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)
680
+5.3% vs 2024Originations
$106.6M
+21.8% vs 2024Average loan
$156,721
116 lendersAverage interest rate
7.87%
Denial rate
43%
Home only share
52%
Loans originated by year in MD
Top manufactured home lenders in MD
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 | 126 | $11.7M | $92,937 | 10.22% | 54% | 96% |
| 2 | TRIAD FINANCIAL SERVICES, INC. | 80 | $8.0M | $99,750 | 8.66% | 56% | 99% |
| 3 | Library of Congress Federal Credit Union | 47 | $6.2M | $131,596 | 4.52% | 0% | 100% |
| 4 | ABERDEEN PROVING GROUND FCU | 41 | $3.1M | $75,488 | 8.96% | 51% | 88% |
| 5 | TIDEWATER MORTGAGE SERVICES, INC | 24 | $6.8M | $281,667 | 6.37% | 3% | 0% |
| 6 | Acre Mortgage & Financial, Inc. | 23 | $8.2M | $357,174 | 6.65% | 9% | 0% |
| 7 | VANDERBILT MORTGAGE AND FINANCE, INC | 21 | $2.0M | $95,952 | 10.61% | 53% | 95% |
| 8 | First Shore Federal Savings and Loan Association | 19 | $2.3M | $121,316 | n/a | 16% | n/a |
| 9 | The Farmers Bank of Willards | 17 | $3.2M | $186,765 | n/a | 20% | n/a |
| 10 | ROCKET MORTGAGE | 15 | $3.0M | $199,667 | 6.63% | 46% | 0% |
| 11 | United Wholesale Mortgage | 13 | $3.1M | $241,154 | 6.13% | 12% | 0% |
| 12 | CROSSCOUNTRY MORTGAGE, LLC | 9 | $2.0M | $218,333 | 6.63% | 5% | 0% |
| 13 | Park Lane Finance SolutionsLLC | 8 | $700,000 | $87,500 | 10.68% | 36% | 100% |
| 14 | Queenstown Bank of Maryland | 8 | $1.1M | $141,250 | n/a | 11% | n/a |
| 15 | Credit Human Federal Credit Un | 7 | $645,000 | $92,143 | 8.46% | 74% | 100% |
| 16 | PNC BANK N.A. | 7 | $1.0M | $146,429 | 6.81% | 44% | 0% |
| 17 | DIRECT MORTGAGE LOANS, LLC | 6 | $1.4M | $238,333 | 6.69% | 0% | 0% |
| 18 | Embrace Home Loans, Inc. | 6 | $1.3M | $215,000 | 7.16% | 20% | 0% |
| 19 | GENWAY HOME MORTGAGE, INC. | 6 | $280,000 | $46,667 | 7.67% | 36% | 0% |
| 20 | MOVEMENT MORTGAGE, LLC | 6 | $1.3M | $220,000 | 6.98% | 7% | 0% |
| 21 | NFM, INC | 6 | $1.5M | $251,667 | 6.71% | 0% | 0% |
| 22 | M&T BANK | 5 | $305,000 | $61,000 | 7.14% | 56% | 0% |
| 23 | Shore United Bank, N.A. | 5 | $715,000 | $143,000 | 6.93% | 25% | 0% |
| 24 | Navy Federal Credit Union | 5 | $545,000 | $109,000 | 7.89% | 58% | 0% |
| 25 | GUILD MORTGAGE COMPANY | 5 | $1.2M | $239,000 | 7.15% | 0% | 0% |
| 26 | NEWREZ LLC | 5 | $1.0M | $209,000 | 6.52% | 18% | 0% |
| 27 | FIRST UNITED BANK & TRUST | 5 | $1.1M | $229,000 | n/a | 38% | n/a |
| 28 | CMG MORTGAGE INC | 5 | $1.1M | $221,000 | 6.42% | 8% | 0% |
| 29 | AMERISAVE MORTGAGE COMPANY | 5 | $645,000 | $129,000 | 6.45% | 54% | 0% |
| 30 | Meridian Bank | 5 | $1.4M | $279,000 | 6.38% | 0% | 0% |
| 31 | TRUIST BANK | 5 | $895,000 | $179,000 | 6.27% | 50% | 0% |
| 32 | CHURCHILL MORTGAGE CORPORATION | 4 | $1.1M | $265,000 | 6.78% | 0% | 0% |
| 33 | Mortgage Research Center | 4 | $830,000 | $207,500 | 6.03% | 20% | 0% |
| 34 | KIAVI FUNDING, INC. | 3 | $575,000 | $191,667 | 11.8% | 0% | 0% |
| 35 | FREEDOM MORTGAGE CORPORATION | 3 | $575,000 | $191,667 | 6.25% | 20% | 0% |
| 36 | First Home Mortgage | 3 | $895,000 | $298,333 | 6.74% | 0% | 0% |
| 37 | ACNB BANK | 3 | $395,000 | $131,667 | 6.73% | 0% | 0% |
| 38 | Primary Residential Mortgage, INC. | 3 | $815,000 | $271,667 | 6.79% | 0% | 0% |
| 39 | PENNYMAC LOAN SERVICES LLC | 3 | $795,000 | $265,000 | 5.75% | 43% | 0% |
| 40 | Click n' Close, Inc. | 3 | $675,000 | $225,000 | 6.94% | 0% | 0% |
| 41 | MICHIGAN MUTUAL, INC | 3 | $835,000 | $278,333 | 6.54% | 25% | 0% |
| 42 | PROSPERITY HOME MORTGAGE, LLC | 3 | $635,000 | $211,667 | 7.79% | 57% | 0% |
| 43 | Calvin B. Taylor Banking Company | 3 | $335,000 | $111,667 | 7.3% | 20% | 0% |
| 44 | Luminate Bank | 3 | $735,000 | $245,000 | 6.83% | 0% | 0% |
| 45 | Harford Bank | 3 | $245,000 | $81,667 | n/a | 50% | n/a |
| 46 | South River Mortgage, LLC | 2 | $180,000 | $90,000 | 4.94% | 0% | n/a |
| 47 | The Peoples Bank | 2 | $460,000 | $230,000 | n/a | 0% | n/a |
| 48 | ATLANTIC COAST MORTGAGE, LLC | 2 | $340,000 | $170,000 | 6.81% | 0% | 0% |
| 49 | State Employees Credit Union of MD | 2 | $430,000 | $215,000 | 6.81% | 33% | 0% |
| 50 | Intercoastal Mortgage, LLC | 2 | $730,000 | $365,000 | 6.93% | 0% | 0% |
| 51 | THE FEDERAL SAVINGS BANK | 2 | $570,000 | $285,000 | 6.63% | 0% | 0% |
| 52 | Farm Credit of the Virginias, ACA | 2 | $200,000 | $100,000 | 8.89% | 40% | 50% |
| 53 | NEW AMERICAN FUNDING, LLC. | 2 | $310,000 | $155,000 | 6.69% | 15% | 0% |
| 54 | American Financial Resources LLC | 2 | $410,000 | $205,000 | 6.94% | 0% | 0% |
| 55 | FULTON BANK, NATIONAL ASSOCIATION | 2 | $90,000 | $45,000 | 6.49% | 0% | 0% |
| 56 | FIRST PEOPLES CFCU | 2 | $200,000 | $100,000 | 6.93% | 33% | 0% |
| 57 | PLANET HOME LENDING, LLC | 2 | $430,000 | $215,000 | 6.25% | 0% | 0% |
| 58 | PARAMOUNT RESIDENTIAL MORTGAGE | 2 | $230,000 | $115,000 | 7.25% | 0% | 0% |
| 59 | CLEAR MOUNTAIN BANK | 2 | $520,000 | $260,000 | 6.69% | 0% | 0% |
| 60 | DOLLAR BANK, FSB | 2 | $500,000 | $250,000 | 6.63% | 0% | 0% |
| 61 | SELECT LENDING SERVICES, LLC | 2 | $410,000 | $205,000 | 6.63% | 0% | 0% |
| 62 | Mutual of Omaha Mortgage | 2 | $360,000 | $180,000 | 5.88% | 25% | 0% |
| 63 | ALCOVA Mortgage, LLC | 2 | $280,000 | $140,000 | 7.25% | 0% | 0% |
| 64 | Village Capital & Investment | 2 | $610,000 | $305,000 | 5.5% | 20% | 0% |
| 65 | Cedar Point Federal Credit Union | 2 | $320,000 | $160,000 | 8.25% | 0% | 0% |
| 66 | Reliance First Capital, LLC | 1 | $145,000 | $145,000 | 6.63% | 0% | 0% |
| 67 | MidFirst Bank | 1 | $115,000 | $115,000 | 3.75% | 0% | 0% |
| 68 | Huntington National Bank | 1 | $325,000 | $325,000 | 6.75% | 0% | 0% |
| 69 | THE MORTGAGE LINK, INC. | 1 | $165,000 | $165,000 | 6.75% | 0% | 0% |
| 70 | Patriot FCU | 1 | $65,000 | $65,000 | 4.99% | 0% | 0% |
| 71 | Customers Bank | 1 | $1.4M | $1,405,000 | 6.55% | 0% | n/a |
| 72 | Horizon Farm Credit, ACA | 1 | $455,000 | $455,000 | 6.32% | 0% | 0% |
| 73 | ENVOY MORTGAGE, LTD | 1 | $275,000 | $275,000 | 6.25% | 50% | 0% |
| 74 | OCMBC, INC. | 1 | $125,000 | $125,000 | 6.75% | 0% | 0% |
| 75 | Equity Prime Mortgage LLC | 1 | $125,000 | $125,000 | 6.5% | 50% | 0% |
| 76 | American Pacific Mortgage Corporation | 1 | $285,000 | $285,000 | 6.63% | 0% | 0% |
| 77 | loanDepot.com LLC | 1 | $205,000 | $205,000 | 6.5% | 67% | 0% |
| 78 | Nationstar Mortgage | 1 | $165,000 | $165,000 | 6.13% | 0% | 0% |
| 79 | Shoreham Bank | 1 | $25,000 | $25,000 | 9.95% | 33% | 0% |
| 80 | Bay Capital Mortgage Corporation | 1 | $225,000 | $225,000 | 6.63% | 0% | 0% |
| 81 | BayVanguard Bank | 1 | $125,000 | $125,000 | n/a | 0% | n/a |
| 82 | MILLENNIUM FINANCIAL GROUP INC DBA MLEND | 1 | $65,000 | $65,000 | 6% | 0% | 0% |
| 83 | FIRST NATIONAL BANK OF AMERICA | 1 | $115,000 | $115,000 | 10.49% | 0% | 0% |
| 84 | NATIONWIDE MORTGAGE BANKERS, INC. | 1 | $325,000 | $325,000 | 6.5% | 0% | 0% |
| 85 | MLD MORTGAGE, INC.DBA THE MONEY STORE | 1 | $165,000 | $165,000 | 6.25% | 0% | 0% |
| 86 | 1ST SUMMIT BANK | 1 | $105,000 | $105,000 | 6.74% | 0% | 0% |
| 87 | TOWER FEDERAL CREDIT UNION | 1 | $245,000 | $245,000 | 6.88% | 0% | 0% |
| 88 | NATIONS LENDING CORPORATION | 1 | $125,000 | $125,000 | 5.99% | 0% | 0% |
| 89 | Bayshore Mortgage Funding | 1 | $305,000 | $305,000 | 6.88% | 0% | 0% |
| 90 | Consumer Real Estate Finance Co DBA Society Mortgage | 1 | $225,000 | $225,000 | 6.99% | 0% | 0% |
| 91 | BAY EQUITY LLC | 1 | $245,000 | $245,000 | 6.63% | 0% | 0% |
| 92 | MIDDLETOWN VALLEY BANK | 1 | $185,000 | $185,000 | n/a | 0% | n/a |
| 93 | Integrity Home Mortgage Corporation | 1 | $155,000 | $155,000 | 6.75% | 50% | 0% |
| 94 | UNION HOME MORTGAGE CORP. | 1 | $155,000 | $155,000 | 7.25% | 0% | 0% |
| 95 | HEBRON SAVINGS BANK | 1 | $55,000 | $55,000 | n/a | 40% | n/a |
| 96 | Jefferson Security Bank | 1 | $805,000 | $805,000 | n/a | 0% | n/a |
| 97 | CHESSIE FEDERAL CREDIT UNION | 1 | $185,000 | $185,000 | 5.75% | 0% | 0% |
| 98 | WOODSBORO BANK | 1 | $265,000 | $265,000 | n/a | 0% | n/a |
| 99 | GUARANTEED RATE, INC. | 1 | $215,000 | $215,000 | 5.75% | 33% | 0% |
| 100 | Presidential Bank, FSB | 1 | $335,000 | $335,000 | 6.63% | 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.