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)
3,954
+2.6% vs 2024Originations
$552.0M
+9.3% vs 2024Average loan
$139,595
211 lendersAverage interest rate
8.26%
Denial rate
41%
Home only share
39%
Loans originated by year in OK
Top manufactured home lenders in OK
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 | 873 | $104.7M | $119,971 | 10.02% | 47% | 72% |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC | 304 | $38.1M | $125,395 | 9.96% | 38% | 72% |
| 3 | TRIAD FINANCIAL SERVICES, INC. | 271 | $31.9M | $117,620 | 9.31% | 51% | 93% |
| 4 | BANCFIRST | 247 | $20.3M | $82,287 | 8.28% | 12% | 11% |
| 5 | SOUTHWEST STAGE FUNDING LLC | 210 | $36.0M | $171,476 | 8.24% | 10% | 67% |
| 6 | ROCKET MORTGAGE | 128 | $19.2M | $150,234 | 6.7% | 43% | 0% |
| 7 | ARVEST BANK | 100 | $14.3M | $143,400 | 6.67% | 20% | 1% |
| 8 | United Wholesale Mortgage | 86 | $16.2M | $188,023 | 6.24% | 18% | 0% |
| 9 | Mortgage Research Center | 72 | $14.6M | $203,056 | 6.66% | 17% | 0% |
| 10 | FLAT BRANCH MORTGAGE, INC. | 62 | $10.6M | $171,129 | 6.78% | 1% | 0% |
| 11 | FIRST UNITED BANK AND TRUST CO | 55 | $6.9M | $126,273 | 8.37% | 21% | 5% |
| 12 | Credit Human Federal Credit Un | 54 | $6.2M | $114,259 | 8.08% | 80% | 98% |
| 13 | Armstrong Bank | 52 | $4.6M | $87,885 | 7.78% | 8% | 8% |
| 14 | GUILD MORTGAGE COMPANY | 50 | $7.9M | $158,800 | 6.76% | 4% | 0% |
| 15 | Great Plains National Bank | 41 | $6.6M | $159,878 | 7.32% | 7% | 0% |
| 16 | American Financial Resources LLC | 41 | $9.1M | $222,561 | 6.14% | 6% | 0% |
| 17 | CARDINAL FINANCIAL COMPANY, LI | 40 | $8.5M | $211,500 | 6.24% | 15% | 0% |
| 18 | ASSOCIATED MORTGAGE CORPORATION | 39 | $7.7M | $197,308 | 6.71% | 0% | 0% |
| 19 | FIRST BANK AND TRUST CO | 38 | $4.0M | $105,526 | n/a | 10% | n/a |
| 20 | NEWREZ LLC | 38 | $7.5M | $198,684 | 6.48% | 17% | 0% |
| 21 | CSL Financial, LLC | 36 | $4.3M | $120,000 | 8.4% | 55% | 100% |
| 22 | NEW AMERICAN FUNDING, LLC. | 34 | $5.5M | $162,059 | 7.02% | 13% | 0% |
| 23 | Firstar Bank | 30 | $4.2M | $141,000 | 7.16% | 13% | 0% |
| 24 | GATEWAY FIRST BANK | 28 | $4.2M | $148,929 | 6.61% | 13% | 0% |
| 25 | CANOPY MORTGAGE, LLC | 27 | $5.3M | $195,000 | 6.81% | 0% | 0% |
| 26 | Vision Bank | 23 | $2.6M | $114,565 | 7.97% | 17% | 0% |
| 27 | Navy Federal Credit Union | 22 | $3.0M | $138,182 | 6.66% | 20% | 0% |
| 28 | Stride Bank, National Association | 21 | $3.8M | $178,810 | 6.71% | 12% | 0% |
| 29 | Click n' Close, Inc. | 21 | $3.6M | $169,762 | 6.42% | 0% | 0% |
| 30 | Zippy Loans, LLC | 20 | $820,000 | $41,000 | 10.67% | 42% | 100% |
| 31 | Highlands Residential Mortgage, Ltd. | 19 | $3.7M | $195,000 | 6.66% | 0% | 0% |
| 32 | COUNTRYPLACE MORTGAGE, LTD. | 18 | $2.6M | $145,000 | 8.15% | 57% | 83% |
| 33 | CALCON MUTUAL MORTGAGE LLC | 18 | $4.5M | $247,222 | 6.47% | 28% | 0% |
| 34 | MLD MORTGAGE, INC.DBA THE MONEY STORE | 18 | $2.8M | $155,556 | 6.76% | 9% | 0% |
| 35 | Equity Bank | 17 | $2.2M | $129,118 | 8.06% | 15% | 14% |
| 36 | BOKF NA | 17 | $2.9M | $169,706 | 6.38% | 49% | 0% |
| 37 | PAYNE COUNTY BANK | 17 | $1.4M | $80,882 | n/a | 0% | n/a |
| 38 | Mabrey Bank | 15 | $1.1M | $71,667 | n/a | 30% | n/a |
| 39 | Equity Prime Mortgage LLC | 15 | $2.3M | $152,333 | 6.83% | 13% | 0% |
| 40 | PENNYMAC LOAN SERVICES LLC | 15 | $3.0M | $200,333 | 6.32% | 16% | 0% |
| 41 | NATIONS LENDING CORPORATION | 14 | $2.1M | $149,286 | 6.63% | 30% | 0% |
| 42 | AMERICAN EXCHANGE BANK | 14 | $1.2M | $87,143 | n/a | 24% | n/a |
| 43 | loanDepot.com LLC | 14 | $1.9M | $133,571 | 6.9% | 69% | 0% |
| 44 | AMERISAVE MORTGAGE COMPANY | 14 | $2.1M | $152,857 | 6.5% | 71% | 0% |
| 45 | Bank of Commerce | 13 | $2.1M | $158,846 | n/a | 10% | n/a |
| 46 | WATERSTONE MORTGAGE CORPORATION | 13 | $1.9M | $147,308 | 6.83% | 0% | 0% |
| 47 | V.I.P. MORTGAGE, INC. | 13 | $2.7M | $204,231 | 6.69% | 11% | 0% |
| 48 | The Bank, National Association | 12 | $1.9M | $159,167 | n/a | 0% | n/a |
| 49 | Kind Lending, LLC | 12 | $2.1M | $177,500 | 6.71% | 48% | 0% |
| 50 | TINKER FEDERAL CREDIT UNION | 12 | $1.1M | $88,333 | 7.44% | 37% | 50% |
| 51 | FNB & Trust of Ardmore | 12 | $1.5M | $125,833 | n/a | 19% | n/a |
| 52 | AMERICAN BANK OF OKLAHOMA | 11 | $1.5M | $139,545 | 7.53% | 32% | 0% |
| 53 | FREEDOM MORTGAGE CORPORATION | 11 | $2.1M | $192,273 | 6.18% | 29% | 0% |
| 54 | PLAZA HOME MORTGAGE, INC | 11 | $1.4M | $127,727 | 7.43% | 13% | 0% |
| 55 | Shamrock Bank N.A. | 11 | $1.3M | $121,364 | n/a | 0% | n/a |
| 56 | TOWNE MORTGAGE COMPANY | 11 | $2.0M | $179,545 | 7.02% | 5% | 0% |
| 57 | AMERISTATE BANK | 10 | $810,000 | $81,000 | n/a | 8% | n/a |
| 58 | CORNERSTONE CAPITAL BANK, SSB | 10 | $2.1M | $212,000 | 6.59% | 0% | 0% |
| 59 | AMERICAN FINANCING CORPORATION | 10 | $1.7M | $166,000 | 6.91% | 52% | 0% |
| 60 | American Nation Bank | 10 | $1.1M | $109,000 | n/a | 13% | n/a |
| 61 | GENEVA FINANCIAL LLC | 10 | $1.9M | $191,000 | 6.79% | 0% | 0% |
| 62 | F&M Bank | 9 | $885,000 | $98,333 | 7.64% | 10% | 11% |
| 63 | First Bank & Trust Company, Perry, Oklahoma | 9 | $625,000 | $69,444 | n/a | 17% | n/a |
| 64 | UNION HOME MORTGAGE CORP. | 9 | $1.7M | $187,222 | 6.57% | 7% | 0% |
| 65 | Mortgage Solutions of Colorado | 9 | $2.1M | $230,556 | 6.89% | 16% | 22% |
| 66 | American Mortgage Bank | 9 | $1.4M | $150,556 | 6.73% | 8% | 0% |
| 67 | First Texoma National Bank | 9 | $1.1M | $123,889 | n/a | 0% | n/a |
| 68 | First National Bank of Fort Smith | 9 | $675,000 | $75,000 | 7.19% | 9% | 0% |
| 69 | Village Capital & Investment | 9 | $2.4M | $271,667 | 5.75% | 5% | 0% |
| 70 | THE CENTRAL TRUST BANK | 9 | $1.6M | $177,222 | 6.61% | 15% | 0% |
| 71 | CROSSCOUNTRY MORTGAGE, LLC | 9 | $1.8M | $197,222 | 6.61% | 4% | 0% |
| 72 | INTERLINC MORTGAGE SERVICES, LLC | 8 | $1.4M | $175,000 | 6.91% | 25% | 0% |
| 73 | FirstTrust Home Loans | 8 | $1.3M | $158,750 | 6.28% | 0% | 0% |
| 74 | SUCCESS MORTGAGE PARTNERS, INC | 8 | $1.7M | $216,250 | 6.75% | 13% | 0% |
| 75 | PLANET HOME LENDING, LLC | 8 | $1.6M | $195,000 | 6.37% | 18% | 0% |
| 76 | 1st Signature Lending, LLC | 8 | $2.0M | $245,000 | 5.95% | 6% | 0% |
| 77 | Patrons Bank, NA | 8 | $820,000 | $102,500 | n/a | 0% | n/a |
| 78 | COMMUNITY BANK | 7 | $735,000 | $105,000 | n/a | 10% | n/a |
| 79 | THE FEDERAL SAVINGS BANK | 7 | $1.3M | $185,000 | 6.86% | 13% | 0% |
| 80 | GUARANTEED RATE, INC. | 7 | $1.4M | $202,143 | 6.71% | 10% | 0% |
| 81 | THE MORTGAGE LINK, INC. | 7 | $1.1M | $160,714 | 6.55% | 0% | 0% |
| 82 | American Heritage Bank | 7 | $585,000 | $83,571 | n/a | 46% | n/a |
| 83 | T2 FINANCIAL LLC | 7 | $1.5M | $219,286 | 6.14% | 11% | 0% |
| 84 | LAND HOME FINANCIAL SERVICES, | 7 | $745,000 | $106,429 | 8.64% | 0% | 100% |
| 85 | Southwest Funding LP | 7 | $1.3M | $189,286 | 6.6% | 12% | 0% |
| 86 | Local Bank | 6 | $940,000 | $156,667 | n/a | 0% | n/a |
| 87 | First National Bank of Oklahoma | 6 | $800,000 | $133,333 | n/a | 0% | n/a |
| 88 | LIBERTY NATIONAL BANK | 6 | $560,000 | $93,333 | n/a | 0% | n/a |
| 89 | Carrington Mortgage Services LLC | 6 | $970,000 | $161,667 | 8% | 57% | 0% |
| 90 | Grand Savings Bank | 6 | $490,000 | $81,667 | n/a | 30% | n/a |
| 91 | Gardner Financial Services | 6 | $770,000 | $128,333 | 6.6% | 0% | 0% |
| 92 | FAIRWAY INDEPENDENT MORT CORP | 6 | $870,000 | $145,000 | 7.33% | 0% | 0% |
| 93 | SUN WEST MORTGAGE COMPANY, INC | 6 | $1.1M | $186,667 | 6.31% | 0% | 0% |
| 94 | CHICKASAW COMMUNITY BANK | 6 | $1.2M | $196,667 | 6.17% | 15% | 0% |
| 95 | SOVEREIGN BANK | 6 | $1.1M | $190,000 | 7.29% | 0% | 0% |
| 96 | EVERETT FINANCIAL, INC. | 6 | $1.4M | $226,667 | 7.04% | 0% | 0% |
| 97 | AMERICAN HOMESTAR MORTGAGE, LLC | 6 | $1.2M | $198,333 | 6.25% | 57% | 0% |
| 98 | AMERICAN FINANCIAL NETWORK, INC. | 6 | $1.0M | $171,667 | 7.56% | 0% | 0% |
| 99 | All America Bank | 5 | $375,000 | $75,000 | n/a | 0% | n/a |
| 100 | Better Mortgage Corporation | 5 | $875,000 | $175,000 | 6.5% | 27% | 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.