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)
3,977
+13.1% vs 2024Originations
$580.6M
+32.5% vs 2024Average loan
$146,001
267 lendersAverage interest rate
7.79%
Denial rate
36%
Home only share
25%
Loans originated by year in MO
Top manufactured home lenders in MO
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 | 421 | $44.6M | $105,831 | 10.33% | 49% | 84% |
| 2 | FLAT BRANCH MORTGAGE, INC. | 199 | $35.2M | $176,910 | 6.83% | 2% | 0% |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC | 175 | $21.4M | $122,143 | 10.21% | 39% | 68% |
| 4 | ROCKET MORTGAGE | 158 | $24.8M | $157,025 | 6.56% | 35% | 0% |
| 5 | TRIAD FINANCIAL SERVICES, INC. | 136 | $12.9M | $94,853 | 9.27% | 55% | 97% |
| 6 | FIRST STATE COMMUNITY BANK | 128 | $19.8M | $154,766 | 7.57% | 22% | 7% |
| 7 | GERSHMAN INVESTMENT CORP. | 125 | $28.1M | $225,080 | 6.48% | 3% | 0% |
| 8 | GUILD MORTGAGE COMPANY | 114 | $17.7M | $155,526 | 6.74% | 5% | 0% |
| 9 | THE CENTRAL TRUST BANK | 104 | $11.7M | $112,788 | 6.87% | 19% | 1% |
| 10 | DAS ACQUISITION COMPANY, LLC | 103 | $17.7M | $172,087 | 6.92% | 7% | 0% |
| 11 | Mortgage Research Center | 88 | $18.3M | $207,955 | 6.59% | 17% | 0% |
| 12 | United Wholesale Mortgage | 70 | $13.7M | $195,000 | 6.52% | 16% | 0% |
| 13 | Zippy Loans, LLC | 63 | $3.2M | $50,873 | 8.86% | 31% | 100% |
| 14 | ARVEST BANK | 58 | $8.7M | $149,310 | 6.95% | 31% | 0% |
| 15 | American Financial Resources LLC | 54 | $10.2M | $189,259 | 6.65% | 6% | 0% |
| 16 | NEW AMERICAN FUNDING, LLC. | 54 | $7.5M | $139,815 | 7.15% | 18% | 0% |
| 17 | SOUTHWEST STAGE FUNDING LLC | 54 | $9.1M | $167,963 | 8.04% | 13% | 76% |
| 18 | Performance Equity Partners, Inc. | 52 | $2.3M | $43,269 | 13.37% | 63% | 100% |
| 19 | Southern Bank | 50 | $5.6M | $111,400 | 7.52% | 13% | 0% |
| 20 | BTC Bank | 44 | $4.8M | $109,091 | n/a | 13% | 2% |
| 21 | Community National Bank & Trust | 42 | $4.0M | $96,190 | 7.91% | 2% | 0% |
| 22 | Tammac Holdings Corporation | 39 | $3.0M | $77,564 | 9.78% | 68% | 100% |
| 23 | CARDINAL FINANCIAL COMPANY, LI | 39 | $7.3M | $186,282 | 6.55% | 14% | 0% |
| 24 | CROSSCOUNTRY MORTGAGE, LLC | 37 | $7.0M | $189,054 | 6.75% | 10% | 0% |
| 25 | PEOPLES COMMUNITY BANK | 34 | $3.0M | $88,824 | n/a | 9% | n/a |
| 26 | loanDepot.com LLC | 34 | $4.4M | $128,529 | 7.18% | 41% | 0% |
| 27 | PENNYMAC LOAN SERVICES LLC | 33 | $6.4M | $195,000 | 6.39% | 18% | 0% |
| 28 | NEWREZ LLC | 32 | $7.0M | $217,500 | 6.32% | 10% | 0% |
| 29 | Freedom Bank of Southern Missouri | 31 | $3.0M | $97,258 | n/a | 6% | n/a |
| 30 | Village Capital & Investment | 31 | $6.5M | $208,226 | 6.15% | 8% | 0% |
| 31 | LEADERONE FINANCIAL CORP. | 28 | $6.0M | $213,571 | 6.6% | 9% | 0% |
| 32 | US BANK, N.A. | 28 | $3.6M | $127,857 | 6.92% | 65% | 0% |
| 33 | First Midwest Bank of the Ozarks | 26 | $1.8M | $67,308 | n/a | 7% | n/a |
| 34 | SOUTHWEST MISSOURI BANK | 24 | $1.9M | $77,083 | 7.9% | 12% | 8% |
| 35 | The Maries County Bank | 24 | $2.0M | $84,583 | n/a | 26% | n/a |
| 36 | OakStar Bank | 22 | $3.0M | $137,727 | 7.67% | 8% | 0% |
| 37 | American Pacific Mortgage Corporation | 22 | $4.3M | $197,727 | 6.98% | 16% | 0% |
| 38 | Sullivan Bank | 22 | $6.7M | $306,364 | 7.93% | 4% | 0% |
| 39 | FREEDOM MORTGAGE CORPORATION | 21 | $3.8M | $181,667 | 6.28% | 28% | 0% |
| 40 | ResMac Inc | 21 | $4.0M | $190,238 | 6.7% | 0% | n/a |
| 41 | Multipli Federal Credit Union | 20 | $2.5M | $124,000 | n/a | 4% | n/a |
| 42 | Navy Federal Credit Union | 20 | $4.1M | $207,000 | 6.58% | 27% | 0% |
| 43 | Midwest Mortgage Associates Corp | 19 | $3.1M | $161,316 | 6.77% | 0% | 0% |
| 44 | Bank of Odessa | 18 | $2.3M | $129,444 | n/a | 10% | n/a |
| 45 | Click n' Close, Inc. | 18 | $3.1M | $173,333 | 7.48% | 0% | 0% |
| 46 | PLAZA HOME MORTGAGE, INC | 17 | $2.7M | $159,706 | 6.82% | 27% | 0% |
| 47 | PRIMELENDING | 16 | $2.6M | $163,125 | 6.54% | 4% | 0% |
| 48 | FAIRWAY INDEPENDENT MORT CORP | 16 | $2.2M | $136,250 | 6.76% | 8% | 0% |
| 49 | Town & Country Bank | 16 | $2.5M | $158,750 | n/a | 6% | n/a |
| 50 | The Nodaway Valley Bank | 16 | $1.6M | $97,500 | n/a | 11% | n/a |
| 51 | FIRST STATE BANK OF ST CHARLES | 16 | $2.7M | $168,125 | 6.55% | 0% | 0% |
| 52 | Community First Bank | 16 | $850,000 | $53,125 | n/a | 0% | n/a |
| 53 | PLANET HOME LENDING, LLC | 15 | $2.5M | $165,000 | 6.76% | 29% | 0% |
| 54 | Stockmens Bank | 15 | $1.2M | $79,000 | n/a | 15% | n/a |
| 55 | FCS Financial FLCA | 15 | $3.7M | $243,667 | 7.23% | 0% | 0% |
| 56 | Mid America Bank | 14 | $1.4M | $100,714 | n/a | 11% | n/a |
| 57 | OMB BANK | 14 | $1.9M | $135,714 | n/a | 8% | n/a |
| 58 | AMERISAVE MORTGAGE COMPANY | 14 | $1.6M | $117,143 | 6.57% | 76% | 0% |
| 59 | Ozarks Federal Savings and Loan | 13 | $1.1M | $87,308 | 7.85% | 21% | 0% |
| 60 | UNITED BANK OF UNION | 13 | $2.5M | $191,923 | 7.3% | 0% | 0% |
| 61 | FIRST COMMUNITY CREDIT UNION | 13 | $1.5M | $118,077 | 6.66% | 26% | 0% |
| 62 | NATIONS LENDING CORPORATION | 13 | $2.4M | $181,154 | 6.42% | 25% | 0% |
| 63 | MID-MISSOURI BANK | 13 | $1.1M | $84,231 | n/a | 6% | n/a |
| 64 | GENEVA FINANCIAL LLC | 12 | $1.9M | $161,667 | 7.03% | 0% | 0% |
| 65 | Grand Missouri Bank | 12 | $1.4M | $117,500 | n/a | 20% | n/a |
| 66 | F & C Bank | 12 | $1.6M | $135,833 | n/a | 0% | n/a |
| 67 | Peoples Bank & Trust Co. | 12 | $1.3M | $104,167 | n/a | 20% | n/a |
| 68 | Exchange Bank of Missouri | 12 | $1.4M | $116,667 | n/a | 0% | n/a |
| 69 | GREAT SOUTHERN BANK | 12 | $1.4M | $114,167 | 7.05% | 51% | 0% |
| 70 | Peoples Bank of Moniteau County | 11 | $965,000 | $87,727 | n/a | 8% | n/a |
| 71 | THE BANK OF OLD MONROE | 11 | $4.0M | $366,818 | n/a | 8% | n/a |
| 72 | Credit Human Federal Credit Un | 11 | $985,000 | $89,545 | 8.25% | 83% | 91% |
| 73 | Peoples Bank | 11 | $745,000 | $67,727 | n/a | 8% | n/a |
| 74 | GUARANTEED RATE, INC. | 11 | $2.1M | $189,545 | 6.59% | 21% | 0% |
| 75 | Regional Missouri Bank | 11 | $615,000 | $55,909 | n/a | 24% | n/a |
| 76 | COMMUNITYAMERICA FEDERAL CREDIT UNION | 11 | $1.2M | $105,000 | 6.15% | 22% | 0% |
| 77 | Verimore Bank | 10 | $1.3M | $125,000 | n/a | 8% | n/a |
| 78 | O'Bannon Banking Company | 10 | $1.1M | $112,000 | n/a | 25% | n/a |
| 79 | HOMEPRIDE BANK | 10 | $1.2M | $124,000 | n/a | 17% | n/a |
| 80 | Citizens Bank of Amsterdam | 9 | $1.7M | $185,000 | n/a | 17% | n/a |
| 81 | Table Rock Community Bank | 9 | $745,000 | $82,778 | 7.51% | 0% | 0% |
| 82 | CORNERSTONE CAPITAL BANK, SSB | 9 | $1.8M | $198,333 | 7.26% | 0% | 0% |
| 83 | HOMEBANK | 9 | $855,000 | $95,000 | n/a | 0% | n/a |
| 84 | CS Bank | 9 | $1.0M | $112,778 | n/a | 0% | n/a |
| 85 | Equity Prime Mortgage LLC | 9 | $1.6M | $175,000 | 6.93% | 5% | 0% |
| 86 | WOOD & HUSTON BANK | 9 | $1.1M | $117,222 | n/a | 18% | n/a |
| 87 | Heritage Community Bank | 9 | $3.0M | $332,778 | n/a | 9% | n/a |
| 88 | Community State Bank of Missouri | 9 | $995,000 | $110,556 | n/a | 0% | n/a |
| 89 | Equity Bank | 9 | $985,000 | $109,444 | 7.71% | 36% | 0% |
| 90 | Flanagan State Bank | 8 | $930,000 | $116,250 | 6.97% | 29% | 0% |
| 91 | PEOPLES SAVINGS BANK | 8 | $1.0M | $125,000 | n/a | 11% | n/a |
| 92 | First Community Bank | 8 | $1.0M | $125,000 | 8.16% | 7% | 0% |
| 93 | Unico Bank | 8 | $910,000 | $113,750 | n/a | 11% | n/a |
| 94 | Carrington Mortgage Services LLC | 8 | $1.4M | $175,000 | 6.38% | 57% | 0% |
| 95 | Endeavor Capital, LLC | 8 | $1.6M | $198,750 | 6.66% | 12% | 13% |
| 96 | HAWTHORN BANK | 7 | $3.4M | $487,857 | 7.14% | 30% | 0% |
| 97 | TOWNE MORTGAGE COMPANY | 7 | $1.2M | $169,286 | 6.55% | 9% | 0% |
| 98 | American Portfolio Mortgage Corporation | 7 | $1.3M | $190,714 | 6.63% | 20% | 0% |
| 99 | THE CALLAWAY BANK | 7 | $1.3M | $192,143 | n/a | 0% | n/a |
| 100 | THE FEDERAL SAVINGS BANK | 7 | $1.7M | $249,286 | 6.89% | 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.