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)
5,461
+7.6% vs 2024Originations
$717.7M
+11.3% vs 2024Average loan
$131,429
210 lendersAverage interest rate
8.53%
Denial rate
44%
Home only share
46%
Loans originated by year in LA
Top manufactured home lenders in LA
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 | 21ST MORTGAGE | 1,092 | $125.1M | $114,560 | 10.27% | 49% | 71% |
| 2 | TRIAD FINANCIAL SERVICES, INC. | 605 | $74.1M | $122,521 | 9.07% | 50% | 93% |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC | 488 | $51.9M | $106,393 | 10.38% | 46% | 75% |
| 4 | United Wholesale Mortgage | 187 | $30.1M | $161,203 | 6.49% | 21% | 0% |
| 5 | Equity Prime Mortgage LLC | 149 | $24.8M | $166,208 | 6.18% | 6% | 0% |
| 6 | ROCKET MORTGAGE | 128 | $16.1M | $126,172 | 6.62% | 40% | 0% |
| 7 | HOMELAND FEDERAL SAVINGS BANK | 104 | $17.6M | $169,615 | n/a | 3% | n/a |
| 8 | Eustis Mortgage Corp | 100 | $19.5M | $194,800 | 6.61% | 1% | 0% |
| 9 | American Financial Resources LLC | 93 | $15.2M | $163,817 | 6.53% | 5% | 0% |
| 10 | WINNSBORO STATE BANK & TRUST COMPANY | 87 | $6.8M | $78,218 | n/a | 0% | n/a |
| 11 | LAND HOME FINANCIAL SERVICES, | 84 | $8.9M | $106,190 | 8.72% | 0% | 98% |
| 12 | Evangeline Bank & Trust Company | 83 | $5.8M | $69,458 | 8.3% | 6% | 17% |
| 13 | ASSURANCE FINANCIAL GROUP, L.L.C. | 78 | $12.8M | $163,846 | 6.58% | 17% | 0% |
| 14 | GUILD MORTGAGE COMPANY | 62 | $7.9M | $127,097 | 6.81% | 8% | 0% |
| 15 | Southern Heritage Bank | 60 | $6.2M | $104,000 | n/a | 7% | n/a |
| 16 | SOUTHWEST STAGE FUNDING LLC | 54 | $7.5M | $139,259 | 8.6% | 10% | 78% |
| 17 | MOVEMENT MORTGAGE, LLC | 53 | $7.7M | $145,000 | 7.1% | 0% | 2% |
| 18 | b1BANK | 53 | $12.9M | $242,736 | 8.71% | 12% | 0% |
| 19 | CSL Financial, LLC | 52 | $5.0M | $97,115 | 8.18% | 60% | 100% |
| 20 | CITIZENS BANK AND TRUST CO | 50 | $7.3M | $147,000 | n/a | 0% | n/a |
| 21 | Mortgage Research Center | 48 | $8.8M | $182,500 | 6.55% | 13% | 0% |
| 22 | GUARANTY BANK & TRUST COMPANY OF DELHI, LOUISIANA | 47 | $14.7M | $312,660 | n/a | 2% | n/a |
| 23 | NEWREZ LLC | 47 | $6.9M | $146,702 | 6.64% | 15% | 0% |
| 24 | Citizens Progressive Bank | 46 | $5.6M | $120,870 | n/a | 0% | n/a |
| 25 | CROSSCOUNTRY MORTGAGE, LLC | 44 | $7.1M | $161,591 | 6.58% | 3% | 0% |
| 26 | Community Bank of Louisiana | 43 | $2.9M | $66,860 | n/a | 4% | n/a |
| 27 | JD BANK | 42 | $4.8M | $114,524 | n/a | 22% | n/a |
| 28 | Synergy Bank | 42 | $5.2M | $124,524 | n/a | 11% | n/a |
| 29 | SABINE STATE BANK AND TRUST COMPANY | 41 | $4.6M | $111,098 | n/a | 16% | n/a |
| 30 | UNION HOME MORTGAGE CORP. | 38 | $5.6M | $148,158 | 6.52% | 11% | 0% |
| 31 | CANOPY MORTGAGE, LLC | 37 | $6.7M | $181,216 | 6.63% | 2% | 0% |
| 32 | PLANET HOME LENDING, LLC | 36 | $4.6M | $127,778 | 7.34% | 14% | 0% |
| 33 | MERCHANTS & FARMERS BANK & TC | 34 | $2.7M | $80,588 | n/a | 23% | n/a |
| 34 | Eagle Bank and Trust Company | 33 | $5.2M | $157,121 | 6.74% | 2% | 0% |
| 35 | The Bank | 31 | $2.3M | $74,032 | n/a | 0% | n/a |
| 36 | loanDepot.com LLC | 30 | $3.1M | $103,667 | 7.39% | 39% | 3% |
| 37 | Marion State Bank | 29 | $2.9M | $101,207 | n/a | 3% | n/a |
| 38 | Red River Bank | 28 | $5.4M | $192,500 | 6.96% | 23% | 0% |
| 39 | Commercial Capital Bank | 28 | $8.8M | $315,000 | n/a | 3% | n/a |
| 40 | FREEDOM MORTGAGE CORPORATION | 25 | $3.9M | $157,800 | 6.35% | 13% | 0% |
| 41 | ORIGIN BANK | 25 | $2.8M | $110,600 | 7.85% | 15% | 40% |
| 42 | Citizens Savings Bank | 24 | $1.5M | $62,083 | n/a | 0% | n/a |
| 43 | Credit Human Federal Credit Un | 24 | $1.9M | $79,583 | 8.13% | 86% | 100% |
| 44 | Tammac Holdings Corporation | 24 | $2.1M | $88,750 | 10.04% | 83% | 100% |
| 45 | Gibsland Bank & Trust | 24 | $2.8M | $114,583 | n/a | 14% | n/a |
| 46 | CARDINAL FINANCIAL COMPANY, LI | 23 | $4.9M | $215,000 | 6.18% | 15% | 0% |
| 47 | FAIRWAY INDEPENDENT MORT CORP | 22 | $3.3M | $150,909 | 6.81% | 7% | 0% |
| 48 | Colfax BankingCompany | 22 | $1.6M | $70,455 | n/a | 11% | n/a |
| 49 | Fidelity Bank | 21 | $2.9M | $139,286 | 7.21% | 17% | 0% |
| 50 | Synergy One Lending, Inc. | 20 | $2.9M | $143,500 | 6.95% | 8% | 0% |
| 51 | Exchange Bank & Trust Company | 19 | $4.0M | $211,316 | n/a | 0% | n/a |
| 52 | Farmers-Merchants Bank and Trust | 19 | $595,000 | $31,316 | n/a | 10% | n/a |
| 53 | Kind Lending, LLC | 18 | $2.7M | $152,222 | 6.99% | 13% | 0% |
| 54 | TOWNE MORTGAGE COMPANY | 18 | $3.0M | $166,667 | 6.82% | 13% | 0% |
| 55 | The Cottonport Bank | 18 | $1.7M | $96,111 | n/a | 13% | n/a |
| 56 | Barksdale Federal Credit Union | 17 | $2.1M | $121,471 | 6.45% | 32% | 18% |
| 57 | First National Bank in DeRidder | 16 | $1.6M | $98,750 | n/a | 9% | n/a |
| 58 | Pelican State Credit Union | 15 | $885,000 | $59,000 | 8.9% | 5% | 13% |
| 59 | Southwest Funding LP | 15 | $2.5M | $168,333 | 6.74% | 13% | 0% |
| 60 | Village Capital & Investment | 15 | $2.9M | $195,000 | 6.11% | 9% | 0% |
| 61 | NEW AMERICAN FUNDING, LLC. | 15 | $1.8M | $120,333 | 7.02% | 19% | 0% |
| 62 | Ouachita Valley FCU | 14 | $540,000 | $38,571 | 8.67% | 30% | 64% |
| 63 | Southwest Louisiana Credit Union | 14 | $990,000 | $70,714 | 8.37% | 25% | 36% |
| 64 | The First National Bank of Jeanerette | 13 | $1.6M | $123,462 | n/a | 41% | n/a |
| 65 | BOM Bank | 13 | $915,000 | $70,385 | n/a | 20% | n/a |
| 66 | M C Bank & Trust Company | 13 | $815,000 | $62,692 | n/a | 41% | n/a |
| 67 | Washington State Bank | 13 | $665,000 | $51,154 | n/a | 12% | n/a |
| 68 | Concordia Bank & Trust Co. | 13 | $945,000 | $72,692 | n/a | 11% | n/a |
| 69 | Bank of Zachary | 12 | $4.6M | $383,333 | n/a | 8% | n/a |
| 70 | Navy Federal Credit Union | 12 | $1.7M | $145,000 | 6.88% | 38% | 0% |
| 71 | HOME FEDERAL BANK | 12 | $1.1M | $87,500 | 7.02% | 0% | 0% |
| 72 | Guaranty Bank and Trust Compan | 12 | $1.5M | $128,333 | 9.5% | 7% | 0% |
| 73 | PENNYMAC LOAN SERVICES LLC | 11 | $2.1M | $194,091 | 6.04% | 10% | 0% |
| 74 | Primary Residential Mortgage, INC. | 11 | $1.4M | $131,364 | 7.65% | 0% | 0% |
| 75 | BANK OF COUSHATTA | 11 | $755,000 | $68,636 | n/a | 0% | n/a |
| 76 | Community First Bank | 11 | $735,000 | $66,818 | n/a | 0% | n/a |
| 77 | CLB The Community Bank | 11 | $675,000 | $61,364 | n/a | 8% | n/a |
| 78 | GENWAY HOME MORTGAGE, INC. | 10 | $930,000 | $93,000 | 7.85% | 44% | 0% |
| 79 | ARK-LA-TEX FINANCIAL SERVICES LLC | 10 | $1.8M | $177,000 | 6.95% | 6% | 0% |
| 80 | CMG MORTGAGE INC | 10 | $1.8M | $180,000 | 6.76% | 20% | 0% |
| 81 | Click n' Close, Inc. | 10 | $1.4M | $135,000 | 7.14% | 23% | 0% |
| 82 | Louisiana National Bank | 10 | $570,000 | $57,000 | n/a | 8% | n/a |
| 83 | CSE Federal Credit Union | 9 | $955,000 | $106,111 | n/a | 22% | n/a |
| 84 | AFFORDABLE MORTGAGE ADVISORS | 9 | $1.3M | $141,667 | 6.3% | 0% | 0% |
| 85 | PLAZA HOME MORTGAGE, INC | 9 | $1.1M | $118,333 | 7.33% | 31% | 0% |
| 86 | NATIONS LENDING CORPORATION | 9 | $1.2M | $136,111 | 7.07% | 28% | 0% |
| 87 | Lakeside Bank | 9 | $635,000 | $70,556 | n/a | 23% | n/a |
| 88 | COUNTRYPLACE MORTGAGE, LTD. | 9 | $955,000 | $106,111 | 8.65% | 61% | 100% |
| 89 | Cornerstone First Mortgage, LLC | 8 | $1.2M | $147,500 | 6.63% | 18% | 0% |
| 90 | AMERICAN BANK & TRUST COMPANY | 8 | $610,000 | $76,250 | n/a | 0% | n/a |
| 91 | HOME BANK NATIONAL ASSOCIATION | 8 | $460,000 | $57,500 | 8.33% | 10% | 0% |
| 92 | Bank of Erath | 7 | $235,000 | $33,571 | n/a | 0% | n/a |
| 93 | VERMILION BANK & TRUST COMPANY | 7 | $345,000 | $49,286 | n/a | 0% | n/a |
| 94 | Carrington Mortgage Services LLC | 7 | $745,000 | $106,429 | 6.29% | 40% | 0% |
| 95 | Cadence Bank | 7 | $1.2M | $173,571 | 7.01% | 25% | 0% |
| 96 | Landmark Bank | 6 | $450,000 | $75,000 | n/a | 0% | n/a |
| 97 | GULF COAST BANK AND TRUST | 6 | $1.6M | $258,333 | 7.13% | 38% | 0% |
| 98 | Citizens Bank and Trust Company | 6 | $1.7M | $281,667 | n/a | 0% | n/a |
| 99 | LOWER, LLC | 6 | $880,000 | $146,667 | 6.98% | 13% | 0% |
| 100 | St Landry Bank & Trust Co | 6 | $490,000 | $81,667 | n/a | 14% | n/a |
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.