0% |
| 29 | First Farmers Bank & Trust | 44 | $4.5M | $101,136 | 7.56% | 30% | 0% |
| 30 | Fifth Third Bank, National Association | 44 | $6.0M | $136,364 | 6.46% | 55% | 0% |
| 31 | Liberty Federal Credit Union | 43 | $7.0M | $162,907 | 6.87% | 10% | 0% |
| 32 | Carrington Mortgage Services LLC | 43 | $5.6M | $130,814 | 6.8% | 32% | 0% |
| 33 | loanDepot.com LLC | 42 | $5.5M | $131,190 | 6.97% | 35% | 0% |
| 34 | FREEDOM MORTGAGE CORPORATION | 40 | $7.0M | $174,500 | 6.33% | 17% | 0% |
| 35 | CRANE CREDIT UNION | 40 | $4.2M | $104,750 | 6.75% | 30% | 0% |
| 36 | American Financial Resources LLC | 38 | $7.8M | $205,000 | 6.55% | 2% | 0% |
| 37 | GREENSTATE CREDIT UNION | 36 | $1.8M | $50,278 | 9.33% | 61% | 100% |
| 38 | Equity Prime Mortgage LLC | 36 | $6.1M | $168,611 | 6.55% | 8% | 0% |
| 39 | EVERWISE CREDIT UNION | 35 | $3.1M | $89,857 | 7.39% | 30% | 0% |
| 40 | STOCKTON MORTGAGE CORPORATION | 34 | $6.1M | $180,588 | 6.82% | 10% | 0% |
| 41 | LAKE CITY BANK | 34 | $2.6M | $77,647 | 7.74% | 25% | 0% |
| 42 | THREE RIVERS FEDERAL CREDIIT U | 30 | $3.5M | $115,667 | 7.18% | 10% | 0% |
| 43 | GUILD MORTGAGE COMPANY | 29 | $5.0M | $172,241 | 6.69% | 2% | 0% |
| 44 | AMERICAN FINANCIAL NETWORK, INC. | 29 | $5.4M | $185,690 | 6.79% | 3% | 0% |
| 45 | Industrial Federal C. U. | 29 | $2.1M | $70,862 | n/a | 3% | n/a |
| 46 | 1ST SOURCE BANK | 28 | $2.2M | $79,643 | 7.55% | 31% | 0% |
| 47 | Indiana University CU | 28 | $2.2M | $79,643 | 6.83% | 23% | 4% |
| 48 | FARMERS STATE BANK | 28 | $4.7M | $166,429 | 7.02% | 19% | 0% |
| 49 | Beacon Credit Union | 27 | $2.7M | $100,185 | 7.25% | 17% | 0% |
| 50 | Performance Equity Partners, Inc. | 27 | $1.2M | $43,889 | 12.83% | 65% | 100% |
| 51 | Northwest Bank | 25 | $2.0M | $81,000 | 6.39% | 20% | 0% |
| 52 | Owen County State Bank | 25 | $10.0M | $398,200 | n/a | 28% | n/a |
| 53 | NATIONS LENDING CORPORATION | 24 | $4.4M | $181,667 | 6.36% | 16% | 0% |
| 54 | 1st Signature Lending, LLC | 23 | $5.2M | $225,000 | 5.88% | 11% | 0% |
| 55 | The Farmers Bank | 22 | $2.0M | $92,727 | n/a | 15% | n/a |
| 56 | FCN Bank | 22 | $2.4M | $110,455 | n/a | 8% | n/a |
| 57 | AMERISAVE MORTGAGE COMPANY | 21 | $3.0M | $142,619 | 6.79% | 63% | 0% |
| 58 | Wolfe Financial Inc | 20 | $3.6M | $181,500 | 7.02% | 0% | 0% |
| 59 | JACKSON COUNTY BANK | 19 | $2.5M | $133,947 | 6.74% | 32% | 0% |
| 60 | Mortgage Masters of Indiana Inc | 19 | $3.6M | $187,632 | 6.69% | 0% | 0% |
| 61 | PENNYMAC LOAN SERVICES LLC | 18 | $3.2M | $176,111 | 6.25% | 6% | 0% |
| 62 | THE FRIENDSHIP STATE BANK | 17 | $1.2M | $73,235 | 8.92% | 14% | 6% |
| 63 | GENEVA FINANCIAL LLC | 17 | $2.8M | $163,235 | 6.81% | 11% | 0% |
| 64 | First Federal Savings Bank | 17 | $2.6M | $153,824 | 6.82% | 5% | 0% |
| 65 | Acre Mortgage & Financial, Inc. | 17 | $4.8M | $285,000 | 6.87% | 4% | 0% |
| 66 | PLANET HOME LENDING, LLC | 16 | $2.3M | $143,125 | 6.74% | 0% | 0% |
| 67 | Old National Bank | 16 | $2.7M | $166,250 | 6.63% | 36% | 0% |
| 68 | NORTH SALEM STATE BANK | 16 | $1.9M | $119,375 | n/a | 0% | n/a |
| 69 | SOUTHWEST STAGE FUNDING LLC | 14 | $1.7M | $121,429 | 8.36% | 15% | 71% |
| 70 | Luminate Bank | 14 | $2.1M | $148,571 | 6.91% | 0% | 0% |
| 71 | The Campbell & Fetter Bank | 14 | $2.1M | $147,143 | n/a | 7% | n/a |
| 72 | LOWER, LLC | 14 | $2.3M | $165,714 | 6.9% | 11% | 0% |
| 73 | Navy Federal Credit Union | 13 | $2.3M | $180,385 | 6.52% | 43% | 0% |
| 74 | COUNTRYPLACE MORTGAGE, LTD. | 13 | $1.2M | $90,385 | 5.28% | 11% | 92% |
| 75 | DIAMOND RESIDENTIAL MTG CORP | 13 | $2.6M | $197,308 | 6.91% | 0% | 0% |
| 76 | Village Capital & Investment | 12 | $2.5M | $210,000 | 5.83% | 12% | 0% |
| 77 | MidWest America Federal Credit Union | 12 | $1.3M | $108,333 | 6.87% | 19% | 0% |
| 78 | Credit Human Federal Credit Un | 12 | $1.0M | $85,000 | 9.03% | 68% | 92% |
| 79 | Meade County Bank | 12 | $1.9M | $159,167 | n/a | 40% | n/a |
| 80 | GUARANTEED RATE, INC. | 12 | $2.3M | $189,167 | 6.49% | 22% | 0% |
| 81 | PLAZA HOME MORTGAGE, INC | 12 | $2.3M | $194,167 | 6.64% | 18% | 0% |
| 82 | VanDyk Mortgage Corporation | 12 | $2.3M | $192,500 | 6.71% | 0% | 0% |
| 83 | LEADERONE FINANCIAL CORP. | 12 | $2.3M | $187,500 | 7.06% | 13% | 0% |
| 84 | Kind Lending, LLC | 12 | $2.3M | $187,500 | 6.96% | 20% | 0% |
| 85 | KIAVI FUNDING, INC. | 12 | $1.8M | $149,167 | 10.02% | 13% | 0% |
| 86 | CENTIER BANK | 12 | $2.4M | $202,500 | 6.82% | 6% | 0% |
| 87 | PHH Mortgage Corporation | 12 | $2.1M | $179,167 | 6.65% | 9% | 0% |
| 88 | HERITAGE FEDERAL CREDIT UNION | 12 | $1.2M | $97,500 | 7.34% | 29% | 0% |
| 89 | GENWAY HOME MORTGAGE, INC. | 11 | $335,000 | $30,455 | 8.5% | 25% | 0% |
| 90 | FARM CREDIT MID-AMERICA, ACA | 11 | $2.8M | $257,727 | 7.42% | 6% | 0% |
| 91 | PROSPERITY HOME MORTGAGE, LLC | 11 | $1.9M | $175,909 | 6.76% | 6% | 0% |
| 92 | FARMERS BANK OF MILTON | 10 | $1.3M | $127,000 | n/a | 0% | n/a |
| 93 | The Farmers & Merchants State Bank | 10 | $1.3M | $125,000 | 7.6% | 21% | 0% |
| 94 | Tech Credit Union | 10 | $1.4M | $140,000 | 7.1% | 9% | 10% |
| 95 | SECURITY FEDERAL SAVINGS BANK | 10 | $670,000 | $67,000 | 6.01% | 9% | 0% |
| 96 | EVERETT FINANCIAL, INC. | 10 | $1.9M | $194,000 | 6.72% | 0% | 0% |
| 97 | Northpointe Bank | 9 | $1.1M | $117,222 | 6.64% | 13% | 0% |
| 98 | PROFED FEDERAL CREDIT UNION | 9 | $1.1M | $127,222 | 6.76% | 24% | 0% |
| 99 | Mutual of Omaha Mortgage | 9 | $1.5M | $162,778 | 6.43% | 22% | 0% |
| 100 | DIRECT MORTGAGE LOANS, LLC | 9 | $1.5M | $170,556 | 6.69% | 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.