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)
417
+14.9% vs 2024Originations
$55.7M
+21.7% vs 2024Average loan
$133,561
80 lendersAverage interest rate
8.34%
Denial rate
39%
Home only share
45%
Loans originated by year in NE
Top manufactured home lenders in NE
Select a column heading to re-rank. Select a lender to analyze it. Originations are inferred as loans times average loan. Showing the 80 largest lenders.
| # | |||||||
|---|---|---|---|---|---|---|---|
| 1 | 21ST MORTGAGE | 123 | $13.3M | $107,846 | 10.42% | 50% | 97% |
| 2 | PINNACLE BANK | 25 | $2.8M | $110,600 | 7.58% | 24% | 25% |
| 3 | TRIAD FINANCIAL SERVICES, INC. | 22 | $1.5M | $70,000 | 9.56% | 51% | 100% |
| 4 | Adams Bank & Trust | 19 | $2.6M | $136,579 | 7.34% | 4% | 26% |
| 5 | WEST GATE BANK | 12 | $1.8M | $149,167 | 6.75% | 8% | 0% |
| 6 | GERSHMAN INVESTMENT CORP. | 10 | $2.7M | $268,000 | 6.69% | 0% | 0% |
| 7 | EXCHANGE BANK | 10 | $1.9M | $195,000 | 7.51% | 21% | 0% |
| 8 | ROCKET MORTGAGE | 9 | $1.2M | $138,333 | 6.79% | 39% | 0% |
| 9 | Mortgage Research Center | 9 | $1.7M | $188,333 | 6.65% | 12% | 0% |
| 10 | BANKWEST, INC. | 9 | $1.5M | $167,222 | 7.82% | 42% | 67% |
| 11 | FARM CREDIT MID-AMERICA, ACA | 8 | $2.5M | $313,750 | 7.04% | 31% | 0% |
| 12 | Charter West Bank | 7 | $1.0M | $149,286 | 6.88% | 41% | 0% |
| 13 | FirsTier Bank | 7 | $515,000 | $73,571 | n/a | 13% | n/a |
| 14 | FAIRWAY INDEPENDENT MORT CORP | 6 | $1.3M | $215,000 | 5.77% | 10% | 0% |
| 15 | Dayspring bank | 6 | $1.5M | $251,667 | 7.15% | 13% | 0% |
| 16 | FIRST NATIONAL BANK OF OMAHA | 6 | $690,000 | $115,000 | 7.02% | 50% | 0% |
| 17 | Frontier Bank | 6 | $570,000 | $95,000 | 7.55% | 0% | 0% |
| 18 | Cornerstone Bank | 6 | $550,000 | $91,667 | n/a | 41% | n/a |
| 19 | United Wholesale Mortgage | 5 | $1.1M | $213,000 | 5.84% | 27% | 0% |
| 20 | Centris Federal Credit Union | 5 | $325,000 | $65,000 | 7.92% | 13% | 0% |
| 21 | Security First Bank | 5 | $565,000 | $113,000 | 7.45% | 29% | 20% |
| 22 | Plains Commerce Bank | 5 | $525,000 | $105,000 | 5.45% | 44% | 0% |
| 23 | Pathway Bank | 5 | $645,000 | $129,000 | n/a | 29% | n/a |
| 24 | Bruning Bank | 4 | $630,000 | $157,500 | n/a | 20% | n/a |
| 25 | MUTUAL FIRST FEDERAL CREDIT UNION | 4 | $290,000 | $72,500 | 6.93% | 0% | 0% |
| 26 | FREEDOM MORTGAGE CORPORATION | 4 | $590,000 | $147,500 | 6.22% | 0% | 0% |
| 27 | PEOPLES MORTGAGE COMPANY | 4 | $490,000 | $122,500 | 6.84% | 0% | 0% |
| 28 | Chartwell Financial, LLC | 3 | $195,000 | $65,000 | 10.5% | 17% | 100% |
| 29 | FIVE POINTS BANK | 3 | $445,000 | $148,333 | n/a | 0% | n/a |
| 30 | AMERICAN FINANCIAL NETWORK, INC. | 3 | $525,000 | $175,000 | 6.71% | 0% | 0% |
| 31 | Performance Equity Partners, Inc. | 3 | $155,000 | $51,667 | 13.17% | 71% | 100% |
| 32 | LINCOLN FEDERAL SVGS BK OF NE | 3 | $575,000 | $191,667 | 6.25% | 0% | 0% |
| 33 | LIBERTY FIRST CREDIT UNION | 2 | $330,000 | $165,000 | 7% | 0% | 0% |
| 34 | TRIUS FEDERAL CREDIT UNION | 2 | $230,000 | $115,000 | n/a | 0% | n/a |
| 35 | RVR Bank | 2 | $190,000 | $95,000 | n/a | 33% | n/a |
| 36 | US BANK, N.A. | 2 | $140,000 | $70,000 | 7.24% | 85% | 0% |
| 37 | PRIMELENDING | 2 | $350,000 | $175,000 | 7% | 0% | 0% |
| 38 | AMERICAN NATIONAL BANK | 2 | $380,000 | $190,000 | 7.9% | 0% | 0% |
| 39 | First Interstate Bank | 2 | $90,000 | $45,000 | 8.9% | 75% | 0% |
| 40 | EQUITABLE BANK | 2 | $300,000 | $150,000 | n/a | 0% | n/a |
| 41 | Union Bank and Trust Company | 2 | $280,000 | $140,000 | 6.88% | 40% | 0% |
| 42 | GUARANTEED RATE, INC. | 2 | $190,000 | $95,000 | 6.66% | 0% | 0% |
| 43 | First Community Bank | 2 | $110,000 | $55,000 | n/a | 0% | n/a |
| 44 | NEW AMERICAN FUNDING, LLC. | 2 | $280,000 | $140,000 | 7.25% | 5% | 0% |
| 45 | Home Federal Savings and Loan | 2 | $450,000 | $225,000 | 7.13% | 0% | 0% |
| 46 | Mortgage Solutions of Colorado | 1 | $365,000 | $365,000 | 7.75% | 0% | 0% |
| 47 | PARAMOUNT RESIDENTIAL MORTGAGE | 1 | $145,000 | $145,000 | 6.63% | 0% | 0% |
| 48 | Credit Human Federal Credit Un | 1 | $75,000 | $75,000 | 8.6% | 82% | 0% |
| 49 | GNBANK, N.A. | 1 | $75,000 | $75,000 | n/a | 0% | n/a |
| 50 | FIRST COMMUNITY MORTGAGE, INC. | 1 | $155,000 | $155,000 | 6.63% | 0% | 0% |
| 51 | Carrington Mortgage Services LLC | 1 | $175,000 | $175,000 | 5.63% | 50% | 0% |
| 52 | FirstBank of Nebraska | 1 | $105,000 | $105,000 | n/a | 0% | n/a |
| 53 | UNION HOME MORTGAGE CORP. | 1 | $245,000 | $245,000 | 7.25% | 0% | 0% |
| 54 | CARDINAL FINANCIAL COMPANY, LI | 1 | $215,000 | $215,000 | 4.99% | 0% | 0% |
| 55 | Cobalt Credit Union | 1 | $45,000 | $45,000 | 6.49% | 0% | 0% |
| 56 | Core Bank | 1 | $35,000 | $35,000 | 7.3% | 0% | 100% |
| 57 | ARCHER COOPERATIVE CREDIT UNION | 1 | $75,000 | $75,000 | n/a | 0% | n/a |
| 58 | CHURCHILL MORTGAGE CORPORATION | 1 | $155,000 | $155,000 | 6.13% | 9% | 0% |
| 59 | Barrington Bank & Trust Company, N.A. | 1 | $145,000 | $145,000 | 7.25% | 50% | 0% |
| 60 | CORNHUSKER BANK | 1 | $65,000 | $65,000 | n/a | 0% | n/a |
| 61 | loanDepot.com LLC | 1 | $115,000 | $115,000 | 6.5% | 60% | 0% |
| 62 | GUILD MORTGAGE COMPANY | 1 | $275,000 | $275,000 | 7.5% | 0% | 0% |
| 63 | CANOPY MORTGAGE, LLC | 1 | $205,000 | $205,000 | 6.63% | 0% | 0% |
| 64 | FIRST STATE BANK OF ST CHARLES | 1 | $195,000 | $195,000 | 5.88% | 0% | 0% |
| 65 | PROSPERITY HOME MORTGAGE, LLC | 1 | $165,000 | $165,000 | 6.63% | 67% | 0% |
| 66 | Servion | 1 | $65,000 | $65,000 | 6.5% | 0% | 0% |
| 67 | First Bank | 1 | $255,000 | $255,000 | 6.88% | 0% | 0% |
| 68 | DELMAR FINANCIAL COMPANY | 1 | $95,000 | $95,000 | 7.13% | 0% | n/a |
| 69 | NEWREZ LLC | 1 | $155,000 | $155,000 | 6.75% | 33% | 0% |
| 70 | Siouxland Federal Credit Union | 1 | $65,000 | $65,000 | 7.49% | 50% | 100% |
| 71 | Click n' Close, Inc. | 1 | $295,000 | $295,000 | 6.25% | 0% | 0% |
| 72 | First International Bank & Trust | 1 | $205,000 | $205,000 | 6.38% | 0% | 0% |
| 73 | CASTLE & COOKE MORTGAGE, LLC | 1 | $135,000 | $135,000 | 7.13% | 0% | 0% |
| 74 | Equity Prime Mortgage LLC | 1 | $305,000 | $305,000 | 6.25% | 0% | 0% |
| 75 | VERIDIAN CREDIT UNION | 1 | $275,000 | $275,000 | 5.38% | 0% | 0% |
| 76 | PLANET HOME LENDING, LLC | 1 | $285,000 | $285,000 | 6.5% | 0% | 0% |
| 77 | PENNYMAC LOAN SERVICES LLC | 1 | $125,000 | $125,000 | 6% | 0% | 0% |
| 78 | ARK-LA-TEX FINANCIAL SERVICES LLC | 1 | $195,000 | $195,000 | 5.75% | 0% | 0% |
| 79 | Heritage Bank | 1 | $65,000 | $65,000 | n/a | 40% | n/a |
| 80 | MNB Bank | 1 | $95,000 | $95,000 | n/a | 0% | n/a |
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.