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)
2,999
+3.3% vs 2024Originations
$494.6M
+12.9% vs 2024Average loan
$164,920
141 lendersAverage interest rate
7.97%
Denial rate
39%
Home only share
33%
Loans originated by year in NM
Top manufactured home lenders in NM
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 | 21ST MORTGAGE | 782 | $108.9M | $139,194 | 9.88% | 46% | 80% |
| 2 | GUILD MORTGAGE COMPANY | 199 | $25.7M | $128,970 | 6.77% | 9% | 0% |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC | 194 | $24.9M | $128,454 | 9.99% | 47% | 83% |
| 4 | WATERSTONE MORTGAGE CORPORATION | 136 | $17.8M | $130,662 | 6.97% | 9% | 0% |
| 5 | ROCKET MORTGAGE | 131 | $24.8M | $189,580 | 6.61% | 45% | 0% |
| 6 | United Wholesale Mortgage | 128 | $30.5M | $238,281 | 6.24% | 20% | 0% |
| 7 | SOUTHWEST STAGE FUNDING LLC | 63 | $12.0M | $190,079 | 8.17% | 14% | 62% |
| 8 | Primary Residential Mortgage, INC. | 58 | $9.1M | $157,414 | 6.91% | 9% | 0% |
| 9 | TRIAD FINANCIAL SERVICES, INC. | 53 | $7.7M | $145,377 | 9.33% | 63% | 96% |
| 10 | CMG MORTGAGE INC | 53 | $7.3M | $137,642 | 6.45% | 8% | 0% |
| 11 | DEL NORTE CREDIT UNION | 51 | $6.4M | $125,980 | 7.13% | 18% | 35% |
| 12 | Mortgage Research Center | 50 | $13.2M | $263,200 | 6.43% | 20% | 0% |
| 13 | CROSSCOUNTRY MORTGAGE, LLC | 49 | $10.8M | $219,490 | 6.57% | 2% | 0% |
| 14 | CORNERSTONE CAPITAL BANK, SSB | 49 | $5.4M | $110,306 | 6.36% | 0% | 0% |
| 15 | V.I.P. MORTGAGE, INC. | 41 | $5.8M | $140,854 | 6.87% | 3% | 0% |
| 16 | loanDepot.com LLC | 37 | $7.0M | $188,514 | 7.08% | 38% | 0% |
| 17 | GATEWAY FIRST BANK | 37 | $4.0M | $107,432 | 7.03% | 18% | 0% |
| 18 | NOVA Financial & Investment Corporation | 36 | $4.6M | $128,056 | 6.68% | 17% | 0% |
| 19 | Guadalupe Credit Union | 35 | $7.4M | $212,714 | 7.62% | 0% | 3% |
| 20 | PRIMELENDING | 31 | $4.2M | $136,613 | 6.89% | 13% | 0% |
| 21 | NEW AMERICAN FUNDING, LLC. | 29 | $5.4M | $185,345 | 6.81% | 14% | 0% |
| 22 | American Pacific Mortgage Corporation | 29 | $3.3M | $114,310 | 6.9% | 18% | 0% |
| 23 | COUNTRYPLACE MORTGAGE, LTD. | 24 | $4.1M | $170,833 | 8.21% | 47% | 88% |
| 24 | BOKF NA | 23 | $4.0M | $174,130 | 6.84% | 21% | 0% |
| 25 | Click n' Close, Inc. | 23 | $3.8M | $166,739 | 7.14% | 12% | 0% |
| 26 | Navy Federal Credit Union | 19 | $3.9M | $207,105 | 6.74% | 22% | 0% |
| 27 | NEWREZ LLC | 19 | $4.5M | $235,526 | 6.54% | 33% | 0% |
| 28 | PENNYMAC LOAN SERVICES LLC | 19 | $4.4M | $229,737 | 6.32% | 20% | 0% |
| 29 | Mortgage Solutions of Colorado | 19 | $3.6M | $189,737 | 6.94% | 0% | 5% |
| 30 | Sunflower Bank, N.A. | 18 | $3.9M | $218,333 | 6.46% | 7% | 0% |
| 31 | Builders Choice Mortgage LLC | 18 | $3.8M | $208,889 | 7.12% | 0% | 0% |
| 32 | Gold Star Mortgage Financial Group, Corporation | 18 | $2.2M | $120,000 | 7.12% | 4% | 100% |
| 33 | AMERISAVE MORTGAGE COMPANY | 18 | $3.3M | $181,667 | 6.65% | 63% | 0% |
| 34 | GENEVA FINANCIAL LLC | 17 | $3.1M | $182,059 | 7.36% | 0% | 0% |
| 35 | Equity Prime Mortgage LLC | 17 | $3.9M | $231,471 | 6.9% | 4% | 0% |
| 36 | MOVEMENT MORTGAGE, LLC | 16 | $2.6M | $162,500 | 7.37% | 9% | 0% |
| 37 | Kind Lending, LLC | 16 | $3.3M | $205,000 | 6.92% | 45% | 0% |
| 38 | Credit Human Federal Credit Un | 15 | $1.7M | $112,333 | 7.99% | 81% | 100% |
| 39 | PLAZA HOME MORTGAGE, INC | 15 | $3.4M | $226,333 | 6.58% | 20% | 0% |
| 40 | FREEDOM MORTGAGE CORPORATION | 15 | $3.1M | $207,667 | 6.21% | 18% | 0% |
| 41 | Bank of the Southwest | 14 | $1.7M | $118,571 | n/a | 7% | n/a |
| 42 | PARAMOUNT RESIDENTIAL MORTGAGE | 14 | $3.1M | $220,000 | 6.81% | 0% | 0% |
| 43 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 13 | $2.1M | $161,923 | 6.68% | 0% | 0% |
| 44 | Directors Mortgage, Inc | 13 | $2.2M | $165,769 | 6.57% | 3% | 100% |
| 45 | CITIZENS BANK OF LAS CRUCES | 13 | $1.6M | $121,154 | 8.32% | 9% | 23% |
| 46 | NATIONS LENDING CORPORATION | 12 | $2.8M | $229,167 | 6.59% | 24% | 0% |
| 47 | American Financial Resources LLC | 12 | $2.9M | $240,833 | 6.47% | 21% | 0% |
| 48 | Bell Bank | 12 | $1.4M | $115,000 | 6.72% | 20% | 0% |
| 49 | STATE EMPLOYEES CREDIT UNION | 11 | $1.8M | $159,545 | 7.86% | 28% | 0% |
| 50 | VanDyk Mortgage Corporation | 11 | $2.1M | $188,636 | 6.19% | 3% | 0% |
| 51 | GUARANTEED RATE, INC. | 11 | $2.5M | $225,000 | 6.78% | 11% | 0% |
| 52 | Rio Grande Credit Union | 9 | $1.4M | $158,333 | n/a | 15% | n/a |
| 53 | FIRST AMERICAN BANK | 9 | $1.7M | $185,000 | 6.74% | 33% | 0% |
| 54 | The Citizens Bank | 9 | $1.3M | $146,111 | n/a | 41% | n/a |
| 55 | FIRST FINANCIAL CREDIT UNION | 9 | $1.0M | $115,000 | 7.11% | 6% | 0% |
| 56 | CALCON MUTUAL MORTGAGE LLC | 8 | $2.0M | $251,250 | 6.34% | 0% | 13% |
| 57 | Village Capital & Investment | 8 | $1.9M | $238,750 | 6.09% | 27% | 0% |
| 58 | Mutual of Omaha Mortgage | 8 | $1.3M | $161,250 | 6.78% | 45% | 0% |
| 59 | First Savings Bank | 7 | $575,000 | $82,143 | n/a | 33% | n/a |
| 60 | FIRST NEW MEXICO BANK, LAS CRU | 6 | $390,000 | $65,000 | n/a | 71% | n/a |
| 61 | CITY BANK | 6 | $920,000 | $153,333 | 6.98% | 25% | 0% |
| 62 | AMERICAN FINANCIAL NETWORK, INC. | 6 | $1.2M | $193,333 | 7.65% | 0% | 0% |
| 63 | UNION HOME MORTGAGE CORP. | 6 | $1.1M | $185,000 | 7.08% | 8% | 0% |
| 64 | Change Lending | 6 | $1.1M | $186,667 | 6.81% | 0% | 0% |
| 65 | US BANK, N.A. | 6 | $690,000 | $115,000 | 7.62% | 67% | 0% |
| 66 | PLANET HOME LENDING, LLC | 6 | $1.3M | $223,333 | 5.96% | 0% | 0% |
| 67 | BMO Harris Bank NA | 6 | $810,000 | $135,000 | 9.46% | 48% | 0% |
| 68 | Nationstar Mortgage | 6 | $1.0M | $171,667 | 6.54% | 13% | 0% |
| 69 | AMERICAN FINANCING CORPORATION | 5 | $1.0M | $203,000 | 5.9% | 35% | 0% |
| 70 | Southwest Funding LP | 5 | $1.1M | $211,000 | 6.75% | 0% | 0% |
| 71 | UMB BANK NA | 5 | $365,000 | $73,000 | 4.85% | 14% | 0% |
| 72 | SUNWARD | 4 | $560,000 | $140,000 | 7.38% | 25% | 25% |
| 73 | HomeBridge Financial Services, Inc | 4 | $1.1M | $265,000 | 6.25% | 17% | 0% |
| 74 | Texana Bank | 4 | $1.2M | $302,500 | 6.41% | 0% | 0% |
| 75 | Carrington Mortgage Services LLC | 4 | $710,000 | $177,500 | 7% | 45% | 0% |
| 76 | THE FEDERAL SAVINGS BANK | 4 | $990,000 | $247,500 | 6.72% | 0% | 0% |
| 77 | PNC BANK N.A. | 4 | $590,000 | $147,500 | 7.56% | 27% | 0% |
| 78 | Western Commerce Bank | 3 | $585,000 | $195,000 | n/a | 0% | n/a |
| 79 | South River Mortgage, LLC | 3 | $295,000 | $98,333 | 6.21% | 0% | n/a |
| 80 | Flanagan State Bank | 3 | $835,000 | $278,333 | 6.21% | 25% | 0% |
| 81 | LOAN SIMPLE, INC. | 3 | $825,000 | $275,000 | 7.13% | 0% | n/a |
| 82 | SUMMIT FUNDING.INC | 3 | $905,000 | $301,667 | 7.13% | 0% | 0% |
| 83 | Plains Commerce Bank | 3 | $665,000 | $221,667 | 6.75% | 43% | 0% |
| 84 | FAIRWAY INDEPENDENT MORT CORP | 3 | $705,000 | $235,000 | 6.79% | 20% | 0% |
| 85 | Lakeview Loan Servicing, LLC | 3 | $505,000 | $168,333 | 4.91% | 25% | 0% |
| 86 | BANK OF COLORADO | 3 | $285,000 | $95,000 | 6.71% | 40% | 0% |
| 87 | RIGHT START MORTGAGE, INC | 3 | $625,000 | $208,333 | 7.37% | 17% | 0% |
| 88 | CARDINAL FINANCIAL COMPANY, LI | 3 | $505,000 | $168,333 | 6.75% | 0% | 0% |
| 89 | PHH Mortgage Corporation | 3 | $585,000 | $195,000 | 6.29% | 20% | 0% |
| 90 | GOODLEAP, LLC | 2 | $290,000 | $145,000 | 8.09% | 58% | 0% |
| 91 | SOFI BANK, NATIONAL ASSOCIATION | 2 | $170,000 | $85,000 | 7.31% | 14% | 0% |
| 92 | GENWAY HOME MORTGAGE, INC. | 2 | $30,000 | $15,000 | 9.13% | 43% | 0% |
| 93 | AdvantageFirst Lending Inc | 2 | $310,000 | $155,000 | 5.94% | 25% | 0% |
| 94 | AMERICA FIRST FEDERAL CREDIT UNION | 2 | $170,000 | $85,000 | 6.12% | 33% | 0% |
| 95 | Equity Bank | 2 | $360,000 | $180,000 | 8.01% | 0% | 0% |
| 96 | BAXTER CREDIT UNION | 2 | $190,000 | $95,000 | 8.28% | 60% | 0% |
| 97 | FIRSTLIGHT FEDERAL CREDIT UNIO | 2 | $160,000 | $80,000 | 6.94% | 25% | 0% |
| 98 | SUCCESS LENDING, LLC | 2 | $320,000 | $160,000 | 6% | 50% | 0% |
| 99 | Five Star Bank | 2 | $7.8M | $3,925,000 | n/a | 0% | n/a |
| 100 | GECU | 2 | $170,000 | $85,000 | 7.25% | 0% | 50% |
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.