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)
5,745
+9.0% vs 2024Originations
$757.9M
+15.9% vs 2024Average loan
$131,919
262 lendersAverage interest rate
7.82%
Denial rate
42%
Home only share
24%
Loans originated by year in KY
Top manufactured home lenders in KY
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 | VANDERBILT MORTGAGE AND FINANCE, INC | 916 | $115.9M | $126,539 | 10.13% | 46% | 57% |
| 2 | 21ST MORTGAGE | 504 | $60.2M | $119,444 | 10.14% | 48% | 69% |
| 3 | Community Trust Bank, Inc. | 339 | $40.3M | $118,864 | 6.66% | 17% | 1% |
| 4 | ROCKET MORTGAGE | 239 | $36.8M | $153,912 | 6.65% | 38% | 0% |
| 5 | United Wholesale Mortgage | 195 | $37.7M | $193,103 | 6.32% | 15% | 0% |
| 6 | STOCKTON MORTGAGE CORPORATION | 162 | $27.9M | $172,531 | 6.7% | 11% | 0% |
| 7 | NEW AMERICAN FUNDING, LLC. | 123 | $15.3M | $124,512 | 6.17% | 10% | 0% |
| 8 | Mortgage Research Center | 103 | $20.6M | $200,146 | 6.62% | 20% | 0% |
| 9 | FIRSTBANK | 96 | $9.6M | $99,792 | 8.71% | 59% | 71% |
| 10 | US BANK, N.A. | 87 | $8.5M | $97,529 | 6.48% | 45% | 0% |
| 11 | EVERETT FINANCIAL, INC. | 78 | $7.3M | $93,462 | 5.39% | 6% | 0% |
| 12 | SOUTH CENTRAL BANK INC | 74 | $8.7M | $117,432 | 7.33% | 17% | 0% |
| 13 | TRIAD FINANCIAL SERVICES, INC. | 74 | $6.1M | $82,432 | 9.22% | 60% | 91% |
| 14 | Liberty Federal Credit Union | 72 | $11.4M | $158,194 | 6.6% | 5% | 0% |
| 15 | CROSSCOUNTRY MORTGAGE, LLC | 64 | $10.7M | $167,031 | 6.61% | 5% | 0% |
| 16 | WHITAKER BANK INC | 64 | $5.9M | $92,188 | 6.47% | 7% | 0% |
| 17 | Commonwealth Federal Credit Union | 62 | $5.9M | $94,516 | 7.58% | 34% | 0% |
| 18 | The Cecilian Bank | 62 | $5.8M | $94,194 | 8.67% | 14% | 0% |
| 19 | Park Lane Finance SolutionsLLC | 57 | $3.7M | $64,298 | 11.52% | 33% | 100% |
| 20 | GERSHMAN INVESTMENT CORP. | 56 | $6.5M | $115,179 | 6.06% | 6% | 0% |
| 21 | Traditional Bank Inc | 56 | $5.3M | $94,107 | 7.47% | 11% | 9% |
| 22 | UNION HOME MORTGAGE CORP. | 50 | $8.9M | $178,600 | 6.65% | 9% | 0% |
| 23 | Peoples Bank of Kentucky, Inc | 49 | $4.0M | $81,939 | n/a | 15% | n/a |
| 24 | American Financial Resources LLC | 49 | $8.9M | $180,918 | 6.64% | 12% | 0% |
| 25 | SOUTHWEST STAGE FUNDING LLC | 47 | $6.6M | $140,957 | 8.44% | 4% | 91% |
| 26 | Credit Human Federal Credit Un | 44 | $4.8M | $108,864 | 8.32% | 89% | 98% |
| 27 | 1st Signature Lending, LLC | 44 | $10.3M | $235,227 | 5.79% | 2% | 0% |
| 28 | GERMAN AMERICAN BANK | 44 | $4.9M | $110,455 | 7.05% | 31% | 0% |
| 29 | T2 FINANCIAL LLC | 39 | $7.2M | $183,462 | 6.37% | 14% | 0% |
| 30 | Meade County Bank | 39 | $4.6M | $118,590 | n/a | 17% | n/a |
| 31 | First National Bank of Grayson | 39 | $2.2M | $55,513 | n/a | 22% | n/a |
| 32 | EDMONTON STATE BANK | 38 | $3.2M | $85,000 | n/a | 21% | n/a |
| 33 | Equity Prime Mortgage LLC | 37 | $5.8M | $157,973 | 6.82% | 9% | 0% |
| 34 | Republic State Mortgage Company | 37 | $5.9M | $159,324 | 6.36% | 9% | 0% |
| 35 | West Point Bank | 35 | $3.5M | $98,714 | n/a | 24% | n/a |
| 36 | FIRST SOUTHERN NATIONAL BANK | 31 | $2.7M | $85,968 | 7.3% | 3% | 0% |
| 37 | Peoples Bank | 31 | $2.3M | $75,645 | 7.54% | 36% | 0% |
| 38 | Zippy Loans, LLC | 30 | $1.1M | $36,333 | 10% | 39% | 100% |
| 39 | STOCK YARDS BANK & TRUST COMPANY | 30 | $3.3M | $111,333 | 6.27% | 25% | 0% |
| 40 | INDEPENDENCE BANK OF KENTUCKY | 30 | $2.9M | $95,333 | 7.15% | 18% | 0% |
| 41 | NEWREZ LLC | 30 | $6.0M | $200,333 | 6.51% | 26% | 0% |
| 42 | Fifth Third Bank, National Association | 29 | $4.2M | $144,310 | 6.21% | 45% | 0% |
| 43 | The Citizens National Bank of Somerset | 28 | $2.8M | $100,357 | n/a | 21% | n/a |
| 44 | CSL Financial, LLC | 28 | $2.8M | $100,714 | 8.75% | 51% | 100% |
| 45 | THE LINCOLN NATIONAL BANK OF HODGENVILLE | 28 | $3.5M | $126,071 | n/a | 3% | n/a |
| 46 | FREEDOM MORTGAGE CORPORATION | 28 | $5.2M | $186,071 | 6.35% | 27% | 0% |
| 47 | MAGNOLIA BANK | 27 | $4.3M | $158,704 | 6.7% | 13% | 0% |
| 48 | Commercial Bank of Grayson | 27 | $2.4M | $87,222 | n/a | 0% | n/a |
| 49 | ATLANTIC BAY MORTGAGE GROUP | 27 | $3.6M | $132,407 | 6.05% | 9% | 0% |
| 50 | CARDINAL FINANCIAL COMPANY, LI | 25 | $5.2M | $206,200 | 6.25% | 12% | 0% |
| 51 | Kind Lending, LLC | 24 | $3.7M | $155,417 | 6.95% | 18% | 0% |
| 52 | Northpointe Bank | 24 | $3.6M | $151,250 | 5.98% | 20% | 0% |
| 53 | Primary Residential Mortgage, INC. | 23 | $2.8M | $121,522 | 5.64% | 0% | 0% |
| 54 | BEDFORD LOAN & DEPOSIT BANK | 23 | $2.5M | $107,174 | n/a | 0% | n/a |
| 55 | AMERISAVE MORTGAGE COMPANY | 22 | $3.0M | $135,909 | 7.07% | 73% | 0% |
| 56 | Navy Federal Credit Union | 22 | $4.1M | $187,273 | 6.55% | 24% | 0% |
| 57 | MOVEMENT MORTGAGE, LLC | 22 | $2.2M | $101,364 | 6.35% | 0% | 0% |
| 58 | Farmers Bank and Trust Company | 21 | $1.2M | $55,000 | n/a | 14% | n/a |
| 59 | PNC BANK N.A. | 20 | $2.2M | $109,000 | 7.12% | 43% | 0% |
| 60 | loanDepot.com LLC | 20 | $2.1M | $104,500 | 7.02% | 35% | 5% |
| 61 | PROSPERITY HOME MORTGAGE, LLC | 19 | $2.7M | $142,895 | 5.82% | 24% | 0% |
| 62 | NATIONS LENDING CORPORATION | 18 | $3.1M | $173,889 | 6.42% | 17% | 0% |
| 63 | L&N FEDERAL CREDIT UNION | 18 | $2.1M | $118,889 | 6.9% | 26% | 0% |
| 64 | Tammac Holdings Corporation | 18 | $1.4M | $80,000 | 9.7% | 77% | 100% |
| 65 | Carrington Mortgage Services LLC | 17 | $2.9M | $170,294 | 6.86% | 27% | 0% |
| 66 | The Peoples Bank | 17 | $5.6M | $326,765 | 7.65% | 5% | 0% |
| 67 | Bank of Edmonson County | 17 | $1.7M | $98,529 | n/a | 0% | n/a |
| 68 | Village Capital & Investment | 16 | $3.3M | $204,375 | 5.97% | 15% | 0% |
| 69 | SUCCESS MORTGAGE PARTNERS, INC | 16 | $1.9M | $121,250 | 5.69% | 0% | 0% |
| 70 | CMG MORTGAGE INC | 16 | $2.3M | $142,500 | 5.99% | 0% | 0% |
| 71 | FIRST HARRISON BANK | 16 | $2.5M | $158,750 | 7.85% | 19% | 0% |
| 72 | TRUIST BANK | 16 | $1.9M | $116,875 | 6.43% | 24% | 0% |
| 73 | PENNYMAC LOAN SERVICES LLC | 16 | $3.3M | $203,750 | 6.08% | 17% | 0% |
| 74 | PLANET HOME LENDING, LLC | 15 | $2.6M | $173,000 | 6.62% | 17% | 0% |
| 75 | MONTICELLO BANKING COMPANY | 15 | $1.5M | $99,000 | n/a | 24% | n/a |
| 76 | GUARANTEED RATE, INC. | 15 | $3.2M | $213,667 | 6.58% | 26% | 0% |
| 77 | UNIVERSITY OF KY FCU | 14 | $880,000 | $62,857 | 7.5% | 32% | 0% |
| 78 | First National Bank of Kentucky | 14 | $1.5M | $109,286 | n/a | 18% | n/a |
| 79 | FIRST COMMUNITY MORTGAGE, INC. | 14 | $2.4M | $170,000 | 6.93% | 16% | 0% |
| 80 | The First National Bank of Brooksville | 14 | $930,000 | $66,429 | n/a | 33% | n/a |
| 81 | ARK-LA-TEX FINANCIAL SERVICES LLC | 13 | $2.3M | $178,077 | 6.63% | 22% | 0% |
| 82 | Members Choice Credit Union | 13 | $1.6M | $119,615 | n/a | 6% | n/a |
| 83 | Heritage Bank, INC | 12 | $590,000 | $49,167 | n/a | 32% | n/a |
| 84 | Forcht Bank, N.A. | 12 | $1.2M | $100,000 | 7.58% | 32% | 0% |
| 85 | LOWER, LLC | 12 | $1.9M | $155,000 | 6.43% | 22% | 0% |
| 86 | FNB Bank Inc | 11 | $955,000 | $86,818 | n/a | 0% | n/a |
| 87 | CHURCHILL MORTGAGE CORPORATION | 11 | $1.1M | $95,909 | 5.49% | 0% | 0% |
| 88 | NFM, INC | 11 | $1.9M | $172,273 | 7.12% | 0% | 0% |
| 89 | GOPRIME MORTGAGE, INC. | 11 | $1.6M | $143,182 | 6.82% | 29% | 0% |
| 90 | GUILD MORTGAGE COMPANY | 11 | $1.2M | $112,273 | 6.18% | 6% | 0% |
| 91 | TOWNE MORTGAGE COMPANY | 11 | $1.7M | $156,818 | 6.87% | 13% | 0% |
| 92 | WESBANCO BANK, INC. | 11 | $1.2M | $110,455 | 5.55% | 30% | 0% |
| 93 | FIRST FINANCIAL BANK NA | 11 | $795,000 | $72,273 | 6.09% | 43% | 9% |
| 94 | Ruoff Mortgage Company | 11 | $1.8M | $167,727 | 6.56% | 22% | 0% |
| 95 | Performance Equity Partners, Inc. | 11 | $635,000 | $57,727 | 12.63% | 63% | 100% |
| 96 | DAS ACQUISITION COMPANY, LLC | 11 | $2.0M | $185,909 | 6.53% | 0% | 0% |
| 97 | Kentucky Farmers Bank Corporation | 11 | $1.2M | $107,727 | n/a | 13% | n/a |
| 98 | BAY EQUITY LLC | 10 | $1.1M | $108,000 | 5.11% | 13% | 0% |
| 99 | Central Bank & Trust Co | 10 | $1.3M | $130,000 | 7.2% | 11% | 0% |
| 100 | ABOUND FEDERAL CREDIT UNION | 10 | $820,000 | $82,000 | 5.63% | 44% | 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.