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)
2,935
+1.6% vs 2024Originations
$391.4M
+13.9% vs 2024Average loan
$133,371
142 lendersAverage interest rate
7.91%
Denial rate
34%
Home only share
37%
Loans originated by year in NY
Top manufactured home lenders in NY
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 | 362 | $40.7M | $112,514 | 10.3% | 44% | 75% |
| 2 | Community Bank, N.A. | 335 | $40.6M | $121,269 | 7.46% | 16% | 0% |
| 3 | TRIAD FINANCIAL SERVICES, INC. | 296 | $23.5M | $79,426 | 8.96% | 38% | 100% |
| 4 | Credit Human Federal Credit Un | 122 | $11.1M | $90,902 | 8.44% | 53% | 98% |
| 5 | Tammac Holdings Corporation | 106 | $9.3M | $87,736 | 10.06% | 47% | 100% |
| 6 | AMERICU CREDIT UNION | 86 | $15.8M | $183,953 | 6.05% | 21% | 0% |
| 7 | Homestead Funding Corp. | 63 | $12.5M | $197,857 | 6.56% | 5% | 0% |
| 8 | Sidney Federal Credit Union | 62 | $4.7M | $75,484 | 6.89% | 22% | 0% |
| 9 | NEWREZ LLC | 58 | $9.8M | $168,621 | 6.58% | 15% | 0% |
| 10 | GREENWOOD CREDIT UNION | 53 | $4.2M | $79,717 | 9.2% | 4% | 100% |
| 11 | GENESEE REGIONAL BANK | 47 | $6.8M | $143,723 | 7.06% | 11% | 0% |
| 12 | First Source Federal Credit Un | 46 | $3.0M | $65,870 | 7.41% | 15% | 0% |
| 13 | Tioga State Bank, N.A. | 45 | $5.2M | $115,222 | n/a | 4% | n/a |
| 14 | EMPOWER FEDERAL CREDIT UNION | 45 | $5.6M | $125,000 | 6.78% | 28% | 0% |
| 15 | Ballston Spa National Bank | 44 | $3.8M | $86,364 | n/a | 1% | n/a |
| 16 | MOVEMENT MORTGAGE, LLC | 44 | $8.9M | $201,591 | 6.81% | 6% | 0% |
| 17 | FIRST CREDIT CORPORATION OF NY, INC. | 38 | $2.9M | $77,105 | 8.08% | 62% | 100% |
| 18 | ServU Federal Credit Union | 38 | $2.8M | $73,421 | n/a | 2% | n/a |
| 19 | Premium Mortgage Corporation | 37 | $6.4M | $172,297 | 6.56% | 21% | 0% |
| 20 | PLAZA HOME MORTGAGE, INC | 36 | $6.2M | $170,833 | 6.7% | 38% | 0% |
| 21 | The People's Credit Union | 36 | $3.2M | $88,889 | 8.4% | 10% | 92% |
| 22 | CROSSCOUNTRY MORTGAGE, LLC | 35 | $6.8M | $195,571 | 6.72% | 15% | 0% |
| 23 | Lyons National Bank | 35 | $4.6M | $130,714 | 6.83% | 21% | 0% |
| 24 | NBT BANK NA | 32 | $3.4M | $106,250 | 6.66% | 25% | 0% |
| 25 | Carthage Savings and Loan, National Association | 32 | $3.3M | $102,813 | n/a | 10% | n/a |
| 26 | Tompkins Community Bank | 29 | $9.1M | $312,586 | 6.56% | 21% | 7% |
| 27 | Northern Credit Union | 26 | $3.4M | $132,308 | 6.91% | 19% | 4% |
| 28 | Broadview Federal Credit Union | 26 | $1.8M | $68,077 | 6.39% | 49% | 0% |
| 29 | EVERETT FINANCIAL, INC. | 26 | $4.0M | $154,231 | 6.83% | 6% | 0% |
| 30 | M&T BANK | 25 | $1.4M | $55,400 | 6.21% | 46% | 0% |
| 31 | GOUVERNEUR SAVINGS & LOAN | 23 | $2.7M | $117,174 | 6.87% | 14% | 0% |
| 32 | Bank of Holland | 22 | $1.5M | $69,545 | n/a | 30% | n/a |
| 33 | RELIANT COMMUNITY FCU | 21 | $1.4M | $65,952 | 7.52% | 33% | 0% |
| 34 | AMERICAN FINANCIAL NETWORK, INC. | 20 | $3.2M | $162,000 | 6.72% | 11% | 0% |
| 35 | PRIMELENDING | 20 | $2.9M | $146,500 | 6.91% | 4% | 0% |
| 36 | Arrow Bank NA | 18 | $2.0M | $112,778 | 6.47% | 36% | 0% |
| 37 | loanDepot.com LLC | 18 | $2.4M | $133,889 | 6.85% | 38% | 0% |
| 38 | 1ST PRIORITY MORTGAGE, INC. | 17 | $2.7M | $160,882 | 6.63% | 23% | 0% |
| 39 | AUBURN COMMUNITY FEDERAL CREDIT UNION | 16 | $1.0M | $62,500 | 7.38% | 0% | 0% |
| 40 | Old Second National Bank | 15 | $1.2M | $81,000 | n/a | 37% | n/a |
| 41 | The First National Bank of Groton | 15 | $2.2M | $146,333 | n/a | 17% | n/a |
| 42 | Hunt Mortgage Corporation | 15 | $2.7M | $180,333 | 6.91% | 23% | 0% |
| 43 | Farm Credit East ACA | 15 | $2.0M | $130,333 | 6.91% | 6% | 0% |
| 44 | Jeff Bank | 15 | $1.7M | $111,000 | n/a | 34% | n/a |
| 45 | THE BANK OF GREENE COUNTY | 14 | $2.2M | $155,714 | 6.64% | 28% | 0% |
| 46 | Fulton Savings Bank | 14 | $1.7M | $123,571 | n/a | 0% | n/a |
| 47 | SEFCU Services, LLC | 13 | $2.2M | $168,077 | 6.38% | 0% | 0% |
| 48 | Pathfinder Bank | 12 | $1.3M | $106,667 | n/a | 13% | n/a |
| 49 | MID-HUDSON VALLEY FEDERAL C.U. | 12 | $2.6M | $215,000 | 6.6% | 30% | 83% |
| 50 | Watertown Savings Bank | 11 | $1.2M | $105,000 | 6.47% | 17% | 0% |
| 51 | SeaComm Federal Credit Union | 11 | $1.0M | $93,182 | n/a | 39% | n/a |
| 52 | Hometown Funding, INC. D/B/A CNB Mortgage Company | 11 | $1.7M | $151,364 | 6.76% | 0% | 100% |
| 53 | KEYBANK NATIONAL ASSOCIATION | 10 | $730,000 | $73,000 | 10.29% | 39% | 0% |
| 54 | PENNYMAC LOAN SERVICES LLC | 10 | $2.4M | $244,000 | 6.36% | 24% | 0% |
| 55 | Five Star Bank | 10 | $1.6M | $165,000 | 8.24% | 22% | 0% |
| 56 | Carrington Mortgage Services LLC | 10 | $1.6M | $155,000 | 6.34% | 48% | 0% |
| 57 | BEGINNINGS CREDIT UNION | 10 | $1.1M | $111,000 | 6.61% | 21% | 0% |
| 58 | Ulster Savings Bank | 9 | $2.0M | $219,444 | 6.92% | 25% | 0% |
| 59 | SAWYER SAVINGS BANK | 9 | $1.3M | $147,222 | n/a | 27% | n/a |
| 60 | First National Bank of Dryden | 9 | $1.2M | $132,778 | n/a | 18% | n/a |
| 61 | WAYNE BANK | 8 | $3.5M | $433,750 | n/a | 46% | n/a |
| 62 | Island Federal Credit Union | 8 | $1.1M | $140,000 | 8.13% | 15% | 100% |
| 63 | CITIZENS & NORTHERN BANK | 8 | $970,000 | $121,250 | 7.11% | 19% | 0% |
| 64 | MAGNOLIA BANK | 8 | $1.3M | $161,250 | 6.8% | 14% | 0% |
| 65 | GUARANTEED RATE, INC. | 8 | $1.6M | $200,000 | 6.73% | 13% | 0% |
| 66 | CORNING CREDIT UNION | 8 | $940,000 | $117,500 | 6.74% | 19% | 0% |
| 67 | Evergreen Bank Group | 7 | $875,000 | $125,000 | n/a | 40% | n/a |
| 68 | Cayuga Lake National Bank | 7 | $435,000 | $62,143 | n/a | 0% | n/a |
| 69 | FIRST HERITAGE FEDERAL CREDIT UNION | 7 | $615,000 | $87,857 | 6.48% | 18% | 0% |
| 70 | Barrington Bank & Trust Company, N.A. | 7 | $945,000 | $135,000 | 6.82% | 0% | 0% |
| 71 | HUDSON VALLEY CREDIT UNION | 6 | $820,000 | $136,667 | 6.48% | 35% | 33% |
| 72 | FAIRWAY INDEPENDENT MORT CORP | 6 | $1.1M | $178,333 | 6.75% | 13% | 0% |
| 73 | Equity Prime Mortgage LLC | 6 | $1.0M | $173,333 | 6.31% | 11% | 0% |
| 74 | NEW AMERICAN FUNDING, LLC. | 6 | $970,000 | $161,667 | 7% | 10% | 0% |
| 75 | WALDEN SAVINGS BANK | 5 | $4.4M | $879,000 | n/a | 0% | n/a |
| 76 | Navy Federal Credit Union | 5 | $895,000 | $179,000 | 6.83% | 61% | 0% |
| 77 | BAYCOAST BANK | 5 | $305,000 | $61,000 | 8.78% | 0% | 100% |
| 78 | GENESEE VALLEY FEDERAL CREDIT | 5 | $445,000 | $89,000 | 6.71% | 14% | 0% |
| 79 | A&D MORTGAGE LLC | 5 | $1.9M | $385,000 | 7.47% | 14% | 100% |
| 80 | ADIRONDACK BANK | 5 | $495,000 | $99,000 | 7.08% | 45% | 0% |
| 81 | THE SUMMIT FEDERAL CREDIT UNION | 4 | $510,000 | $127,500 | 6.88% | 17% | 0% |
| 82 | Five Star Bank | 4 | $4.7M | $1,162,500 | n/a | 0% | n/a |
| 83 | Utica Gas & Electric FCU | 4 | $460,000 | $115,000 | 6.56% | 0% | 0% |
| 84 | Chemung Canal Trust Company | 4 | $470,000 | $117,500 | 6.47% | 43% | 0% |
| 85 | THE FEDERAL SAVINGS BANK | 4 | $970,000 | $242,500 | 6.84% | 42% | 0% |
| 86 | Bank of Richmondville | 4 | $630,000 | $157,500 | 6.53% | 0% | 0% |
| 87 | SUNMARK CREDIT UNION | 4 | $730,000 | $182,500 | 6.31% | 13% | 0% |
| 88 | CATTARAUGUS COUNTY BANK | 3 | $335,000 | $111,667 | n/a | 0% | n/a |
| 89 | ABSOLUTE HOME MORTGAGE | 3 | $625,000 | $208,333 | 7.12% | 0% | n/a |
| 90 | CNB BANK | 3 | $405,000 | $135,000 | 6.88% | 29% | 0% |
| 91 | GPO Federal Credit Union | 3 | $235,000 | $78,333 | 8.33% | 25% | 0% |
| 92 | Geddes Federal Savings and Loan Association | 3 | $595,000 | $198,333 | 6.13% | 0% | 33% |
| 93 | PLANET HOME LENDING, LLC | 3 | $715,000 | $238,333 | 6.29% | 33% | 0% |
| 94 | RHINEBECK BANK | 3 | $1.4M | $451,667 | n/a | 0% | n/a |
| 95 | CMG MORTGAGE INC | 3 | $545,000 | $181,667 | 6.79% | 38% | 0% |
| 96 | WELLS FARGO BANK NA | 3 | $25.5M | $8,495,000 | 5.52% | 67% | n/a |
| 97 | Canandaigua National Bank & Trust | 3 | $115,000 | $38,333 | 7.43% | 0% | 0% |
| 98 | FIRST FEDERAL BANK | 2 | $240,000 | $120,000 | 6.13% | 25% | 0% |
| 99 | PNC BANK N.A. | 2 | $120,000 | $60,000 | 7.63% | 50% | 0% |
| 100 | FIRST NATIONAL BANK OF AMERICA | 2 | $330,000 | $165,000 | 9.5% | 25% | 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.