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)
1,207
+17.9% vs 2024Originations
$294.5M
+26.8% vs 2024Average loan
$244,031
116 lendersAverage interest rate
7.29%
Denial rate
25%
Home only share
20%
Loans originated by year in MT
Top manufactured home lenders in MT
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 | Stockman Bank of Montana | 102 | $19.1M | $187,451 | 7.26% | 9% | 7% |
| 2 | TRIAD FINANCIAL SERVICES, INC. | 97 | $11.1M | $114,485 | 9.22% | 37% | 98% |
| 3 | Glacier Bank | 94 | $23.2M | $246,383 | 7.7% | 27% | 6% |
| 4 | 21ST MORTGAGE | 83 | $9.2M | $110,542 | 10.45% | 48% | 83% |
| 5 | United Wholesale Mortgage | 62 | $23.2M | $374,516 | 6.18% | 13% | 0% |
| 6 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 59 | $16.5M | $280,085 | 6.2% | 0% | 0% |
| 7 | OPPORTUNITY BANK OF MONTANA | 51 | $10.3M | $201,275 | 6.89% | 14% | 0% |
| 8 | ROCKET MORTGAGE | 50 | $14.7M | $293,400 | 6.47% | 24% | 0% |
| 9 | CROSSCOUNTRY MORTGAGE, LLC | 39 | $12.5M | $320,897 | 6.58% | 5% | 0% |
| 10 | GUILD MORTGAGE COMPANY | 33 | $8.3M | $251,364 | 6.23% | 0% | 0% |
| 11 | TrailWest Bank | 29 | $5.9M | $202,931 | n/a | 23% | n/a |
| 12 | First Interstate Bank | 22 | $3.5M | $160,909 | 7.6% | 26% | 0% |
| 13 | CHURCHILL MORTGAGE CORPORATION | 22 | $7.1M | $324,091 | 6.3% | 7% | 0% |
| 14 | Independence Bank | 21 | $8.6M | $407,857 | n/a | 4% | n/a |
| 15 | VALLEY FINANCIAL CREDIT UNION | 16 | $1.1M | $66,250 | 8.01% | 33% | 81% |
| 16 | NEW AMERICAN FUNDING, LLC. | 16 | $4.7M | $291,875 | 6.47% | 18% | 0% |
| 17 | Kind Lending, LLC | 15 | $5.8M | $389,667 | 6.11% | 36% | 0% |
| 18 | Mortgage Research Center | 15 | $4.7M | $313,000 | 6.35% | 17% | 0% |
| 19 | GUARANTEED RATE, INC. | 12 | $4.0M | $335,833 | 6.34% | 7% | 0% |
| 20 | Belt Valley Bank | 12 | $1.5M | $123,333 | n/a | 32% | n/a |
| 21 | Synergy One Lending, Inc. | 12 | $3.0M | $250,000 | 6.46% | 24% | 0% |
| 22 | Navy Federal Credit Union | 12 | $3.3M | $270,833 | 6.56% | 22% | 0% |
| 23 | Altana Federal Credit Union | 11 | $1.6M | $141,364 | 7.78% | 24% | 27% |
| 24 | NEWREZ LLC | 11 | $3.3M | $295,909 | 6.01% | 11% | 0% |
| 25 | CLEARWATER FEDERAL CREDIT UNION | 10 | $2.2M | $224,000 | 7.62% | 33% | 30% |
| 26 | Madison Valley Bank | 10 | $1.6M | $159,000 | n/a | 8% | n/a |
| 27 | BANKWEST, INC. | 10 | $1.5M | $152,000 | 8.21% | 19% | 70% |
| 28 | Credit Human Federal Credit Un | 9 | $935,000 | $103,889 | 8.67% | 58% | 89% |
| 29 | HORIZON CREDIT UNION | 9 | $1.3M | $142,778 | 4.97% | 25% | 0% |
| 30 | CORNERSTONE CAPITAL BANK, SSB | 9 | $2.7M | $303,889 | 6.11% | 0% | 0% |
| 31 | BANK OF BRIDGER, N.A. | 9 | $1.7M | $190,556 | n/a | 25% | n/a |
| 32 | American Neighborhood Mortgage Acceptance Company | 9 | $2.4M | $266,111 | 6.78% | 0% | 0% |
| 33 | loanDepot.com LLC | 8 | $2.1M | $258,750 | 6.37% | 50% | 0% |
| 34 | Little Horn State Bank | 8 | $1.8M | $227,500 | n/a | 0% | n/a |
| 35 | US BANK, N.A. | 7 | $1.6M | $223,571 | 7.26% | 54% | 0% |
| 36 | UNION HOME MORTGAGE CORP. | 7 | $1.9M | $277,857 | 6.37% | 0% | 0% |
| 37 | Yellowstone Bank | 7 | $1.7M | $246,429 | n/a | 23% | n/a |
| 38 | FAIRWAY INDEPENDENT MORT CORP | 7 | $1.5M | $209,286 | 5.95% | 0% | 0% |
| 39 | Manhattan Bank | 7 | $755,000 | $107,857 | n/a | 11% | n/a |
| 40 | LOWER, LLC | 7 | $1.8M | $250,714 | 6.05% | 9% | 0% |
| 41 | SOUTHWEST STAGE FUNDING LLC | 6 | $750,000 | $125,000 | 8.87% | 17% | 100% |
| 42 | AMERISAVE MORTGAGE COMPANY | 6 | $1.4M | $236,667 | 5.96% | 59% | 0% |
| 43 | AGWEST FARM CREDIT, FLCA | 6 | $2.4M | $406,667 | 6.51% | 0% | 0% |
| 44 | Park Side Credit Union | 6 | $1.1M | $180,000 | 6.63% | 14% | 0% |
| 45 | Premier Mortgage Resources, LLC | 5 | $1.3M | $261,000 | 6.92% | 0% | 0% |
| 46 | NATIONS LENDING CORPORATION | 5 | $1.3M | $255,000 | 6.68% | 0% | 0% |
| 47 | FREEDOM MORTGAGE CORPORATION | 5 | $1.8M | $353,000 | 6.43% | 0% | 0% |
| 48 | Barrington Bank & Trust Company, N.A. | 5 | $2.0M | $393,000 | 6.5% | 0% | 0% |
| 49 | Click n' Close, Inc. | 4 | $1.2M | $305,000 | 7.19% | 0% | 0% |
| 50 | PENNYMAC LOAN SERVICES LLC | 4 | $1.6M | $410,000 | 5.97% | 9% | 0% |
| 51 | CALCON MUTUAL MORTGAGE LLC | 4 | $1.1M | $272,500 | 6.44% | 11% | 0% |
| 52 | ENVOY MORTGAGE, LTD | 4 | $1.6M | $390,000 | 6.59% | 0% | 0% |
| 53 | CMG MORTGAGE INC | 4 | $1.7M | $420,000 | 6.75% | 0% | 0% |
| 54 | SECURITYNATIONAL MORTGAGE COMPANY | 4 | $1.3M | $320,000 | 6.75% | 33% | 0% |
| 55 | American Financial Resources LLC | 4 | $1.6M | $395,000 | 6% | 0% | 0% |
| 56 | Veritas Funding, LLC | 4 | $1.0M | $255,000 | 6.28% | 17% | 0% |
| 57 | Mutual of Omaha Mortgage | 4 | $690,000 | $172,500 | 6.31% | 42% | 0% |
| 58 | Servion | 4 | $1.0M | $250,000 | 6.38% | 0% | 0% |
| 59 | CITIZENS ALLIANCE BANK | 3 | $555,000 | $185,000 | n/a | 0% | n/a |
| 60 | Flanagan State Bank | 3 | $1.0M | $338,333 | 6.75% | 0% | 0% |
| 61 | Ascent Bank | 3 | $375,000 | $125,000 | n/a | 0% | n/a |
| 62 | Freedom Northwest Credit Union | 3 | $695,000 | $231,667 | n/a | 0% | n/a |
| 63 | PLANET HOME LENDING, LLC | 3 | $1.1M | $358,333 | 7.21% | 0% | 0% |
| 64 | First Montana Bank | 3 | $355,000 | $118,333 | n/a | 0% | n/a |
| 65 | MOUNTAIN AMERICA FEDERAL CREDIT UNION | 3 | $655,000 | $218,333 | 7.46% | 63% | 0% |
| 66 | AMERICAN FINANCING CORPORATION | 3 | $875,000 | $291,667 | 6.58% | 33% | 0% |
| 67 | GOPRIME MORTGAGE, INC. | 3 | $1.1M | $368,333 | 6.75% | 0% | 0% |
| 68 | V.I.P. MORTGAGE, INC. | 3 | $1.3M | $431,667 | 6.62% | 25% | 0% |
| 69 | MAGNOLIA BANK | 3 | $1.5M | $498,333 | 6.33% | 0% | 0% |
| 70 | FINANCE OF AMERICA REVERSE LLC | 3 | $525,000 | $175,000 | 5.5% | 0% | 0% |
| 71 | Montana Federal Credit Union | 3 | $155,000 | $51,667 | 6.99% | 14% | 0% |
| 72 | Lakeview Loan Servicing, LLC | 2 | $1.1M | $560,000 | 6.19% | 0% | 0% |
| 73 | BILLINGS FEDERAL CREDIT UNION | 2 | $770,000 | $385,000 | 6.56% | 0% | 0% |
| 74 | MOVEMENT MORTGAGE, LLC | 2 | $510,000 | $255,000 | 7.06% | 0% | 0% |
| 75 | Intrepid Credit Union | 2 | $510,000 | $255,000 | 6.81% | 0% | 0% |
| 76 | PRIMELENDING | 2 | $670,000 | $335,000 | 6.75% | 33% | 0% |
| 77 | Cornerstone First Mortgage, LLC | 2 | $890,000 | $445,000 | 6.81% | 25% | 0% |
| 78 | Plains Commerce Bank | 2 | $1.2M | $610,000 | 6.87% | 0% | 0% |
| 79 | VANDERBILT MORTGAGE AND FINANCE, INC | 2 | $2.5M | $1,265,000 | 9.08% | 33% | n/a |
| 80 | PROSPERITY HOME MORTGAGE, LLC | 2 | $620,000 | $310,000 | 6.31% | 0% | 0% |
| 81 | First Federal Bank & Trust | 2 | $560,000 | $280,000 | n/a | 0% | n/a |
| 82 | SOFI BANK, NATIONAL ASSOCIATION | 1 | $195,000 | $195,000 | 5.63% | 17% | 0% |
| 83 | 1st Security Bank of Washington | 1 | $195,000 | $195,000 | 6.88% | 50% | 0% |
| 84 | SUN WEST MORTGAGE COMPANY, INC | 1 | $345,000 | $345,000 | 5.5% | 0% | 0% |
| 85 | IDAHO FIRST BANK | 1 | $565,000 | $565,000 | n/a | 0% | n/a |
| 86 | NEW DAY FINANCIAL, LLC. | 1 | $435,000 | $435,000 | 6.63% | 0% | 0% |
| 87 | Homestead Funding Corp. | 1 | $215,000 | $215,000 | 6.63% | 0% | 0% |
| 88 | Alliant Credit Union | 1 | $135,000 | $135,000 | 7.25% | 50% | 0% |
| 89 | Ixonia Bank | 1 | $255,000 | $255,000 | 5.75% | 0% | 0% |
| 90 | RIGHT START MORTGAGE, INC | 1 | $365,000 | $365,000 | 6.63% | 0% | 0% |
| 91 | GUARANTEED RATE AFFINITY, LLC | 1 | $295,000 | $295,000 | 6.58% | 0% | 0% |
| 92 | Village Capital & Investment | 1 | $325,000 | $325,000 | 5.99% | 40% | 0% |
| 93 | MidFirst Bank | 1 | $85,000 | $85,000 | 5.38% | 0% | 0% |
| 94 | PARAMOUNT RESIDENTIAL MORTGAGE | 1 | $365,000 | $365,000 | 5.99% | 0% | 0% |
| 95 | South River Mortgage, LLC | 1 | $135,000 | $135,000 | 5.63% | 0% | n/a |
| 96 | Flagstar Bank NA | 1 | $275,000 | $275,000 | 7.5% | 0% | 0% |
| 97 | VanDyk Mortgage Corporation | 1 | $475,000 | $475,000 | 6.25% | 0% | 0% |
| 98 | EVERETT FINANCIAL, INC. | 1 | $355,000 | $355,000 | 6.13% | 0% | 0% |
| 99 | USALLIANCE FEDERAL CREDIT UNION | 1 | $115,000 | $115,000 | 7% | 0% | 0% |
| 100 | City 1st Mortgage Services, LC | 1 | $125,000 | $125,000 | 6.75% | 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.