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.
305
-1.9% vs 2024$49.8M
-42.0% vs 2024$163,361
38 lenders6.94%
20%
93%
Loans originated by year in MA
Top manufactured home lenders in MA
Select a column heading to re-rank. Select a lender to analyze it. Originations are inferred as loans times average loan. Showing the 38 largest lenders.
| # | |||||||
|---|---|---|---|---|---|---|---|
| 1 | METRO CREDIT UNION | 85 | $9.8M | $114,765 | 6.84% | 13% | 100% |
| 2 | Somerset Federal Credit Union | 72 | $10.8M | $149,722 | 5.99% | 10% | 100% |
| 3 | FALL RIVER MUNICIPAL CREDIT UN | 39 | $5.1M | $130,641 | 7.01% | 16% | 100% |
| 4 | Bluestone Bank | 19 | $3.5M | $183,421 | n/a | 4% | n/a |
| 5 | BAYCOAST BANK | 17 | $1.4M | $85,000 | 8.68% | 12% | 100% |
| 6 | OCEAN STATE CREDIT UNION | 8 | $1.4M | $175,000 | 7.41% | 43% | 100% |
| 7 | WESTERLY COMMUNITY CREDIT UNION | 7 | $1.3M | $187,857 | 7.77% | 5% | 100% |
| 8 | ALL ONE CREDIT UNION | 6 | $580,000 | $96,667 | n/a | 65% | n/a |
| 9 | Bellwether Community Credit Union | 6 | $620,000 | $103,333 | 8.41% | 10% | 100% |
| 10 | GREENWOOD CREDIT UNION | 5 | $575,000 | $115,000 | 9.64% | 0% | 100% |
| 11 | ADAMS COMMUNITY BANK | 4 | $390,000 | $97,500 | 7.16% | 0% | 0% |
| 12 | Southbridge Credit Union | 3 | $265,000 | $88,333 | n/a | 40% | n/a |
| 13 | UNIBANK FOR SAVINGS | 3 | $385,000 | $128,333 | 7.25% | 18% | 100% |
| 14 | NEW AMERICAN FUNDING, LLC. | 2 | $380,000 | $190,000 | 7.06% | 38% | 0% |
| 15 | Athol Savings Bank | 2 | $870,000 | $435,000 | n/a | 0% | n/a |
| 16 | TRIAD FINANCIAL SERVICES, INC. | 2 | $180,000 | $90,000 | 10.34% | 77% | 100% |
| 17 | FIRST NATIONAL BANK OF AMERICA | 2 | $330,000 | $165,000 | 9.75% | 25% | 0% |
| 18 | STONEHAMBANK - A CO-OPERATIVE | 2 | $880,000 | $440,000 | n/a | 0% | n/a |
| 19 | GUILD MORTGAGE COMPANY | 2 | $220,000 | $110,000 | 7.25% | 33% | 0% |
| 20 | M&T BANK | 1 | $55,000 | $55,000 | 5.99% | 50% | 0% |
| 21 | Workers Federal Credit Union | 1 | $65,000 | $65,000 | 6.13% | 50% | 0% |
| 22 | Energy Credit Union | 1 | $55,000 | $55,000 | n/a | 50% | n/a |
| 23 | OneLocal Bank | 1 | $4.3M | $4,275,000 | n/a | 0% | n/a |
| 24 | Country Bank for Savings | 1 | $155,000 | $155,000 | 7% | 50% | 100% |
| 25 | Mechanics Cooperative Bank | 1 | $45,000 | $45,000 | n/a | 0% | n/a |
| 26 | MSA MORTGAGE, LLC | 1 | $815,000 | $815,000 | 6.25% | 0% | n/a |
| 27 | American Neighborhood Mortgage Acceptance Company | 1 | $435,000 | $435,000 | 6.75% | 0% | 0% |
| 28 | MORTGAGE EQUITY PARTNERS LLC | 1 | $365,000 | $365,000 | 6.88% | 0% | 0% |
| 29 | LEE BANK | 1 | $2.7M | $2,675,000 | n/a | 0% | n/a |
| 30 | LONGBRIDGE FINANCIAL, LLC | 1 | $155,000 | $155,000 | 6.92% | 0% | 0% |
| 31 | GFA FEDERAL CREDIT UNION | 1 | $35,000 | $35,000 | n/a | 0% | n/a |
| 32 | Ballston Spa National Bank | 1 | $45,000 | $45,000 | n/a | 0% | n/a |
| 33 | DEDHAM INSTITUTION FOR SAVINGS | 1 | $805,000 | $805,000 | 7.75% | 0% | 0% |
| 34 | FIRST CREDIT CORPORATION OF NY, INC. | 1 | $55,000 | $55,000 | 8.24% | 70% | 100% |
| 35 | GUARANTEED RATE, INC. | 1 | $235,000 | $235,000 | 6.88% | 0% | 0% |
| 36 | Reliance First Capital, LLC | 1 | $245,000 | $245,000 | 5.88% | 0% | 0% |
| 37 | Old Second National Bank | 1 | $115,000 | $115,000 | n/a | 57% | n/a |
| 38 | EAST CAMBRIDGE SAVINGS BANK | 1 | $245,000 | $245,000 | n/a | 0% | 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.