Market insights

What the data says about manufactured home communities, lending and ownership.

Overview Lenders Community owners

Year State Loan type

2025 annual HMDA filings, loaded Nov 9, 2026. HMDA is published once a year.

Loans originated (2025)

1,382

-0.9% vs 2024

Originations

$165.2M

+0.3% vs 2024

Average loan

$119,522

178 lenders

Average interest rate

8.15%

Denial rate

35%

Home only share

53%

Loans originated by year in KS

2024

1,395

2025

1,382

Top manufactured home lenders in KS

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	335	$13.4M	$39,925	8.59%	30%	100%
2	TRIAD FINANCIAL SERVICES, INC.	119	$6.4M	$53,739	9.08%	54%	98%
3	21ST MORTGAGE	91	$15.7M	$172,582	10.23%	54%	91%
4	ROCKET MORTGAGE	62	$9.7M	$157,097	6.53%	40%	0%
5	Community National Bank & Trust	44	$7.7M	$173,864	8.01%	8%	3%
6	VANDERBILT MORTGAGE AND FINANCE, INC	41	$2.8M	$67,927	11.52%	46%	93%
7	Performance Equity Partners, Inc.	34	$1.4M	$41,765	11.34%	47%	100%
8	FLAT BRANCH MORTGAGE, INC.	31	$4.5M	$144,677	6.75%	0%	0%
9	Mortgage Research Center	26	$5.0M	$192,692	6.85%	10%	0%
10	United Wholesale Mortgage	18	$3.8M	$209,444	6.35%	24%	0%
11	PENNYMAC LOAN SERVICES LLC	17	$3.8M	$222,647	6.39%	16%	0%
12	SOUTHWEST STAGE FUNDING LLC	14	$2.5M	$180,000	8.05%	5%	71%
13	Landmark National Bank	13	$1.5M	$118,077	6.47%	0%	0%
14	CROSSCOUNTRY MORTGAGE, LLC	12	$1.8M	$151,667	6.79%	0%	0%
15	FARM CREDIT MID-AMERICA, ACA	11	$3.5M	$315,000	6.99%	16%	0%
16	GUILD MORTGAGE COMPANY	11	$1.7M	$154,091	6.83%	22%	0%
17	EMPRISE BANK	11	$555,000	$50,455	7.93%	32%	0%
18	Equity Bank	10	$4.2M	$419,000	7.65%	42%	0%
19	VINTAGE BANK KANSAS	10	$730,000	$73,000	n/a	9%	n/a
20	FAIRWAY INDEPENDENT MORT CORP	10	$2.5M	$247,000	6.66%	14%	0%
21	LABETTE BANK	10	$950,000	$95,000	n/a	0%	n/a
22	Farmers and Drovers Bank	9	$1.6M	$177,222	n/a	0%	n/a
23	ARVEST BANK	9	$1.2M	$132,778	6.48%	19%	0%
24	TOWNE MORTGAGE COMPANY	9	$1.6M	$178,333	7.07%	8%	0%
25	American Financial Resources LLC	8	$1.3M	$163,750	6.72%	0%	0%
26	GREAT PLAINS FEDERAL CREDIT UNION	8	$210,000	$26,250	8.72%	50%	100%
27	FREEDOM MORTGAGE CORPORATION	8	$1.4M	$168,750	6.61%	27%	0%
28	KAW VALLEY STATE BANK & TRUST	8	$650,000	$81,250	n/a	11%	n/a
29	Farmers State Bank	8	$530,000	$66,250	n/a	0%	n/a
30	EXCHANGE BANK & TRUST	7	$935,000	$133,571	n/a	18%	n/a
31	Fidelity Bank	7	$1.4M	$195,000	6.61%	0%	0%
32	KAW VALLEY BANK	7	$175,000	$25,000	n/a	0%	n/a
33	LEADERONE FINANCIAL CORP.	7	$1.8M	$250,714	6.58%	11%	0%
34	PRIMELENDING	7	$2.2M	$316,429	7.02%	0%	0%
35	MID AMERICA BANK	7	$875,000	$125,000	7.04%	0%	0%
36	COMMUNITYAMERICA FEDERAL CREDIT UNION	7	$1.0M	$143,571	6.51%	15%	0%
37	GOLDEN PLAINS CREDIT UNION	7	$1.0M	$147,857	6.44%	25%	0%
38	HOME BANK & TRUST CO.	7	$905,000	$129,286	7.18%	0%	0%
39	First Option Bank	7	$925,000	$132,143	n/a	0%	n/a
40	NEW AMERICAN FUNDING, LLC.	7	$1.2M	$169,286	6.77%	13%	0%
41	THE BENNINGTON STATE BANK	6	$1.7M	$290,000	n/a	10%	n/a
42	Bank of Commerce	6	$350,000	$58,333	n/a	22%	n/a
43	Peoples Bank and Trust Co	6	$450,000	$75,000	7.9%	30%	0%
44	ENVISTA FEDERAL CREDIT UNION	5	$585,000	$117,000	6.13%	14%	0%
45	GENEVA FINANCIAL LLC	5	$1.2M	$245,000	6.68%	0%	0%
46	White Eagle Credit Union	5	$455,000	$91,000	n/a	14%	n/a
47	The Citizens State Bank	5	$205,000	$41,000	n/a	0%	n/a
48	GATEWAY FIRST BANK	5	$1.2M	$241,000	6.65%	0%	0%
49	BMO Harris Bank NA	5	$315,000	$63,000	10.35%	33%	0%
50	AMERISAVE MORTGAGE COMPANY	5	$665,000	$133,000	6.4%	65%	0%
51	CARDINAL FINANCIAL COMPANY, LI	5	$655,000	$131,000	6.69%	0%	0%
52	Click n' Close, Inc.	5	$785,000	$157,000	6.97%	0%	0%
53	Stockgrowers State Bank	5	$265,000	$53,000	n/a	0%	n/a
54	BENDENA STATE BANK	5	$425,000	$85,000	n/a	14%	n/a
55	UNION STATE BANK OF EVEREST	5	$555,000	$111,000	n/a	0%	n/a
56	GENWAY HOME MORTGAGE, INC.	5	$35,000	$7,000	8.75%	14%	0%
57	PLANET HOME LENDING, LLC	4	$860,000	$215,000	6.28%	43%	0%
58	Denison State Bank	4	$880,000	$220,000	n/a	0%	n/a
59	Navy Federal Credit Union	4	$460,000	$115,000	7.53%	38%	0%
60	Outdoor Bank	4	$160,000	$40,000	n/a	0%	n/a
61	US BANK, N.A.	4	$470,000	$117,500	7.21%	45%	0%
62	AMERICAN FINANCIAL NETWORK, INC.	4	$430,000	$107,500	6.81%	0%	0%
63	NEWREZ LLC	4	$590,000	$147,500	6.56%	30%	0%
64	CREDIT UNION OF AMERICA	4	$470,000	$117,500	6.53%	72%	0%
65	THE FEDERAL SAVINGS BANK	4	$950,000	$237,500	7%	14%	0%
66	GNBANK, N.A.	4	$560,000	$140,000	n/a	0%	n/a
67	MID AMERICAN CREDIT UNION	4	$500,000	$125,000	7.19%	17%	25%
68	Equity Prime Mortgage LLC	3	$445,000	$148,333	6.29%	0%	0%
69	Community National Bank	3	$705,000	$235,000	n/a	25%	n/a
70	Bank of Commerce & Trust Company	3	$205,000	$68,333	n/a	0%	n/a
71	Bell Bank	3	$945,000	$315,000	6.46%	0%	0%
72	Frontier Community Credit Unio	3	$555,000	$185,000	6.33%	0%	0%
73	Citizens State Bank of Cheney	3	$145,000	$48,333	n/a	0%	n/a
74	First State Bank & Trust	3	$425,000	$141,667	n/a	25%	n/a
75	Citizens Bank of Amsterdam	3	$475,000	$158,333	n/a	0%	n/a
76	FIRST STATE BANK OF ST CHARLES	3	$645,000	$215,000	6.29%	0%	0%
77	Gardner Financial Services	3	$635,000	$211,667	6.42%	0%	0%
78	Riley State Bank	3	$55,000	$18,333	n/a	0%	n/a
79	Village Capital & Investment	3	$675,000	$225,000	5.75%	0%	0%
80	US Mortgage Corporation	3	$505,000	$168,333	7.08%	0%	0%
81	THE FARMERS STATE BANK OF WESTMORELAND	3	$375,000	$125,000	7.17%	0%	0%
82	Kind Lending, LLC	3	$645,000	$215,000	7%	25%	0%
83	Sierra Pacific Mortgage Co. Inc	3	$585,000	$195,000	6.42%	50%	0%
84	WICHITA FEDERAL CREDIT UNION	3	$355,000	$118,333	7.71%	20%	0%
85	NBH Bank	3	$505,000	$168,333	7.42%	33%	0%
86	American Pacific Mortgage Corporation	3	$275,000	$91,667	8.16%	0%	0%
87	loanDepot.com LLC	3	$455,000	$151,667	6.5%	63%	0%
88	UMB BANK NA	2	$100,000	$50,000	7.12%	33%	0%
89	EXCHANGE BANK	2	$430,000	$215,000	6.25%	0%	0%
90	RCB BANK	2	$190,000	$95,000	6.81%	33%	0%
91	Sunflower Bank, N.A.	2	$410,000	$205,000	6.24%	0%	0%
92	CENTRAL NATIONAL BANK	2	$500,000	$250,000	7.31%	0%	0%
93	Regent Financial Group	2	$470,000	$235,000	6.5%	0%	0%
94	Flint Hills Bank	2	$80,000	$40,000	n/a	0%	n/a
95	ESB Financial	2	$260,000	$130,000	6.89%	0%	0%
96	ARK-LA-TEX FINANCIAL SERVICES LLC	2	$460,000	$230,000	6.62%	33%	0%
97	Bank of the Flint Hills	2	$520,000	$260,000	n/a	0%	n/a
98	Gold Star Mortgage Financial Group, Corporation	2	$390,000	$195,000	6.94%	0%	100%
99	MUTUAL SAVINGS ASSOCIATION	2	$150,000	$75,000	n/a	0%	n/a
100	AMERICAN FINANCING CORPORATION	2	$180,000	$90,000	7.75%	67%	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.