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)
5,461
+14.7% vs 2024Originations
$1.38B
+26.0% vs 2024Average loan
$252,050
218 lendersAverage interest rate
7.21%
Denial rate
25%
Home only share
16%
Loans originated by year in OR
Top manufactured home lenders in OR
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 | TRIAD FINANCIAL SERVICES, INC. | 426 | $47.7M | $111,972 | 8.99% | 36% | 99% |
| 2 | United Wholesale Mortgage | 376 | $123.0M | $327,181 | 6.11% | 12% | 0% |
| 3 | ROGUE CREDIT UNION | 318 | $40.6M | $127,642 | 8.1% | 12% | 37% |
| 4 | GUILD MORTGAGE COMPANY | 301 | $88.0M | $292,276 | 6.5% | 3% | 0% |
| 5 | ROCKET MORTGAGE | 214 | $60.3M | $281,963 | 6.4% | 31% | 0% |
| 6 | 21ST MORTGAGE | 204 | $23.9M | $117,157 | 10.41% | 47% | 88% |
| 7 | COLUMBIA BANK | 187 | $37.5M | $200,722 | 7.52% | 30% | 0% |
| 8 | OnPoint Community Credit Union | 159 | $30.0M | $188,836 | 7.15% | 32% | 0% |
| 9 | NEWREZ LLC | 127 | $42.3M | $333,346 | 6.3% | 11% | 0% |
| 10 | Credit Human Federal Credit Un | 112 | $11.8M | $105,536 | 8.55% | 51% | 96% |
| 11 | CROSSCOUNTRY MORTGAGE, LLC | 109 | $34.9M | $319,954 | 6.6% | 5% | 0% |
| 12 | loanDepot.com LLC | 104 | $26.6M | $255,865 | 6.79% | 15% | 1% |
| 13 | Mid Oregon Federal Credit Union | 100 | $9.5M | $95,200 | 8.57% | 20% | 0% |
| 14 | CMG MORTGAGE INC | 95 | $30.9M | $325,105 | 6.52% | 1% | 0% |
| 15 | American Pacific Mortgage Corporation | 85 | $23.8M | $279,824 | 6.79% | 5% | 0% |
| 16 | Mortgage Research Center | 84 | $27.2M | $324,286 | 6.57% | 16% | 0% |
| 17 | FIRST COMMUNITY CREDIT UNION | 82 | $9.4M | $114,512 | 5.75% | 20% | 0% |
| 18 | FAIRWAY INDEPENDENT MORT CORP | 81 | $25.3M | $312,531 | 6.72% | 9% | 0% |
| 19 | OREGON COMMUNITY CREDIT UNION | 80 | $8.6M | $107,750 | 7.8% | 17% | 0% |
| 20 | SUMMIT FUNDING.INC | 75 | $22.4M | $298,733 | 6.69% | 6% | 0% |
| 21 | Banner Bank | 69 | $16.0M | $232,246 | 7.08% | 32% | 0% |
| 22 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 69 | $21.9M | $317,754 | 6.99% | 0% | 0% |
| 23 | UNION HOME MORTGAGE CORP. | 68 | $24.3M | $357,941 | 6.65% | 6% | 0% |
| 24 | US BANK, N.A. | 65 | $11.0M | $169,769 | 7.21% | 60% | 0% |
| 25 | Kind Lending, LLC | 56 | $16.9M | $300,893 | 6.57% | 28% | 0% |
| 26 | FREEDOM MORTGAGE CORPORATION | 55 | $16.9M | $306,455 | 5.95% | 11% | 0% |
| 27 | FIBRE FEDERAL CREDIT UNION | 55 | $5.5M | $100,818 | 7.64% | 33% | 11% |
| 28 | Synergy One Lending, Inc. | 54 | $16.7M | $308,704 | 6.73% | 4% | 0% |
| 29 | American Financial Resources LLC | 50 | $17.4M | $347,400 | 6.39% | 6% | 0% |
| 30 | MOVEMENT MORTGAGE, LLC | 46 | $15.2M | $329,783 | 7.19% | 0% | 0% |
| 31 | NATIONS LENDING CORPORATION | 45 | $13.0M | $289,444 | 6.47% | 6% | 0% |
| 32 | Directors Mortgage, Inc | 44 | $12.9M | $293,409 | 6.66% | 4% | 86% |
| 33 | NEW AMERICAN FUNDING, LLC. | 43 | $11.0M | $256,163 | 6.82% | 11% | 0% |
| 34 | Alliant Credit Union | 42 | $4.6M | $109,048 | 8.91% | 6% | 0% |
| 35 | GUARANTEED RATE, INC. | 40 | $12.3M | $307,250 | 6.56% | 9% | 0% |
| 36 | NATIONS DIRECT MORTGAGE, LLC | 39 | $12.9M | $329,872 | 6.55% | 2% | 0% |
| 37 | PENNYMAC LOAN SERVICES LLC | 39 | $13.3M | $340,897 | 6.38% | 11% | 0% |
| 38 | OREGON STATE CREDIT UNION | 36 | $6.2M | $170,833 | 7.42% | 14% | 0% |
| 39 | Sunflower Bank, N.A. | 34 | $11.7M | $345,000 | 6.55% | 0% | 0% |
| 40 | Mutual of Omaha Mortgage | 31 | $8.7M | $281,129 | 6.39% | 28% | 0% |
| 41 | 1st Security Bank of Washington | 29 | $9.8M | $339,138 | 7.53% | 10% | 0% |
| 42 | PARAMOUNT RESIDENTIAL MORTGAGE | 28 | $10.9M | $388,214 | 6.68% | 2% | 0% |
| 43 | AMERISAVE MORTGAGE COMPANY | 28 | $6.8M | $243,929 | 6.39% | 65% | 0% |
| 44 | Navy Federal Credit Union | 27 | $7.3M | $270,556 | 6.44% | 27% | 0% |
| 45 | Sierra Pacific Mortgage Co. Inc | 27 | $7.6M | $282,407 | 6.48% | 5% | 0% |
| 46 | AGWEST FARM CREDIT, FLCA | 25 | $11.8M | $472,600 | 6.51% | 14% | 0% |
| 47 | Equity Prime Mortgage LLC | 25 | $8.1M | $324,200 | 6.36% | 7% | 0% |
| 48 | MORTGAGE EXPRESS | 25 | $9.1M | $364,600 | 6.33% | 15% | 0% |
| 49 | Bayshore Mortgage Funding | 25 | $5.2M | $208,200 | 6.85% | 3% | 0% |
| 50 | CHURCHILL MORTGAGE CORPORATION | 24 | $6.1M | $254,583 | 6.8% | 3% | 0% |
| 51 | KEYBANK NATIONAL ASSOCIATION | 23 | $4.6M | $201,522 | 7.43% | 27% | 0% |
| 52 | ALAMEDA MORTGAGE CORPORATION | 23 | $8.0M | $347,174 | 6.54% | 0% | 0% |
| 53 | GOPRIME MORTGAGE, INC. | 22 | $6.7M | $305,000 | 6.6% | 4% | 0% |
| 54 | Village Capital & Investment | 22 | $7.5M | $343,182 | 5.87% | 25% | 0% |
| 55 | LPMC, LLC DBA LANDMARK PROFESS | 21 | $5.3M | $253,095 | 6.59% | 0% | 0% |
| 56 | CANOPY MORTGAGE, LLC | 20 | $7.0M | $349,000 | 6.46% | 0% | 0% |
| 57 | AMERICAN FINANCIAL NETWORK, INC. | 20 | $6.3M | $316,500 | 6.91% | 12% | 0% |
| 58 | First Interstate Bank | 17 | $2.3M | $137,941 | 8.38% | 36% | 0% |
| 59 | Embold Federal Credit Union | 17 | $1.7M | $97,941 | 7.95% | 19% | 0% |
| 60 | Mason-McDuffie Mortgage Corporation | 17 | $5.3M | $313,235 | 6.88% | 18% | 0% |
| 61 | Carrington Mortgage Services LLC | 16 | $4.0M | $251,875 | 6.95% | 31% | 0% |
| 62 | SUN WEST MORTGAGE COMPANY, INC | 16 | $4.9M | $308,750 | 6.07% | 20% | 0% |
| 63 | PHH Mortgage Corporation | 15 | $4.2M | $279,667 | 5.92% | 7% | 0% |
| 64 | PLAZA HOME MORTGAGE, INC | 14 | $3.1M | $220,000 | 6.86% | 26% | 0% |
| 65 | NOVA Financial & Investment Corporation | 14 | $4.0M | $286,429 | 6.3% | 15% | 0% |
| 66 | Wauna Federal Credit Union | 14 | $1.4M | $99,286 | 7.04% | 13% | 0% |
| 67 | GENWAY HOME MORTGAGE, INC. | 14 | $2.3M | $161,429 | 7.69% | 17% | 0% |
| 68 | Premier Mortgage Resources, LLC | 13 | $3.8M | $288,846 | 6.73% | 5% | 0% |
| 69 | Freedom Northwest Credit Union | 13 | $2.1M | $159,615 | n/a | 0% | n/a |
| 70 | FINANCE OF AMERICA REVERSE LLC | 13 | $2.3M | $174,231 | 6.14% | 6% | 0% |
| 71 | SELCO COMMUNITY CREDIT UNION | 12 | $1.3M | $108,333 | 7.12% | 72% | 0% |
| 72 | HomeStreet Bank | 12 | $2.8M | $229,167 | 6.85% | 15% | 0% |
| 73 | Unitus Community Credit Union | 11 | $1.4M | $126,818 | 7.65% | 41% | 0% |
| 74 | Rain City Capital, LLC | 10 | $2.1M | $215,000 | 11.5% | 9% | 0% |
| 75 | LONGBRIDGE FINANCIAL, LLC | 10 | $1.4M | $141,000 | 6.04% | 5% | 0% |
| 76 | RIVERMARK COMMUNITY CREDIT UNION | 10 | $1.6M | $159,000 | 7.97% | 42% | 10% |
| 77 | GESA CREDIT UNION | 10 | $1.6M | $161,000 | 8.19% | 7% | 0% |
| 78 | PEAK CREDIT UNION | 10 | $1.9M | $188,000 | 7.04% | 56% | 0% |
| 79 | A&D MORTGAGE LLC | 10 | $2.5M | $253,000 | 7.76% | 16% | 100% |
| 80 | SUCCESS MORTGAGE PARTNERS, INC | 9 | $2.9M | $322,778 | 6.75% | 0% | 0% |
| 81 | Better Mortgage Corporation | 9 | $2.8M | $312,778 | 6.64% | 37% | 0% |
| 82 | South River Mortgage, LLC | 8 | $1.2M | $147,500 | 6.2% | 0% | n/a |
| 83 | ENVOY MORTGAGE, LTD | 8 | $3.1M | $392,500 | 6.72% | 8% | 0% |
| 84 | THE FEDERAL SAVINGS BANK | 8 | $2.4M | $301,250 | 6.28% | 8% | 0% |
| 85 | PRIMELENDING | 8 | $2.2M | $273,750 | 6.76% | 11% | 0% |
| 86 | LOAN SIMPLE, INC. | 8 | $2.3M | $287,500 | 6.8% | 8% | n/a |
| 87 | BMO Harris Bank NA | 7 | $505,000 | $72,143 | 9.57% | 60% | 0% |
| 88 | Click n' Close, Inc. | 7 | $1.6M | $223,571 | 6.63% | 0% | 0% |
| 89 | FIRST NATIONAL BANK OF AMERICA | 7 | $1.5M | $220,714 | 9.46% | 18% | 0% |
| 90 | GTE FEDERAL CREDIT UNION | 7 | $815,000 | $116,429 | 8.86% | 30% | 0% |
| 91 | Marion & Polk Schools Credit Union | 7 | $1.2M | $170,714 | 7.7% | 26% | 0% |
| 92 | EVERETT FINANCIAL, INC. | 7 | $2.4M | $342,143 | 6.7% | 0% | 0% |
| 93 | Mortgage Solutions of Colorado | 7 | $2.2M | $317,857 | 6.98% | 8% | 14% |
| 94 | AdvantageFirst Lending Inc | 7 | $2.3M | $330,714 | 6.05% | 12% | 0% |
| 95 | FIRST COLONY MORTGAGE CORPORAT | 6 | $1.4M | $226,667 | 6.43% | 13% | 0% |
| 96 | BAY EQUITY LLC | 6 | $2.1M | $355,000 | 6.94% | 0% | 0% |
| 97 | Nationstar Mortgage | 6 | $1.6M | $273,333 | 5.5% | 0% | 0% |
| 98 | AMERICAN FINANCING CORPORATION | 6 | $2.0M | $335,000 | 6.04% | 43% | 0% |
| 99 | Willamette Valley Bank | 6 | $3.2M | $530,000 | 6.22% | 11% | 0% |
| 100 | VANDERBILT MORTGAGE AND FINANCE, INC | 6 | $790,000 | $131,667 | 10.25% | 32% | 100% |
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.