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)
1,853
+11.6% vs 2024Originations
$382.9M
+49.8% vs 2024Average loan
$206,641
124 lendersAverage interest rate
7.18%
Denial rate
21%
Home only share
15%
Loans originated by year in ME
Top manufactured home lenders in ME
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 | GUILD MORTGAGE COMPANY | 151 | $31.9M | $211,225 | 6.49% | 7% | 0% |
| 2 | Atlantic Federal Credit Union | 120 | $11.0M | $91,500 | 9.31% | 19% | 72% |
| 3 | United Wholesale Mortgage | 91 | $19.8M | $217,747 | 6.46% | 8% | 0% |
| 4 | FIRST NATIONAL BANK | 82 | $13.2M | $160,732 | 7.14% | 6% | 7% |
| 5 | Kennebec Savings Bank | 73 | $8.3M | $114,315 | 6.9% | 12% | 0% |
| 6 | MAINE SAVINGS FEDERAL CREDIT UNION | 73 | $7.7M | $105,685 | 8.65% | 28% | 37% |
| 7 | BANGOR SAVINGS BANK | 72 | $17.0M | $236,389 | 6.53% | 26% | 0% |
| 8 | CMG MORTGAGE INC | 71 | $16.9M | $237,535 | 6.53% | 5% | 0% |
| 9 | DIRIGO FEDERAL CREDIT UNION | 66 | $6.8M | $102,424 | n/a | 19% | n/a |
| 10 | ROCKET MORTGAGE | 57 | $8.8M | $154,649 | 6.76% | 45% | 0% |
| 11 | THE CAMDEN NATIONAL BANK | 47 | $9.6M | $203,511 | 6.61% | 24% | 9% |
| 12 | Acadia Federal Credit Union | 45 | $5.8M | $129,667 | n/a | 0% | n/a |
| 13 | Machias Savings Bank | 39 | $10.0M | $257,051 | 7.27% | 25% | 11% |
| 14 | FAIRWAY INDEPENDENT MORT CORP | 34 | $7.4M | $217,647 | 6.63% | 2% | 0% |
| 15 | WESTERLY COMMUNITY CREDIT UNION | 32 | $4.0M | $124,375 | 7.56% | 5% | 100% |
| 16 | T2 FINANCIAL LLC | 32 | $7.3M | $228,750 | 6.64% | 0% | 0% |
| 17 | Norway Savings Bank | 32 | $8.0M | $249,063 | 8.12% | 28% | 29% |
| 18 | SEBASTICOOK VALLEY FCU | 31 | $2.7M | $88,226 | n/a | 0% | n/a |
| 19 | 21ST MORTGAGE | 29 | $3.3M | $113,276 | 10.82% | 45% | 62% |
| 20 | CUSO Mortgage Corporation | 28 | $4.3M | $154,286 | 6.73% | 33% | 0% |
| 21 | DAS ACQUISITION COMPANY, LLC | 28 | $6.5M | $231,429 | 6.19% | 18% | 0% |
| 22 | Mortgage Research Center | 27 | $5.8M | $216,481 | 6.72% | 17% | 0% |
| 23 | MAINE HIGHLANDS FEDERAL CREDIT UNION | 27 | $3.9M | $142,778 | 6.91% | 7% | 19% |
| 24 | Seaboard Federal Credit Union | 27 | $2.1M | $76,852 | 7.28% | 21% | 0% |
| 25 | CROSSCOUNTRY MORTGAGE, LLC | 26 | $4.9M | $187,692 | 6.65% | 5% | 0% |
| 26 | The County Federal CreditUnion | 25 | $2.8M | $110,200 | n/a | 23% | n/a |
| 27 | cPort Credit Union | 20 | $7.2M | $361,000 | n/a | 9% | n/a |
| 28 | Maine State Credit Union | 18 | $2.8M | $154,444 | n/a | 31% | n/a |
| 29 | First Federal Savings and Loan Assocation of Bath | 18 | $1.5M | $85,000 | n/a | 0% | n/a |
| 30 | FREEDOM MORTGAGE CORPORATION | 16 | $3.1M | $196,875 | 6.3% | 18% | 0% |
| 31 | NEW AMERICAN FUNDING, LLC. | 15 | $2.7M | $182,333 | 6.94% | 15% | 0% |
| 32 | NORTHPOINT MORTGAGE, INC. | 15 | $3.7M | $244,333 | 6.43% | 5% | 33% |
| 33 | NEWREZ LLC | 14 | $3.0M | $215,714 | 6.48% | 20% | 0% |
| 34 | TRIAD FINANCIAL SERVICES, INC. | 14 | $1.7M | $120,000 | 8.05% | 62% | 100% |
| 35 | GUARANTEED RATE, INC. | 14 | $3.4M | $245,000 | 6.2% | 15% | 0% |
| 36 | Lisbon Community FCU | 13 | $1.3M | $103,462 | 6.44% | 7% | 0% |
| 37 | LINCOLN MAINE FEDERAL CR UNION | 12 | $920,000 | $76,667 | n/a | 0% | 0% |
| 38 | LEADERONE FINANCIAL CORP. | 11 | $2.1M | $189,545 | 7.1% | 18% | 0% |
| 39 | PARTNERS BANK OF NEW ENGLAND | 11 | $1.4M | $123,182 | 7.4% | 12% | 0% |
| 40 | Total Mortgage Services, LLC | 11 | $2.0M | $184,091 | 6.79% | 7% | 0% |
| 41 | ANDROSCOGGIN BANK | 10 | $1.5M | $151,000 | 7.15% | 7% | 50% |
| 42 | Ancorum Credit Union | 10 | $730,000 | $73,000 | 8.16% | 45% | 50% |
| 43 | Navy Federal Credit Union | 10 | $2.1M | $214,000 | 6.88% | 29% | 0% |
| 44 | Town and Country Federal Credi | 9 | $695,000 | $77,222 | 7.48% | 21% | 0% |
| 45 | MAINE COMMUNITY BANK | 9 | $3.5M | $391,667 | n/a | 31% | n/a |
| 46 | Auburn Savings Bank | 9 | $2.5M | $273,889 | n/a | 0% | n/a |
| 47 | American Financial Resources LLC | 8 | $1.4M | $173,750 | 7.09% | 0% | 0% |
| 48 | DOWNEAST CREDIT UNION | 8 | $1.1M | $143,750 | 7.47% | 0% | 0% |
| 49 | UNIVERSITY CREDIT UNION | 8 | $810,000 | $101,250 | 7.8% | 11% | 0% |
| 50 | SKOWHEGAN SAVINGS BANK | 7 | $795,000 | $113,571 | n/a | 44% | n/a |
| 51 | KEYBANK NATIONAL ASSOCIATION | 7 | $715,000 | $102,143 | 8.4% | 44% | 0% |
| 52 | Bar Harbor Bank & Trust | 7 | $1.2M | $176,429 | 7.11% | 44% | 0% |
| 53 | Katahdin Trust Company | 6 | $600,000 | $100,000 | n/a | 33% | n/a |
| 54 | KENNEBUNK SAVINGS BANK | 6 | $1.2M | $196,667 | n/a | 29% | n/a |
| 55 | Primary Residential Mortgage, INC. | 6 | $1.1M | $181,667 | 7.44% | 13% | 0% |
| 56 | PeoplesChoice Credit Union | 6 | $600,000 | $100,000 | n/a | 17% | n/a |
| 57 | GREENWOOD CREDIT UNION | 6 | $480,000 | $80,000 | 8.87% | 0% | 100% |
| 58 | TruChoice FCU | 6 | $890,000 | $148,333 | 7.46% | 0% | 0% |
| 59 | Bath Savings Institution | 6 | $800,000 | $133,333 | 6.92% | 10% | 0% |
| 60 | MEGASTAR FINANACIAL CORP | 6 | $1.2M | $200,000 | 6.01% | 17% | 0% |
| 61 | TD Bank | 5 | $815,000 | $163,000 | 7.1% | 43% | 0% |
| 62 | OCEAN STATE CREDIT UNION | 5 | $415,000 | $83,000 | 6.85% | 40% | 100% |
| 63 | EVERETT FINANCIAL, INC. | 5 | $845,000 | $169,000 | 6.68% | 0% | 0% |
| 64 | Village Capital & Investment | 5 | $1.3M | $253,000 | 6.2% | 20% | 0% |
| 65 | loanDepot.com LLC | 5 | $1.1M | $213,000 | 6.43% | 54% | 0% |
| 66 | Cumberland County Federal Credit Union | 5 | $415,000 | $83,000 | 6.49% | 42% | 0% |
| 67 | Empeople Credit Union | 5 | $725,000 | $145,000 | 7.21% | 50% | 0% |
| 68 | HARBORONE MORTGAGE, LLC | 4 | $840,000 | $210,000 | 6.97% | 0% | 0% |
| 69 | AFFORDABLE MORTGAGE ADVISORS | 4 | $950,000 | $237,500 | 6.4% | 0% | 0% |
| 70 | AMERISAVE MORTGAGE COMPANY | 4 | $540,000 | $135,000 | 6.25% | 81% | 0% |
| 71 | Carrington Mortgage Services LLC | 4 | $460,000 | $115,000 | 6.97% | 33% | 0% |
| 72 | Mutual of Omaha Mortgage | 4 | $680,000 | $170,000 | 6.97% | 20% | 0% |
| 73 | Tammac Holdings Corporation | 4 | $290,000 | $72,500 | 9.86% | 67% | 100% |
| 74 | KATAHDIN FCU | 3 | $285,000 | $95,000 | n/a | 25% | n/a |
| 75 | Evergreen Credit Union | 3 | $95,000 | $31,667 | 6.42% | 43% | 0% |
| 76 | Trademark FCU | 3 | $255,000 | $85,000 | 6.91% | 0% | 0% |
| 77 | MEREDITH VILLAGE SAVINGS BANK | 3 | $625,000 | $208,333 | 7.67% | 40% | 0% |
| 78 | PENNYMAC LOAN SERVICES LLC | 3 | $565,000 | $188,333 | 5.83% | 0% | 0% |
| 79 | Maine Family Federal Credit Union | 3 | $315,000 | $105,000 | 6.25% | 0% | 0% |
| 80 | American Pacific Mortgage Corporation | 3 | $655,000 | $218,333 | 7.25% | 0% | 0% |
| 81 | Lighthouse Federal Credit Union | 3 | $425,000 | $141,667 | 6.79% | 67% | 0% |
| 82 | Cornerstone First Mortgage, LLC | 2 | $260,000 | $130,000 | 6.93% | 0% | 0% |
| 83 | Northern Mortgage Services, LLC | 2 | $370,000 | $185,000 | 6.69% | 40% | 0% |
| 84 | ENVOY MORTGAGE, LTD | 2 | $500,000 | $250,000 | 6.69% | 0% | 0% |
| 85 | AMERICAN FINANCIAL NETWORK, INC. | 2 | $370,000 | $185,000 | 7.25% | 0% | 0% |
| 86 | Saco & Biddeford Savings Institution | 2 | $550,000 | $275,000 | n/a | 25% | n/a |
| 87 | NEXTMORTGAGE, LLC | 2 | $310,000 | $155,000 | 6.1% | 17% | 0% |
| 88 | Top Flite Financial, Inc. | 2 | $150,000 | $75,000 | 6.75% | 0% | 0% |
| 89 | HomeBridge Financial Services, Inc | 2 | $470,000 | $235,000 | 6% | 0% | 0% |
| 90 | Bangor Federal Credit Union | 2 | $400,000 | $200,000 | n/a | 0% | n/a |
| 91 | Northeast Home Loan, LLC | 2 | $390,000 | $195,000 | 6.94% | 0% | 0% |
| 92 | Nationstar Mortgage | 1 | $235,000 | $235,000 | 7.25% | 0% | 0% |
| 93 | EMM Loans LLC | 1 | $275,000 | $275,000 | 6.88% | 0% | 0% |
| 94 | PLAZA HOME MORTGAGE, INC | 1 | $235,000 | $235,000 | 7.5% | 50% | 0% |
| 95 | FIRST SEACOAST BANK | 1 | $155,000 | $155,000 | n/a | 67% | n/a |
| 96 | Profile Bank | 1 | $135,000 | $135,000 | n/a | 67% | n/a |
| 97 | Luminate Bank | 1 | $355,000 | $355,000 | 5.95% | 0% | 0% |
| 98 | GENEVA FINANCIAL LLC | 1 | $275,000 | $275,000 | 6.75% | 0% | 0% |
| 99 | BAXTER CREDIT UNION | 1 | $205,000 | $205,000 | 6.75% | 25% | 0% |
| 100 | UNIBANK FOR SAVINGS | 1 | $185,000 | $185,000 | 6.99% | 50% | 100% |
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.