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)
743
+15.0% vs 2024Originations
$142.4M
+35.7% vs 2024Average loan
$191,676
83 lendersAverage interest rate
7.36%
Denial rate
29%
Home only share
51%
Loans originated by year in NH
Top manufactured home lenders in NH
Select a column heading to re-rank. Select a lender to analyze it. Originations are inferred as loans times average loan. Showing the 83 largest lenders.
| # | |||||||
|---|---|---|---|---|---|---|---|
| 1 | METRO CREDIT UNION | 106 | $13.4M | $126,887 | 6.82% | 13% | 100% |
| 2 | Bellwether Community Credit Union | 68 | $7.6M | $111,765 | 7.9% | 29% | 96% |
| 3 | MEREDITH VILLAGE SAVINGS BANK | 66 | $9.2M | $139,091 | 8.1% | 15% | 70% |
| 4 | CMG MORTGAGE INC | 49 | $10.2M | $208,061 | 6.55% | 3% | 0% |
| 5 | 21ST MORTGAGE | 47 | $6.3M | $135,000 | 10.01% | 49% | 81% |
| 6 | United Wholesale Mortgage | 38 | $9.9M | $261,316 | 6.34% | 15% | 0% |
| 7 | Mascoma Bank | 32 | $3.5M | $108,438 | 6.97% | 17% | 38% |
| 8 | WESTERLY COMMUNITY CREDIT UNION | 31 | $4.9M | $156,935 | 7.82% | 8% | 100% |
| 9 | Merrimack County Savings Bank | 30 | $3.8M | $125,333 | 8.14% | 28% | 90% |
| 10 | ROCKET MORTGAGE | 21 | $4.2M | $200,238 | 6.58% | 42% | 0% |
| 11 | OCEAN STATE CREDIT UNION | 21 | $2.6M | $121,667 | 7.11% | 23% | 100% |
| 12 | JEANNE D'ARC CREDIT UNION | 14 | $2.3M | $166,429 | 6.48% | 17% | 71% |
| 13 | HOLY ROSARY REGIONAL CREDIT UNION | 14 | $1.3M | $95,000 | 7.41% | 9% | 0% |
| 14 | FAIRWAY INDEPENDENT MORT CORP | 12 | $2.8M | $236,667 | 6.65% | 5% | 0% |
| 15 | Union Bank | 11 | $1.2M | $110,455 | 7.07% | 0% | 9% |
| 16 | Mortgage Research Center | 10 | $2.8M | $276,000 | 6.36% | 42% | 0% |
| 17 | EMM Loans LLC | 9 | $2.4M | $265,000 | 6.98% | 0% | 0% |
| 18 | Granite State Credit Union | 8 | $600,000 | $75,000 | 7.28% | 6% | 0% |
| 19 | Lighthouse Federal Credit Union | 7 | $4.5M | $649,286 | 7.6% | 61% | 0% |
| 20 | 802 Credit Union | 7 | $815,000 | $116,429 | 8.19% | 20% | 29% |
| 21 | CROSSCOUNTRY MORTGAGE, LLC | 6 | $1.5M | $253,333 | 6.7% | 15% | 0% |
| 22 | BAYCOAST BANK | 6 | $450,000 | $75,000 | 9% | 18% | 100% |
| 23 | EVERETT FINANCIAL, INC. | 6 | $1.4M | $241,667 | 6.1% | 10% | 0% |
| 24 | PRIMELENDING | 6 | $1.1M | $190,000 | 6.34% | 14% | 0% |
| 25 | WATERSTONE MORTGAGE CORPORATION | 5 | $1.5M | $297,000 | 6.82% | 14% | 0% |
| 26 | MOVEMENT MORTGAGE, LLC | 5 | $1.1M | $223,000 | 6.7% | 0% | 0% |
| 27 | GREENWOOD CREDIT UNION | 5 | $595,000 | $119,000 | 9.14% | 0% | 100% |
| 28 | GUILD MORTGAGE COMPANY | 5 | $895,000 | $179,000 | 6.5% | 25% | 0% |
| 29 | FREEDOM MORTGAGE CORPORATION | 4 | $1.3M | $317,500 | 5.94% | 30% | 0% |
| 30 | NATIONS LENDING CORPORATION | 4 | $970,000 | $242,500 | 6.16% | 0% | 0% |
| 31 | Profile Bank | 4 | $640,000 | $160,000 | n/a | 0% | n/a |
| 32 | ENVOY MORTGAGE, LTD | 4 | $1.3M | $317,500 | 6.78% | 0% | 0% |
| 33 | GUARANTEED RATE AFFINITY, LLC | 3 | $895,000 | $298,333 | 6.84% | 0% | 0% |
| 34 | One Credit Union | 3 | $155,000 | $51,667 | 6.96% | 0% | 0% |
| 35 | Northeast Home Loan, LLC | 3 | $735,000 | $245,000 | 7.58% | 20% | 0% |
| 36 | American Pacific Mortgage Corporation | 3 | $725,000 | $241,667 | 6.96% | 20% | 0% |
| 37 | loanDepot.com LLC | 3 | $725,000 | $241,667 | 6.71% | 33% | 0% |
| 38 | NEW AMERICAN FUNDING, LLC. | 3 | $605,000 | $201,667 | 6.79% | 26% | 0% |
| 39 | Total Mortgage Services, LLC | 3 | $835,000 | $278,333 | 6.63% | 25% | 0% |
| 40 | Luminate Bank | 3 | $725,000 | $241,667 | 6.83% | 0% | 0% |
| 41 | Carrington Mortgage Services LLC | 3 | $655,000 | $218,333 | 6.63% | 0% | 0% |
| 42 | SERVICE FEDERAL CREDIT UNION | 2 | $530,000 | $265,000 | 5.75% | 86% | 0% |
| 43 | NEWREZ LLC | 2 | $330,000 | $165,000 | 5.94% | 44% | 0% |
| 44 | HARBORONE MORTGAGE, LLC | 2 | $410,000 | $205,000 | 7.06% | 33% | 0% |
| 45 | Navy Federal Credit Union | 2 | $690,000 | $345,000 | 5.94% | 70% | 0% |
| 46 | TD Bank | 2 | $2.4M | $1,220,000 | 6.31% | 75% | 0% |
| 47 | Traditional Mortgage Acceptance Corporation | 2 | $280,000 | $140,000 | 6.19% | 0% | 0% |
| 48 | UNION HOME MORTGAGE CORP. | 2 | $230,000 | $115,000 | 7% | 0% | 0% |
| 49 | Norway Savings Bank | 2 | $130,000 | $65,000 | 9.13% | 0% | 50% |
| 50 | Bar Harbor Bank & Trust | 2 | $190,000 | $95,000 | 7.31% | 50% | 0% |
| 51 | Franklin Savings Bank | 2 | $430,000 | $215,000 | n/a | 0% | n/a |
| 52 | Embrace Home Loans, Inc. | 2 | $610,000 | $305,000 | 6.88% | 0% | 0% |
| 53 | Old Second National Bank | 2 | $90,000 | $45,000 | n/a | 20% | n/a |
| 54 | PENNYMAC LOAN SERVICES LLC | 2 | $750,000 | $375,000 | 6.31% | 33% | 0% |
| 55 | CALCON MUTUAL MORTGAGE LLC | 1 | $185,000 | $185,000 | 6.49% | 0% | 0% |
| 56 | GENEVA FINANCIAL LLC | 1 | $235,000 | $235,000 | 6.63% | 0% | 0% |
| 57 | COMMUNITY NATIONAL BANK | 1 | $35,000 | $35,000 | 7.25% | 50% | 100% |
| 58 | M&T BANK | 1 | $105,000 | $105,000 | 7.84% | 80% | 0% |
| 59 | FIRST SEACOAST BANK | 1 | $185,000 | $185,000 | n/a | 50% | n/a |
| 60 | KENNEBUNK SAVINGS BANK | 1 | $45,000 | $45,000 | n/a | 0% | n/a |
| 61 | Amerant Mortgage LLC | 1 | $345,000 | $345,000 | 6.25% | 50% | 0% |
| 62 | Reliance First Capital, LLC | 1 | $295,000 | $295,000 | 5.99% | 0% | 0% |
| 63 | PNC BANK N.A. | 1 | $105,000 | $105,000 | 5.99% | 0% | 0% |
| 64 | BAXTER CREDIT UNION | 1 | $35,000 | $35,000 | 10.25% | 67% | 0% |
| 65 | UNIBANK FOR SAVINGS | 1 | $75,000 | $75,000 | 8.24% | 33% | 100% |
| 66 | EastRise Federal Credit Union | 1 | $25,000 | $25,000 | 7.5% | 0% | 0% |
| 67 | Berkeley Point Capital LLC | 1 | $6.5M | $6,535,000 | 5.17% | 0% | n/a |
| 68 | THE CAMDEN NATIONAL BANK | 1 | $75,000 | $75,000 | 6.25% | 56% | 0% |
| 69 | PISCATAQUA SAVINGS BANK | 1 | $745,000 | $745,000 | n/a | 0% | n/a |
| 70 | FIRST NATIONAL BANK OF AMERICA | 1 | $135,000 | $135,000 | 9% | 0% | 0% |
| 71 | PARTNERS BANK OF NEW ENGLAND | 1 | $245,000 | $245,000 | 7.25% | 0% | 0% |
| 72 | Workers Federal Credit Union | 1 | $405,000 | $405,000 | 5.75% | 0% | 0% |
| 73 | WELLS FARGO BANK NA | 1 | $1.2M | $1,175,000 | 7.93% | 0% | n/a |
| 74 | AMERISAVE MORTGAGE COMPANY | 1 | $65,000 | $65,000 | 5.25% | 95% | 0% |
| 75 | NORTHPOINT MORTGAGE, INC. | 1 | $195,000 | $195,000 | 7.25% | 0% | 0% |
| 76 | Equity Prime Mortgage LLC | 1 | $265,000 | $265,000 | 6.63% | 0% | 0% |
| 77 | Evergreen Bank Group | 1 | $195,000 | $195,000 | n/a | 0% | n/a |
| 78 | BANGOR SAVINGS BANK | 1 | $415,000 | $415,000 | 4.75% | 75% | 0% |
| 79 | EASTERN BANK | 1 | $255,000 | $255,000 | 5.99% | 0% | 0% |
| 80 | Contour Mortgage Corporation | 1 | $165,000 | $165,000 | 6.63% | 0% | 100% |
| 81 | ST. MARY'S BANK CU | 1 | $295,000 | $295,000 | 7.38% | 76% | 0% |
| 82 | BankProv | 1 | $9.0M | $9,005,000 | n/a | 0% | n/a |
| 83 | American Financial Resources LLC | 1 | $235,000 | $235,000 | 6.13% | 50% | 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.