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)
12,459
+16.4% vs 2024Originations
$2.21B
+25.7% vs 2024Average loan
$177,260
345 lendersAverage interest rate
7.29%
Denial rate
34%
Home only share
14%
Loans originated by year in NC
Top manufactured home lenders in NC
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 | VANDERBILT MORTGAGE AND FINANCE, INC | 1,289 | $172.4M | $133,712 | 9.8% | 42% | 57% |
| 2 | ROCKET MORTGAGE | 824 | $138.8M | $168,471 | 6.59% | 27% | 0% |
| 3 | 21ST MORTGAGE | 806 | $88.4M | $109,702 | 10.3% | 52% | 75% |
| 4 | State Employees' Credit Union | 775 | $106.0M | $136,781 | 5.77% | 42% | 0% |
| 5 | United Wholesale Mortgage | 668 | $136.1M | $203,802 | 6.17% | 16% | 0% |
| 6 | ATLANTIC BAY MORTGAGE GROUP | 441 | $80.0M | $181,349 | 6.95% | 2% | 0% |
| 7 | CROSSCOUNTRY MORTGAGE, LLC | 366 | $71.8M | $196,202 | 6.59% | 3% | 0% |
| 8 | Mortgage Research Center | 322 | $68.7M | $213,323 | 6.66% | 13% | 0% |
| 9 | American Financial Resources LLC | 315 | $66.9M | $212,333 | 6.27% | 6% | 0% |
| 10 | MOVEMENT MORTGAGE, LLC | 300 | $56.9M | $189,667 | 7.08% | 4% | 1% |
| 11 | NEWREZ LLC | 235 | $46.6M | $198,191 | 6.37% | 19% | 0% |
| 12 | Truliant Federal Credit Union | 229 | $17.8M | $77,576 | 7.63% | 49% | 0% |
| 13 | TRIAD FINANCIAL SERVICES, INC. | 215 | $28.0M | $130,023 | 8.79% | 52% | 90% |
| 14 | PRIMIS BANK | 190 | $38.7M | $203,474 | 6.6% | 4% | 0% |
| 15 | NEW AMERICAN FUNDING, LLC. | 176 | $28.2M | $160,227 | 7.01% | 7% | 0% |
| 16 | 1st Signature Lending, LLC | 167 | $39.6M | $237,275 | 5.84% | 3% | 0% |
| 17 | Navy Federal Credit Union | 163 | $27.0M | $165,675 | 7% | 28% | 0% |
| 18 | FAIRWAY INDEPENDENT MORT CORP | 154 | $28.3M | $183,831 | 6.93% | 8% | 0% |
| 19 | UNION HOME MORTGAGE CORP. | 151 | $30.7M | $203,146 | 6.63% | 5% | 0% |
| 20 | SOUTHWEST STAGE FUNDING LLC | 149 | $27.4M | $184,195 | 7.41% | 7% | 46% |
| 21 | TRUIST BANK | 147 | $20.8M | $141,667 | 6.47% | 28% | 0% |
| 22 | FREEDOM MORTGAGE CORPORATION | 125 | $23.1M | $184,760 | 6.26% | 15% | 0% |
| 23 | GUARANTEED RATE, INC. | 108 | $20.1M | $185,926 | 6.59% | 11% | 0% |
| 24 | CARDINAL FINANCIAL COMPANY, LI | 107 | $20.4M | $190,607 | 6.66% | 17% | 0% |
| 25 | GUILD MORTGAGE COMPANY | 107 | $17.1M | $160,140 | 6.78% | 3% | 0% |
| 26 | loanDepot.com LLC | 105 | $15.5M | $147,571 | 6.88% | 39% | 4% |
| 27 | PENNYMAC LOAN SERVICES LLC | 95 | $19.8M | $208,789 | 6.21% | 13% | 0% |
| 28 | T2 FINANCIAL LLC | 92 | $19.9M | $215,978 | 6.7% | 19% | 0% |
| 29 | Village Capital & Investment | 91 | $20.3M | $222,582 | 6.04% | 16% | 0% |
| 30 | KIAVI FUNDING, INC. | 84 | $13.1M | $155,595 | 10.15% | 15% | 0% |
| 31 | PNC BANK N.A. | 83 | $9.6M | $115,120 | 7.23% | 36% | 0% |
| 32 | FIRST NATIONAL BANK OF PA | 77 | $8.2M | $106,039 | 6.64% | 26% | 0% |
| 33 | AMERISAVE MORTGAGE COMPANY | 76 | $10.2M | $134,605 | 6.4% | 70% | 0% |
| 34 | Equity Prime Mortgage LLC | 74 | $14.0M | $189,324 | 6.55% | 9% | 0% |
| 35 | ALCOVA Mortgage, LLC | 72 | $14.1M | $196,111 | 6.78% | 2% | 0% |
| 36 | Carrington Mortgage Services LLC | 64 | $8.4M | $131,094 | 7.03% | 34% | 0% |
| 37 | LOWER, LLC | 63 | $12.4M | $197,540 | 6.76% | 9% | 0% |
| 38 | Integrity Home Mortgage Corporation | 60 | $11.2M | $187,333 | 6.74% | 5% | 0% |
| 39 | NATIONS LENDING CORPORATION | 58 | $9.9M | $170,690 | 6.44% | 12% | 0% |
| 40 | Southern Bank and Trust Company | 56 | $11.8M | $211,429 | 7.18% | 10% | 2% |
| 41 | GOPRIME MORTGAGE, INC. | 54 | $12.1M | $223,889 | 6.58% | 0% | 0% |
| 42 | Click n' Close, Inc. | 50 | $6.5M | $130,800 | 7.37% | 3% | 0% |
| 43 | Reliance First Capital, LLC | 50 | $8.0M | $160,000 | 6.57% | 8% | 0% |
| 44 | CALCON MUTUAL MORTGAGE LLC | 49 | $11.7M | $238,469 | 6.56% | 20% | 2% |
| 45 | American Pacific Mortgage Corporation | 48 | $10.7M | $222,083 | 6.83% | 8% | 0% |
| 46 | AMERICAN SECURITY MORTGAGE COR | 47 | $10.1M | $213,936 | 6.45% | 0% | 0% |
| 47 | United Federal Credit Union | 47 | $6.2M | $130,957 | 7.41% | 11% | 0% |
| 48 | PLANET HOME LENDING, LLC | 46 | $8.5M | $184,565 | 6.6% | 26% | 0% |
| 49 | Mortgage Solutions of Colorado | 46 | $9.7M | $211,522 | 7.25% | 2% | 11% |
| 50 | ALLEGACY FEDERAL CREDIT UNION | 46 | $3.8M | $81,957 | 5.86% | 15% | 0% |
| 51 | Mutual of Omaha Mortgage | 44 | $5.8M | $132,273 | 6.48% | 26% | 0% |
| 52 | PLAZA HOME MORTGAGE, INC | 44 | $7.0M | $159,318 | 7% | 31% | 0% |
| 53 | First Ciitizens Bank and Trust | 42 | $5.4M | $128,571 | 6.39% | 40% | 2% |
| 54 | Anchor Loans LP | 39 | $6.3M | $162,692 | 8.76% | 13% | 0% |
| 55 | Highlands Residential Mortgage, Ltd. | 37 | $6.4M | $172,297 | 6.69% | 5% | 0% |
| 56 | CMG MORTGAGE INC | 35 | $6.1M | $173,286 | 6.75% | 11% | 0% |
| 57 | PROSPERITY HOME MORTGAGE, LLC | 34 | $6.7M | $197,353 | 6.66% | 21% | 0% |
| 58 | CORNERSTONE CAPITAL BANK, SSB | 34 | $6.2M | $183,529 | 6.74% | 0% | 0% |
| 59 | ATLANTIC COAST MORTGAGE, LLC | 31 | $5.6M | $181,129 | 7% | 0% | 0% |
| 60 | Loansteady LLC | 30 | $6.1M | $204,667 | 6.62% | 3% | 0% |
| 61 | UNITED COMMUNITY BANK | 28 | $4.3M | $153,929 | 6.95% | 35% | 0% |
| 62 | TOWNE MORTGAGE COMPANY | 28 | $5.7M | $204,643 | 6.62% | 6% | 0% |
| 63 | American Neighborhood Mortgage Acceptance Company | 28 | $5.8M | $207,143 | 6.46% | 2% | 0% |
| 64 | THE FIDELITY BANK | 27 | $6.9M | $254,630 | 7.02% | 29% | 0% |
| 65 | NFM, INC | 27 | $4.8M | $178,333 | 6.87% | 5% | 0% |
| 66 | Civic FCU | 26 | $2.6M | $100,385 | 7% | 53% | 0% |
| 67 | Intercoastal Mortgage, LLC | 25 | $4.4M | $176,600 | 6.78% | 3% | 0% |
| 68 | GENWAY HOME MORTGAGE, INC. | 25 | $1.1M | $45,000 | 8.55% | 14% | 0% |
| 69 | SUN WEST MORTGAGE COMPANY, INC | 24 | $4.7M | $195,000 | 6.18% | 9% | 0% |
| 70 | HOWARD HANNA FINANCIAL SERVICES, INC | 24 | $5.2M | $216,667 | 6.65% | 3% | 0% |
| 71 | Fifth Third Bank, National Association | 24 | $4.0M | $166,250 | 6.49% | 43% | 0% |
| 72 | THE FEDERAL SAVINGS BANK | 22 | $4.4M | $201,364 | 7.29% | 9% | 0% |
| 73 | Equity Resources Inc | 22 | $4.1M | $186,818 | 6.66% | 13% | 0% |
| 74 | Ixonia Bank | 22 | $4.0M | $180,000 | 6.82% | 0% | 0% |
| 75 | CORNING CREDIT UNION | 22 | $1.6M | $71,364 | 6.44% | 33% | 0% |
| 76 | SELF HELP CREDIT UNION | 21 | $4.7M | $223,571 | 8.49% | 21% | 0% |
| 77 | Victorian Finance, LLC | 21 | $4.5M | $212,143 | 6.53% | 3% | 0% |
| 78 | AMERICAN FINANCIAL NETWORK, INC. | 21 | $3.9M | $184,524 | 7.31% | 23% | 0% |
| 79 | AgCarolina Farm Credit, ACA | 20 | $4.2M | $211,500 | 7.88% | 13% | 0% |
| 80 | SUCCESS MORTGAGE PARTNERS, INC | 20 | $3.6M | $181,000 | 7% | 8% | 0% |
| 81 | ENVOY MORTGAGE, LTD | 20 | $4.3M | $212,500 | 6.82% | 8% | 0% |
| 82 | Latino Community Credit Union | 20 | $3.6M | $178,000 | 7.28% | 21% | 0% |
| 83 | Mid-Continent Funding, Inc. | 20 | $4.0M | $199,500 | 6.84% | 6% | 0% |
| 84 | Park Lane Finance SolutionsLLC | 19 | $1.1M | $60,263 | 10.92% | 63% | 100% |
| 85 | CSL Financial, LLC | 19 | $2.2M | $117,105 | 8.74% | 62% | 100% |
| 86 | FIRST COMMUNITY MORTGAGE, INC. | 19 | $4.3M | $224,474 | 6.98% | 14% | 0% |
| 87 | Primary Residential Mortgage, INC. | 19 | $3.1M | $162,895 | 6.99% | 15% | 0% |
| 88 | SOUTHSTATE BANK, NATIONAL ASSOCIATION | 19 | $2.7M | $143,947 | 7.4% | 45% | 26% |
| 89 | Citizens Bank | 18 | $24.6M | $1,365,000 | n/a | 0% | n/a |
| 90 | A&D MORTGAGE LLC | 18 | $2.6M | $146,111 | 7.49% | 14% | 100% |
| 91 | Milend, Inc | 18 | $3.3M | $184,444 | 6.66% | 17% | n/a |
| 92 | Lumbee Guaranty Bank | 18 | $780,000 | $43,333 | n/a | 0% | n/a |
| 93 | CANOPY MORTGAGE, LLC | 17 | $3.4M | $200,294 | 6.56% | 16% | 0% |
| 94 | HomeTrust Bank | 17 | $2.9M | $170,882 | 6.93% | 27% | 0% |
| 95 | Credit Human Federal Credit Un | 17 | $1.6M | $95,000 | 8.69% | 79% | 94% |
| 96 | First Community Bank | 17 | $3.7M | $219,706 | 7.65% | 28% | 0% |
| 97 | Presidential Bank, FSB | 17 | $6.8M | $400,294 | 6.82% | 5% | 0% |
| 98 | LOAN SIMPLE, INC. | 17 | $3.5M | $206,176 | 7.2% | 4% | 100% |
| 99 | UWHARRIE BANK | 16 | $2.4M | $151,875 | 7.17% | 0% | 0% |
| 100 | Peoples Bank | 16 | $2.3M | $144,375 | 7.37% | 34% | 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.