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)
4,382
+8.8% vs 2024Originations
$610.9M
+18.0% vs 2024Average loan
$139,400
262 lendersAverage interest rate
8.1%
Denial rate
38%
Home only share
37%
Loans originated by year in OH
Top manufactured home lenders in OH
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 | 647 | $62.7M | $96,917 | 10.54% | 52% | 96% |
| 2 | TRIAD FINANCIAL SERVICES, INC. | 374 | $25.0M | $66,738 | 8.65% | 52% | 99% |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC | 354 | $45.3M | $128,079 | 10.48% | 32% | 72% |
| 4 | ROCKET MORTGAGE | 186 | $29.9M | $160,806 | 6.56% | 36% | 0% |
| 5 | CROSSCOUNTRY MORTGAGE, LLC | 142 | $25.3M | $178,451 | 6.72% | 3% | 0% |
| 6 | The Park National Bank | 128 | $14.9M | $116,406 | 7.3% | 22% | 1% |
| 7 | United Wholesale Mortgage | 106 | $22.2M | $209,528 | 6.33% | 20% | 0% |
| 8 | UNION HOME MORTGAGE CORP. | 104 | $18.4M | $176,731 | 6.81% | 8% | 0% |
| 9 | Peoples Bank | 99 | $9.0M | $90,556 | 7.52% | 16% | 0% |
| 10 | VINTON COUNTY NATIONAL BANK | 78 | $8.8M | $112,821 | 8.37% | 14% | 6% |
| 11 | Huntington National Bank | 70 | $10.1M | $144,143 | 6.61% | 52% | 0% |
| 12 | Mortgage Research Center | 69 | $14.1M | $204,855 | 6.73% | 15% | 0% |
| 13 | loanDepot.com LLC | 61 | $9.1M | $148,934 | 6.85% | 30% | 5% |
| 14 | Zippy Loans, LLC | 56 | $3.2M | $57,857 | 9.96% | 26% | 100% |
| 15 | Wright Patt Credit Union Inc | 56 | $5.8M | $103,571 | 7.51% | 14% | 0% |
| 16 | SOUTHWEST STAGE FUNDING LLC | 47 | $8.5M | $179,894 | 8.02% | 8% | 60% |
| 17 | NEW AMERICAN FUNDING, LLC. | 47 | $6.9M | $147,766 | 7.1% | 10% | 0% |
| 18 | PNC BANK N.A. | 45 | $5.5M | $122,556 | 7.2% | 37% | 0% |
| 19 | First State Bank | 44 | $4.8M | $108,409 | 7.25% | 19% | 2% |
| 20 | Tammac Holdings Corporation | 44 | $2.8M | $62,955 | 9.64% | 71% | 100% |
| 21 | NEWREZ LLC | 40 | $8.5M | $213,000 | 6.5% | 20% | 0% |
| 22 | GUARANTEED RATE, INC. | 39 | $7.4M | $190,385 | 6.61% | 16% | 0% |
| 23 | FAIRWAY INDEPENDENT MORT CORP | 39 | $6.4M | $164,487 | 6.89% | 12% | 0% |
| 24 | Fifth Third Bank, National Association | 38 | $4.7M | $123,947 | 6.54% | 57% | 0% |
| 25 | GREENSTATE CREDIT UNION | 38 | $2.1M | $56,579 | 8.63% | 43% | 97% |
| 26 | NFM, INC | 35 | $7.1M | $203,857 | 6.88% | 0% | 0% |
| 27 | The Middlefield Banking Company | 34 | $3.4M | $100,000 | n/a | 13% | n/a |
| 28 | WESBANCO BANK, INC. | 33 | $4.9M | $148,333 | 6.25% | 25% | 0% |
| 29 | US BANK, N.A. | 33 | $4.2M | $128,333 | 7.01% | 63% | 0% |
| 30 | PARAMOUNT RESIDENTIAL MORTGAGE | 32 | $4.6M | $142,500 | 6.85% | 5% | 0% |
| 31 | NATIONS LENDING CORPORATION | 32 | $6.4M | $200,000 | 6.52% | 11% | 0% |
| 32 | Credit Human Federal Credit Un | 32 | $2.7M | $83,125 | 8.45% | 82% | 94% |
| 33 | FREEDOM MORTGAGE CORPORATION | 28 | $5.2M | $187,143 | 6.37% | 15% | 0% |
| 34 | Equity Resources Inc | 27 | $5.5M | $203,889 | 6.77% | 8% | 0% |
| 35 | PENNYMAC LOAN SERVICES LLC | 25 | $4.8M | $192,600 | 6.35% | 15% | 0% |
| 36 | FARMERS NATIONAL BANK | 24 | $3.0M | $125,417 | 6.96% | 3% | 0% |
| 37 | CARDINAL FINANCIAL COMPANY, LI | 24 | $4.9M | $205,000 | 6.41% | 14% | 0% |
| 38 | LOWER, LLC | 23 | $4.5M | $194,565 | 6.57% | 10% | 0% |
| 39 | AMERISAVE MORTGAGE COMPANY | 22 | $3.0M | $135,909 | 6.7% | 66% | 0% |
| 40 | DAS ACQUISITION COMPANY, LLC | 22 | $4.2M | $192,273 | 6.75% | 10% | 0% |
| 41 | Ruoff Mortgage Company | 20 | $4.0M | $202,500 | 7.03% | 0% | 0% |
| 42 | MOVEMENT MORTGAGE, LLC | 20 | $2.6M | $131,000 | 7.06% | 3% | 5% |
| 43 | RAPID MORTGAGE COMPANY | 19 | $3.8M | $201,842 | 6.87% | 0% | 0% |
| 44 | MERCHANTS NATIONAL BANK | 19 | $2.4M | $126,579 | 7.67% | 18% | 0% |
| 45 | The Community Bank | 19 | $2.8M | $145,526 | 7.3% | 0% | 0% |
| 46 | Park Lane Finance SolutionsLLC | 19 | $805,000 | $42,368 | 11.52% | 29% | 100% |
| 47 | PLANET HOME LENDING, LLC | 18 | $3.7M | $206,111 | 6.19% | 25% | 0% |
| 48 | FARM CREDIT MID-AMERICA, ACA | 18 | $5.0M | $278,889 | 7.19% | 5% | 0% |
| 49 | Carrington Mortgage Services LLC | 18 | $3.0M | $169,444 | 6.33% | 36% | 0% |
| 50 | American Financial Resources LLC | 16 | $3.3M | $208,750 | 6.58% | 13% | 0% |
| 51 | Gold Star Mortgage Financial Group, Corporation | 16 | $2.8M | $173,125 | 7.23% | 7% | 100% |
| 52 | Equity Prime Mortgage LLC | 15 | $2.7M | $183,000 | 6.38% | 11% | 0% |
| 53 | The Farmers & Merchants State Bank | 15 | $1.6M | $103,667 | 7.1% | 19% | 0% |
| 54 | Polaris Home Funding Corp. | 15 | $2.4M | $160,333 | 6.88% | 8% | 0% |
| 55 | SUPERIOR CREDIT UNION, INC. | 14 | $2.3M | $167,143 | 6.34% | 4% | 0% |
| 56 | Click n' Close, Inc. | 13 | $1.4M | $110,385 | 8.42% | 5% | 0% |
| 57 | Mutual of Omaha Mortgage | 12 | $1.3M | $108,333 | 6.91% | 28% | 0% |
| 58 | 1st Signature Lending, LLC | 12 | $3.2M | $267,500 | 5.67% | 11% | 0% |
| 59 | SEVEN SEVENTEEN CREDIT UNION | 12 | $850,000 | $70,833 | 7.36% | 43% | 0% |
| 60 | First Ohio Home Finance | 12 | $1.9M | $157,500 | 6.59% | 6% | 0% |
| 61 | The Andover Bank | 11 | $1.0M | $94,091 | n/a | 21% | n/a |
| 62 | Village Capital & Investment | 11 | $2.3M | $210,455 | 6.13% | 29% | 0% |
| 63 | North Valley Bank | 11 | $1.1M | $99,545 | n/a | 18% | n/a |
| 64 | THE FIRST NATIONAL BANK OF MCCONNELSVILLE | 11 | $1.0M | $92,273 | n/a | 8% | n/a |
| 65 | Kingston National Bank | 11 | $1.9M | $171,364 | n/a | 25% | n/a |
| 66 | FIRST COMMONWEALTH BANK | 10 | $2.3M | $226,000 | 6.19% | 24% | 0% |
| 67 | Navy Federal Credit Union | 10 | $2.0M | $204,000 | 7% | 31% | 0% |
| 68 | Hancock County Savings Bank, FSB | 10 | $1.3M | $128,000 | 6.29% | 15% | 0% |
| 69 | MORTGAGE300 CORPORATION | 9 | $1.8M | $196,111 | 7.03% | 0% | 0% |
| 70 | Synergy One Lending, Inc. | 9 | $1.6M | $176,111 | 6.93% | 0% | 0% |
| 71 | GREENWOOD CREDIT UNION | 9 | $395,000 | $43,889 | 8.71% | 0% | 100% |
| 72 | Ohio Valley Bank | 9 | $1.1M | $117,222 | 6.71% | 9% | 0% |
| 73 | American Neighborhood Mortgage Acceptance Company | 9 | $1.7M | $190,556 | 7.11% | 11% | 0% |
| 74 | Performance Equity Partners, Inc. | 9 | $415,000 | $46,111 | 13.53% | 74% | 100% |
| 75 | THE HOME LOAN SAVINGS BANK | 8 | $880,000 | $110,000 | n/a | 11% | n/a |
| 76 | First Financial Bank | 8 | $750,000 | $93,750 | 6.61% | 52% | 0% |
| 77 | Ixonia Bank | 8 | $1.5M | $182,500 | 7.08% | 10% | 0% |
| 78 | PRIMELENDING | 8 | $1.6M | $202,500 | 6.79% | 10% | 0% |
| 79 | Main Street Bank Corp | 8 | $1.0M | $127,500 | n/a | 15% | n/a |
| 80 | The Genoa Banking Company | 8 | $1.4M | $171,250 | n/a | 0% | n/a |
| 81 | Southern Hills Community Bank | 8 | $890,000 | $111,250 | n/a | 10% | n/a |
| 82 | FIRST COMMUNITY MORTGAGE, INC. | 8 | $1.7M | $217,500 | 6.81% | 0% | 0% |
| 83 | THE COMMERCIAL & SAVINGS BANK | 8 | $1.1M | $136,250 | n/a | 10% | n/a |
| 84 | THE FEDERAL SAVINGS BANK | 8 | $1.1M | $141,250 | 6.94% | 6% | 0% |
| 85 | United Federal Credit Union | 7 | $925,000 | $132,143 | 7.18% | 0% | 0% |
| 86 | HOWARD HANNA FINANCIAL SERVICES, INC | 7 | $1.6M | $223,571 | 6.89% | 11% | 0% |
| 87 | GUARANTEED RATE AFFINITY, LLC | 7 | $1.4M | $200,714 | 7.08% | 0% | 0% |
| 88 | Reliance First Capital, LLC | 7 | $1.1M | $163,571 | 6.66% | 0% | 0% |
| 89 | KEYBANK NATIONAL ASSOCIATION | 7 | $545,000 | $77,857 | 8.37% | 24% | 0% |
| 90 | STOCKTON MORTGAGE CORPORATION | 7 | $1.4M | $200,714 | 7.25% | 8% | 0% |
| 91 | Mechanics Bank | 7 | $795,000 | $113,571 | 6.38% | 0% | 14% |
| 92 | TRUECORE FEDERAL CREDIT UNION | 7 | $425,000 | $60,714 | 8.19% | 17% | 71% |
| 93 | Mortgage Solutions of Colorado | 6 | $1.4M | $238,333 | 7.4% | 0% | 33% |
| 94 | DESCO FEDERAL CREDIT UNION | 6 | $360,000 | $60,000 | 8.29% | 40% | 33% |
| 95 | The Union Bank Company | 6 | $850,000 | $141,667 | n/a | 13% | n/a |
| 96 | Republic State Mortgage Company | 6 | $1.1M | $186,667 | 6.83% | 0% | 0% |
| 97 | First Choice MH LLC | 6 | $630,000 | $105,000 | 10.35% | 0% | 100% |
| 98 | Peoples State Bank | 6 | $840,000 | $140,000 | n/a | 0% | n/a |
| 99 | Croghan Colonial Bank | 6 | $9.1M | $1,510,000 | n/a | 13% | n/a |
| 100 | Kind Lending, LLC | 6 | $1.1M | $188,333 | 7.17% | 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.