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.
529
+24.2% vs 2024$90.0M
+13.0% vs 2024$170,180
75 lenders7.97%
28%
40%
Loans originated by year in ND
Top manufactured home lenders in ND
Select a column heading to re-rank. Select a lender to analyze it. Originations are inferred as loans times average loan. Showing the 75 largest lenders.
| # | |||||||
|---|---|---|---|---|---|---|---|
| 1 | 21ST MORTGAGE | 108 | $12.1M | $111,574 | 10.86% | 43% | 98% |
| 2 | BANKWEST, INC. | 23 | $3.7M | $160,652 | 7.89% | 39% | 70% |
| 3 | TRIAD FINANCIAL SERVICES, INC. | 22 | $2.4M | $106,818 | 7.39% | 35% | 100% |
| 4 | First International Bank & Trust | 22 | $4.4M | $200,455 | 6.8% | 4% | 18% |
| 5 | Vue Community Credit Union | 22 | $2.1M | $94,545 | n/a | 4% | n/a |
| 6 | Gate City Bank | 19 | $1.7M | $88,158 | 6.67% | 42% | 0% |
| 7 | FAIRWAY INDEPENDENT MORT CORP | 19 | $6.3M | $329,211 | 6.5% | 3% | 0% |
| 8 | United Wholesale Mortgage | 15 | $3.1M | $209,667 | 6.36% | 21% | 0% |
| 9 | RAILWAY CREDIT UNION | 15 | $1.1M | $73,000 | n/a | 25% | n/a |
| 10 | Cornerstone Bank | 15 | $2.3M | $155,667 | 7.13% | 0% | 33% |
| 11 | CAPITAL CREDIT UNION | 14 | $2.5M | $180,000 | 6.8% | 0% | 0% |
| 12 | FIRST COMMUNITY CREDIT UNION | 14 | $1.9M | $132,857 | 8.02% | 0% | 29% |
| 13 | Hometown Credit Union | 12 | $1.2M | $97,500 | 7.39% | 0% | 58% |
| 14 | Dakota Community Bank & Trust, NA | 12 | $2.7M | $221,667 | 6.77% | 14% | 17% |
| 15 | ROCKET MORTGAGE | 12 | $2.9M | $240,833 | 6.55% | 52% | 0% |
| 16 | Dacotah Bank | 10 | $1.2M | $117,000 | 7.38% | 8% | 20% |
| 17 | ARK-LA-TEX FINANCIAL SERVICES LLC | 10 | $2.7M | $266,000 | 6.62% | 6% | 0% |
| 18 | American Neighborhood Mortgage Acceptance Company | 9 | $2.4M | $261,667 | 6.41% | 0% | 0% |
| 19 | Unison Bank | 9 | $1.2M | $135,000 | n/a | 18% | n/a |
| 20 | FIRST WESTERN BANK & TRUST | 8 | $1.4M | $172,500 | 6.37% | 8% | 13% |
| 21 | Performance Equity Partners, Inc. | 8 | $440,000 | $55,000 | 12.99% | 60% | 100% |
| 22 | Kirkwood Bank & Trust Co. | 8 | $1.5M | $185,000 | n/a | 0% | n/a |
| 23 | Town and Country Credit Union | 8 | $1.9M | $233,750 | 6.35% | 0% | 0% |
| 24 | Mortgage Research Center | 7 | $1.8M | $253,571 | 6.57% | 8% | 0% |
| 25 | CROSSCOUNTRY MORTGAGE, LLC | 7 | $1.8M | $255,000 | 6.63% | 11% | 0% |
| 26 | Dakota Heritage Bank | 5 | $535,000 | $107,000 | n/a | 0% | n/a |
| 27 | UNION HOME MORTGAGE CORP. | 4 | $1.2M | $302,500 | 6.38% | 33% | 0% |
| 28 | Choice Financial Group | 4 | $1.4M | $355,000 | 7.44% | 0% | 0% |
| 29 | NEWREZ LLC | 4 | $1.1M | $262,500 | 6.31% | 20% | 0% |
| 30 | FREEDOM MORTGAGE CORPORATION | 4 | $820,000 | $205,000 | 6.4% | 29% | 0% |
| 31 | Western Cooperative Credit Union | 4 | $610,000 | $152,500 | 6.29% | 0% | 50% |
| 32 | Security First Bank of North Dakota | 4 | $370,000 | $92,500 | n/a | 0% | n/a |
| 33 | TOWNE MORTGAGE COMPANY | 4 | $990,000 | $247,500 | 6.72% | 0% | 0% |
| 34 | Granite Bank | 3 | $655,000 | $218,333 | 6.55% | 0% | 0% |
| 35 | loanDepot.com LLC | 3 | $885,000 | $295,000 | 6.67% | 25% | 0% |
| 36 | Chartwell Financial, LLC | 3 | $185,000 | $61,667 | 11.38% | 30% | 100% |
| 37 | Old National Bank | 3 | $585,000 | $195,000 | 7.48% | 0% | 0% |
| 38 | GUARANTEED RATE, INC. | 3 | $615,000 | $205,000 | 6.41% | 0% | 0% |
| 39 | Bravera Bank | 3 | $865,000 | $288,333 | n/a | 20% | n/a |
| 40 | NATIONS LENDING CORPORATION | 3 | $815,000 | $271,667 | 6.01% | 0% | 0% |
| 41 | KodaBank | 2 | $180,000 | $90,000 | n/a | 0% | n/a |
| 42 | GUILD MORTGAGE COMPANY | 2 | $220,000 | $110,000 | 5.95% | 33% | 0% |
| 43 | V.I.P. MORTGAGE, INC. | 2 | $550,000 | $275,000 | 6.31% | 0% | 0% |
| 44 | Equity Prime Mortgage LLC | 2 | $530,000 | $265,000 | 6.31% | 0% | 0% |
| 45 | VANDERBILT MORTGAGE AND FINANCE, INC | 2 | $3.4M | $1,675,000 | 8.12% | 0% | n/a |
| 46 | Starion Bank | 2 | $320,000 | $160,000 | 7.25% | 33% | 0% |
| 47 | Navy Federal Credit Union | 2 | $230,000 | $115,000 | 6.69% | 33% | 0% |
| 48 | Presidential Bank, FSB | 2 | $550,000 | $275,000 | 7% | 0% | 0% |
| 49 | NEXTMORTGAGE, LLC | 2 | $190,000 | $95,000 | 6% | 0% | 0% |
| 50 | PLAZA HOME MORTGAGE, INC | 2 | $310,000 | $155,000 | 6.75% | 0% | 0% |
| 51 | Bell Bank | 2 | $420,000 | $210,000 | 6.38% | 0% | 0% |
| 52 | Barrington Bank & Trust Company, N.A. | 2 | $400,000 | $200,000 | 6.5% | 25% | 0% |
| 53 | AgCountry Farm Credit Services, FLCA | 1 | $145,000 | $145,000 | 7.1% | 0% | 0% |
| 54 | FLORIDA CAPITAL BANK, N.A | 1 | $235,000 | $235,000 | 6.99% | 0% | 0% |
| 55 | Centennial Bank | 1 | $235,000 | $235,000 | 6.75% | 0% | 0% |
| 56 | CAMBRIA FINANCIAL GROUP | 1 | $255,000 | $255,000 | 7.99% | 0% | 0% |
| 57 | FIRST NATIONAL BANK OF AMERICA | 1 | $165,000 | $165,000 | 10.88% | 0% | 0% |
| 58 | Click n' Close, Inc. | 1 | $65,000 | $65,000 | 5.25% | 0% | 0% |
| 59 | FIRST COLONY MORTGAGE CORPORAT | 1 | $165,000 | $165,000 | 6.75% | 0% | 0% |
| 60 | NEW AMERICAN FUNDING, LLC. | 1 | $405,000 | $405,000 | 7.25% | 36% | 0% |
| 61 | PLANET HOME LENDING, LLC | 1 | $265,000 | $265,000 | 6% | 50% | 0% |
| 62 | US BANK, N.A. | 1 | $165,000 | $165,000 | 5.99% | 0% | 0% |
| 63 | CMG MORTGAGE INC | 1 | $245,000 | $245,000 | 6.38% | 0% | 0% |
| 64 | ENVOY MORTGAGE, LTD | 1 | $135,000 | $135,000 | 6.63% | 0% | 0% |
| 65 | THE UNION BANK | 1 | $155,000 | $155,000 | n/a | 0% | n/a |
| 66 | PRIMELENDING | 1 | $185,000 | $185,000 | 5.88% | 0% | 0% |
| 67 | Mutual of Omaha Mortgage | 1 | $285,000 | $285,000 | 6.75% | 0% | 0% |
| 68 | PNC BANK N.A. | 1 | $55,000 | $55,000 | 8.13% | 0% | 0% |
| 69 | Merchants Bank, National Association | 1 | $185,000 | $185,000 | 6.9% | 50% | 0% |
| 70 | PENNYMAC LOAN SERVICES LLC | 1 | $295,000 | $295,000 | 6.5% | 0% | 0% |
| 71 | MAGNOLIA BANK | 1 | $385,000 | $385,000 | 5.75% | 0% | 0% |
| 72 | First United Bank | 1 | $85,000 | $85,000 | n/a | 0% | n/a |
| 73 | BMO Harris Bank NA | 1 | $75,000 | $75,000 | 9.98% | 50% | 0% |
| 74 | Village Capital & Investment | 1 | $435,000 | $435,000 | 5.49% | 0% | 0% |
| 75 | Deseret First Credit Union | 1 | $225,000 | $225,000 | 6.5% | 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.