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)
4,782
+12.0% vs 2024Originations
$567.8M
+19.4% vs 2024Average loan
$118,729
149 lendersAverage interest rate
8.86%
Denial rate
41%
Home only share
57%
Loans originated by year in MS
Top manufactured home lenders in MS
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 | 1,067 | $119.9M | $112,385 | 10.49% | 49% | 74% |
| 2 | TRIAD FINANCIAL SERVICES, INC. | 1,014 | $122.6M | $120,927 | 9.1% | 34% | 95% |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC | 313 | $32.5M | $103,914 | 10.3% | 44% | 78% |
| 4 | Community Bank of Mississippi | 238 | $17.5M | $73,361 | 9.77% | 12% | 13% |
| 5 | FIRSTBANK | 226 | $17.2M | $76,283 | 9.09% | 54% | 91% |
| 6 | CARDINAL FINANCIAL COMPANY, LI | 216 | $44.6M | $206,481 | 6% | 3% | 0% |
| 7 | SOUTHWEST STAGE FUNDING LLC | 106 | $16.2M | $152,547 | 8.53% | 11% | 75% |
| 8 | ROCKET MORTGAGE | 85 | $10.4M | $122,412 | 6.69% | 42% | 0% |
| 9 | CSL Financial, LLC | 85 | $8.4M | $99,353 | 8.19% | 59% | 100% |
| 10 | LAND HOME FINANCIAL SERVICES, | 70 | $7.9M | $112,857 | 8.87% | 1% | 99% |
| 11 | BANKPLUS | 70 | $6.2M | $88,286 | 7.87% | 19% | 43% |
| 12 | Bank of Commerce | 53 | $3.1M | $58,208 | n/a | 14% | n/a |
| 13 | Southwest Funding LP | 50 | $11.0M | $220,000 | 5.91% | 3% | 0% |
| 14 | BankFirst Financial Services | 45 | $2.1M | $45,889 | 9.08% | 11% | 0% |
| 15 | STOCKTON MORTGAGE CORPORATION | 45 | $8.2M | $181,222 | 6.52% | 10% | 0% |
| 16 | CMG MORTGAGE INC | 42 | $4.7M | $112,143 | 5.79% | 10% | 0% |
| 17 | Citizens Bank | 42 | $1.9M | $44,286 | n/a | 4% | n/a |
| 18 | Bank of Holly Springs | 40 | $3.4M | $83,750 | n/a | 10% | n/a |
| 19 | Mortgage Research Center | 39 | $5.9M | $150,641 | 6.91% | 14% | 0% |
| 20 | CROSSCOUNTRY MORTGAGE, LLC | 35 | $4.9M | $140,143 | 6.71% | 4% | 0% |
| 21 | NEW AMERICAN FUNDING, LLC. | 35 | $3.8M | $107,857 | 7.15% | 11% | 0% |
| 22 | American Mortgage Bank | 34 | $4.3M | $126,176 | 5.87% | 15% | 0% |
| 23 | United Wholesale Mortgage | 33 | $5.2M | $156,818 | 6.28% | 23% | 0% |
| 24 | RENASANT BANK | 32 | $1.8M | $54,688 | 7.51% | 40% | 16% |
| 25 | GUARANTY BANK & TRUST COMPANY | 32 | $2.0M | $64,063 | 9.01% | 32% | 16% |
| 26 | FNB Picayune Bank | 30 | $2.4M | $78,667 | n/a | 8% | n/a |
| 27 | PLANET HOME LENDING, LLC | 29 | $4.7M | $160,517 | 6.4% | 13% | 0% |
| 28 | BANK OF FOREST | 28 | $3.9M | $137,500 | n/a | 0% | n/a |
| 29 | PEOPLES BANK | 28 | $1.6M | $55,714 | n/a | 11% | n/a |
| 30 | GUILD MORTGAGE COMPANY | 27 | $3.7M | $135,370 | 6.96% | 16% | 0% |
| 31 | TOWNE MORTGAGE COMPANY | 23 | $3.7M | $161,087 | 6.86% | 18% | 0% |
| 32 | FIRST BANK | 22 | $1.6M | $73,182 | n/a | 11% | n/a |
| 33 | Cadence Bank | 22 | $1.9M | $85,909 | 6.48% | 19% | 0% |
| 34 | American Financial Resources LLC | 21 | $2.9M | $137,381 | 6.58% | 3% | 0% |
| 35 | FAIRWAY INDEPENDENT MORT CORP | 18 | $1.8M | $102,222 | 5.8% | 7% | 0% |
| 36 | loanDepot.com LLC | 17 | $2.1M | $122,647 | 6.84% | 42% | 0% |
| 37 | Planters Bank and Trust Company | 16 | $910,000 | $56,875 | 8.69% | 21% | 0% |
| 38 | COPIAH BANK | 16 | $870,000 | $54,375 | n/a | 27% | n/a |
| 39 | Tammac Holdings Corporation | 15 | $1.5M | $101,667 | 10.58% | 75% | 100% |
| 40 | Credit Human Federal Credit Un | 13 | $1.5M | $115,769 | 8.06% | 82% | 100% |
| 41 | Navy Federal Credit Union | 13 | $1.5M | $116,538 | 6.87% | 31% | 0% |
| 42 | CORNERSTONE CAPITAL BANK, SSB | 13 | $2.8M | $217,308 | 7.23% | 6% | 0% |
| 43 | NEWREZ LLC | 13 | $2.1M | $162,692 | 6.31% | 33% | 0% |
| 44 | Equity Prime Mortgage LLC | 12 | $1.8M | $153,333 | 6.8% | 17% | 0% |
| 45 | Bank Of Yazoo | 12 | $590,000 | $49,167 | n/a | 8% | n/a |
| 46 | THE PEOPLES BANK | 12 | $890,000 | $74,167 | n/a | 17% | n/a |
| 47 | Loansteady LLC | 11 | $1.8M | $167,727 | 6.95% | 0% | 0% |
| 48 | UNION HOME MORTGAGE CORP. | 11 | $1.7M | $152,273 | 6.52% | 12% | 0% |
| 49 | HOPE FEDERAL CREDIT UNION | 11 | $955,000 | $86,818 | 7.23% | 31% | 43% |
| 50 | GREAT SOUTHERN BANK | 11 | $985,000 | $89,545 | n/a | 8% | n/a |
| 51 | CB&S Bank | 11 | $455,000 | $41,364 | 8.86% | 35% | 0% |
| 52 | Premier Mortgage Resources, LLC | 11 | $1.4M | $125,000 | 5.68% | 5% | 0% |
| 53 | Fidelity Bank | 10 | $1.6M | $164,000 | 7.01% | 17% | 0% |
| 54 | TRUSTMARK BANK | 9 | $755,000 | $83,889 | 7.93% | 35% | 11% |
| 55 | NATIONS LENDING CORPORATION | 9 | $1.6M | $172,778 | 5.97% | 21% | 0% |
| 56 | Bank of Wiggins | 8 | $470,000 | $58,750 | n/a | 0% | n/a |
| 57 | MAGNOLIA BANK | 8 | $1.0M | $125,000 | 6.47% | 8% | 0% |
| 58 | AMERITRUST MORTGAGE CORPORATION | 8 | $1.6M | $197,500 | 7.26% | 3% | 0% |
| 59 | FREEDOM MORTGAGE CORPORATION | 7 | $1.0M | $146,429 | 6.25% | 25% | 0% |
| 60 | Ferguson Federal Credit Union | 7 | $875,000 | $125,000 | 9.21% | 24% | 0% |
| 61 | Eustis Mortgage Corp | 6 | $820,000 | $136,667 | 6.87% | 0% | 0% |
| 62 | Carrington Mortgage Services LLC | 6 | $720,000 | $120,000 | 7.04% | 27% | 0% |
| 63 | SOUTHERN BANCORP BANK | 6 | $170,000 | $28,333 | 7.56% | 20% | 17% |
| 64 | AMERISAVE MORTGAGE COMPANY | 6 | $610,000 | $101,667 | 6.77% | 72% | 0% |
| 65 | PRIMELENDING | 6 | $610,000 | $101,667 | 5.99% | 18% | 0% |
| 66 | Singing River Federal C.U. | 6 | $380,000 | $63,333 | n/a | 20% | n/a |
| 67 | Concordia Bank & Trust Co. | 5 | $265,000 | $53,000 | n/a | 14% | n/a |
| 68 | GUARANTEED RATE, INC. | 5 | $715,000 | $143,000 | 6.95% | 13% | 0% |
| 69 | PLAZA HOME MORTGAGE, INC | 5 | $825,000 | $165,000 | 6.6% | 22% | 0% |
| 70 | FIRST COMMUNITY MORTGAGE, INC. | 5 | $645,000 | $129,000 | 6.62% | 25% | 0% |
| 71 | Consumer Real Estate Finance Co DBA Society Mortgage | 5 | $795,000 | $159,000 | 6.88% | 0% | 0% |
| 72 | MERCHANTS & MARINE BANK | 5 | $205,000 | $41,000 | 7.99% | 0% | 0% |
| 73 | GENWAY HOME MORTGAGE, INC. | 4 | $20,000 | $5,000 | 8.83% | 0% | 0% |
| 74 | Eagle Bank and Trust Company | 4 | $570,000 | $142,500 | 5.15% | 36% | 0% |
| 75 | FirstTrust Home Loans | 4 | $650,000 | $162,500 | 6.31% | 0% | n/a |
| 76 | Citizens National Bank of Meridian | 4 | $1.1M | $265,000 | 7.95% | 0% | 0% |
| 77 | GENEVA FINANCIAL LLC | 4 | $520,000 | $130,000 | 6.56% | 20% | 0% |
| 78 | CALCON MUTUAL MORTGAGE LLC | 4 | $870,000 | $217,500 | 6.44% | 0% | 0% |
| 79 | THE BANK OF FAYETTE COUNTY | 3 | $235,000 | $78,333 | n/a | 33% | n/a |
| 80 | GULF COAST COMMUNITY FEDERAL CREDIT UNION | 3 | $385,000 | $128,333 | 9.33% | 29% | 0% |
| 81 | COUNTRYPLACE MORTGAGE, LTD. | 3 | $505,000 | $168,333 | 8.23% | 60% | 100% |
| 82 | b1BANK | 3 | $4.5M | $1,508,333 | 7.53% | 0% | 100% |
| 83 | Barrington Bank & Trust Company, N.A. | 3 | $365,000 | $121,667 | 6.92% | 0% | 0% |
| 84 | Community Mortgage Corporation | 3 | $635,000 | $211,667 | 7% | 0% | 0% |
| 85 | RiverHills Bank | 3 | $175,000 | $58,333 | n/a | 56% | n/a |
| 86 | CIS FINANCIAL SERVICES, INC. | 3 | $505,000 | $168,333 | 7.82% | 25% | 67% |
| 87 | Synergy Bank | 3 | $465,000 | $155,000 | n/a | 0% | n/a |
| 88 | Merchants & Planters Bank | 3 | $105,000 | $35,000 | n/a | 0% | n/a |
| 89 | Kind Lending, LLC | 3 | $255,000 | $85,000 | 7.04% | 40% | 0% |
| 90 | First Security Bank | 3 | $235,000 | $78,333 | n/a | 20% | n/a |
| 91 | Village Capital & Investment | 3 | $485,000 | $161,667 | 6.5% | 13% | 0% |
| 92 | PENNYMAC LOAN SERVICES LLC | 3 | $475,000 | $158,333 | 5.91% | 35% | 0% |
| 93 | MORTGAGE INVESTORS GROUP | 2 | $230,000 | $115,000 | 6.69% | 0% | 0% |
| 94 | 1st Signature Lending, LLC | 2 | $440,000 | $220,000 | 5.75% | 0% | 0% |
| 95 | Nationstar Mortgage | 2 | $290,000 | $145,000 | 6.69% | 0% | 0% |
| 96 | AMERICAN FINANCIAL NETWORK, INC. | 2 | $270,000 | $135,000 | 7% | 33% | 0% |
| 97 | Resicentral LLC | 2 | $260,000 | $130,000 | 6.25% | 0% | 0% |
| 98 | ARK-LA-TEX FINANCIAL SERVICES LLC | 2 | $320,000 | $160,000 | 6.56% | 0% | 0% |
| 99 | FIRST STATE BANK | 2 | $170,000 | $85,000 | n/a | 0% | n/a |
| 100 | FORT FINANCIAL CREDIT UNION | 2 | $240,000 | $120,000 | 6.44% | 60% | 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.