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)
4,030
+10.8% vs 2024Originations
$545.4M
+26.4% vs 2024Average loan
$135,325
265 lendersAverage interest rate
7.69%
Denial rate
36%
Home only share
38%
Loans originated by year in PA
Top manufactured home lenders in PA
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. | 552 | $43.2M | $78,225 | 8.88% | 33% | 99% |
| 2 | 21ST MORTGAGE | 440 | $38.6M | $87,841 | 10.93% | 48% | 91% |
| 3 | Acre Mortgage & Financial, Inc. | 199 | $56.6M | $284,246 | 6.7% | 1% | 0% |
| 4 | Credit Human Federal Credit Un | 125 | $10.7M | $85,400 | 8.61% | 43% | 99% |
| 5 | ROCKET MORTGAGE | 105 | $17.1M | $163,095 | 6.72% | 47% | 0% |
| 6 | Tammac Holdings Corporation | 95 | $7.6M | $79,842 | 9.77% | 63% | 100% |
| 7 | FIRST COMMONWEALTH BANK | 92 | $7.8M | $84,891 | 6.36% | 31% | 0% |
| 8 | VANDERBILT MORTGAGE AND FINANCE, INC | 88 | $23.9M | $271,136 | 10.64% | 48% | 80% |
| 9 | United Wholesale Mortgage | 77 | $14.6M | $189,026 | 6.23% | 25% | 0% |
| 10 | FIRST NATIONAL BANK OF PA | 72 | $5.3M | $74,167 | 6.68% | 14% | 0% |
| 11 | Greater Pittsburgh Police FCU | 68 | $4.3M | $63,971 | 5.3% | 4% | 90% |
| 12 | PNC BANK N.A. | 67 | $6.1M | $90,522 | 4.02% | 39% | 0% |
| 13 | SOMERSET TRUST COMPANY | 66 | $5.9M | $89,848 | 6.75% | 21% | 12% |
| 14 | CNB BANK | 65 | $7.0M | $108,231 | 6.54% | 8% | 0% |
| 15 | CITIZENS & NORTHERN BANK | 65 | $6.7M | $103,769 | 7.46% | 17% | 9% |
| 16 | Northwest Bank | 57 | $4.1M | $71,842 | 6.45% | 30% | 0% |
| 17 | Pennsylvania State Employees Credit Union | 51 | $3.9M | $75,980 | 6.75% | 34% | 0% |
| 18 | Community State Bank of Orbisonia | 50 | $3.3M | $65,200 | 6.83% | 23% | 0% |
| 19 | CROSSCOUNTRY MORTGAGE, LLC | 46 | $8.5M | $185,217 | 6.46% | 10% | 0% |
| 20 | ACNB BANK | 43 | $7.2M | $167,326 | 7.01% | 6% | 2% |
| 21 | NexTier Bank, National Association | 38 | $5.6M | $148,421 | 6.84% | 14% | 0% |
| 22 | Mortgage Research Center | 37 | $7.5M | $203,378 | 6.55% | 20% | 0% |
| 23 | Journey Bank | 34 | $2.9M | $85,588 | 7.97% | 5% | 29% |
| 24 | Ballston Spa National Bank | 32 | $2.6M | $82,813 | n/a | 0% | n/a |
| 25 | S&T Bank | 32 | $2.9M | $89,063 | 5.39% | 41% | 0% |
| 26 | UNION HOME MORTGAGE CORP. | 32 | $5.3M | $164,063 | 6.74% | 9% | 0% |
| 27 | Hometown Bank of Pennsylvania | 31 | $2.8M | $89,516 | n/a | 0% | n/a |
| 28 | Farmers and Merchants Trust Company of Chambersburg | 31 | $4.1M | $132,742 | 6.47% | 24% | 0% |
| 29 | NEWREZ LLC | 30 | $5.3M | $177,333 | 6.64% | 20% | 0% |
| 30 | NEW AMERICAN FUNDING, LLC. | 29 | $5.0M | $171,207 | 6.92% | 17% | 0% |
| 31 | FIRST CREDIT CORPORATION OF NY, INC. | 28 | $2.4M | $85,000 | 8.07% | 65% | 100% |
| 32 | M&T BANK | 27 | $1.8M | $65,370 | 6.48% | 42% | 0% |
| 33 | FULTON BANK, NATIONAL ASSOCIATION | 26 | $2.3M | $88,077 | 6.44% | 25% | 0% |
| 34 | American Financial Resources LLC | 25 | $4.3M | $171,000 | 6.72% | 11% | 0% |
| 35 | KISH BANK | 25 | $3.3M | $131,000 | 6.7% | 13% | 0% |
| 36 | MARQUETTE SAVINGS BANK | 25 | $2.5M | $100,200 | 6.67% | 17% | 0% |
| 37 | Bank of Bird in Hand | 25 | $6.9M | $276,200 | n/a | 4% | n/a |
| 38 | The Bank of Landisburg | 24 | $1.9M | $78,750 | n/a | 18% | n/a |
| 39 | JERSEY SHORE STATE BANK | 24 | $2.2M | $90,000 | 5.67% | 9% | 0% |
| 40 | FIRST FEDERAL SAVINGS AND LOAN | 23 | $2.7M | $117,609 | 5.9% | 6% | 0% |
| 41 | Grove City Area Federal Credit Union | 22 | $1.6M | $72,273 | 5.68% | 0% | 0% |
| 42 | Community Bank, N.A. | 22 | $2.5M | $115,455 | 7.16% | 31% | 0% |
| 43 | ARMCO CREDIT UNION | 21 | $1.5M | $69,762 | 7.52% | 7% | 48% |
| 44 | InFirst Bank | 20 | $2.2M | $112,000 | 6.72% | 14% | 0% |
| 45 | GREENWOOD CREDIT UNION | 20 | $1.6M | $81,000 | 9.02% | 13% | 100% |
| 46 | PRIMELENDING | 20 | $2.4M | $119,000 | 6.44% | 10% | 0% |
| 47 | Equity Prime Mortgage LLC | 20 | $3.1M | $156,000 | 6.64% | 0% | 0% |
| 48 | GUILD MORTGAGE COMPANY | 18 | $3.0M | $164,444 | 6.66% | 19% | 0% |
| 49 | MEMBERS 1ST FCU | 18 | $1.5M | $83,333 | 4.08% | 60% | 0% |
| 50 | loanDepot.com LLC | 17 | $1.9M | $113,235 | 7.21% | 52% | 0% |
| 51 | FAIRWAY INDEPENDENT MORT CORP | 16 | $3.4M | $213,125 | 6.77% | 13% | 0% |
| 52 | 1ST SUMMIT BANK | 16 | $1.5M | $93,750 | 6.4% | 24% | 0% |
| 53 | AMERISAVE MORTGAGE COMPANY | 16 | $2.0M | $127,500 | 6.77% | 72% | 0% |
| 54 | NATIONS LENDING CORPORATION | 15 | $2.7M | $183,000 | 6.22% | 15% | 0% |
| 55 | Ixonia Bank | 15 | $2.2M | $147,000 | 6.77% | 5% | 0% |
| 56 | PLAZA HOME MORTGAGE, INC | 14 | $1.9M | $139,286 | 6.66% | 21% | 0% |
| 57 | MOVEMENT MORTGAGE, LLC | 13 | $2.2M | $168,077 | 7.12% | 6% | 0% |
| 58 | Elderton State Bank | 13 | $3.3M | $257,308 | n/a | 19% | n/a |
| 59 | THE HONESDALE NATIONAL BANK | 12 | $1.2M | $99,167 | 7.55% | 0% | 0% |
| 60 | PENNYMAC LOAN SERVICES LLC | 12 | $2.5M | $207,500 | 6.26% | 21% | 0% |
| 61 | PEOPLES SECURITY BANK AND TRUST COMPANY | 12 | $4.4M | $370,000 | 4.64% | 14% | 0% |
| 62 | TIDEWATER MORTGAGE SERVICES, INC | 12 | $2.5M | $209,167 | 6.81% | 13% | 0% |
| 63 | PENNCREST BANK | 11 | $1.2M | $112,273 | n/a | 8% | n/a |
| 64 | Navy Federal Credit Union | 11 | $1.4M | $125,000 | 7.31% | 37% | 0% |
| 65 | PS BANK | 11 | $1.3M | $116,818 | n/a | 24% | n/a |
| 66 | FIRST CITIZENS COMMUNITY BANK | 11 | $655,000 | $59,545 | 8.76% | 24% | 18% |
| 67 | Mutual of Omaha Mortgage | 11 | $1.3M | $121,364 | 6.98% | 13% | 0% |
| 68 | FREEDOM MORTGAGE CORPORATION | 10 | $1.4M | $145,000 | 6.14% | 39% | 0% |
| 69 | GUARANTEED RATE, INC. | 10 | $1.6M | $157,000 | 6.77% | 14% | 0% |
| 70 | Patriot FCU | 10 | $2.0M | $196,000 | 6.21% | 50% | 0% |
| 71 | Mid Penn Bank | 9 | $865,000 | $96,111 | 7.27% | 55% | 0% |
| 72 | GREENVILLE SAVINGS BANK | 9 | $1.1M | $126,111 | n/a | 23% | n/a |
| 73 | Fidelity Deposit & Discount Bank | 9 | $1.2M | $136,111 | 6.79% | 17% | 11% |
| 74 | CMG MORTGAGE INC | 9 | $2.1M | $235,000 | 6.64% | 32% | 0% |
| 75 | Reliance First Capital, LLC | 9 | $1.4M | $157,222 | 6.65% | 8% | 0% |
| 76 | Equity Resources Inc | 9 | $1.9M | $210,556 | 6.55% | 9% | 0% |
| 77 | Horizon Farm Credit, ACA | 9 | $2.0M | $223,889 | 7.26% | 0% | 0% |
| 78 | FIRST COMMUNITY MORTGAGE, INC. | 9 | $2.0M | $222,778 | 6.93% | 10% | 0% |
| 79 | MORTGAGE AMERICA, INC. | 9 | $1.9M | $207,222 | 6.68% | 0% | 0% |
| 80 | Kind Lending, LLC | 8 | $1.3M | $157,500 | 6.84% | 33% | 0% |
| 81 | THE FEDERAL SAVINGS BANK | 8 | $1.7M | $207,500 | 6.56% | 15% | 0% |
| 82 | FIRST NORTHERN BANK AND TRUST COMPANY | 8 | $1.1M | $143,750 | n/a | 27% | n/a |
| 83 | Pennian Bank | 7 | $1.2M | $170,714 | n/a | 25% | n/a |
| 84 | First Keystone Community Bank | 7 | $1.7M | $249,286 | 7.11% | 15% | 0% |
| 85 | WAYNE BANK | 7 | $6.3M | $896,429 | n/a | 36% | n/a |
| 86 | SERVICE 1ST FEDERAL CREDIT UNI | 7 | $555,000 | $79,286 | 6.92% | 11% | 0% |
| 87 | Performance Equity Partners, Inc. | 7 | $275,000 | $39,286 | 12.56% | 43% | 100% |
| 88 | THE JUNIATA VALLEY BANK | 7 | $385,000 | $55,000 | n/a | 30% | n/a |
| 89 | Victorian Finance, LLC | 6 | $1.1M | $183,333 | 6.77% | 0% | 0% |
| 90 | South River Mortgage, LLC | 6 | $450,000 | $75,000 | 5.79% | 0% | n/a |
| 91 | THE DIME BANK | 6 | $880,000 | $146,667 | n/a | 22% | n/a |
| 92 | CARDINAL FINANCIAL COMPANY, LI | 6 | $1.1M | $190,000 | 6.81% | 27% | 0% |
| 93 | HOWARD HANNA FINANCIAL SERVICES, INC | 6 | $1.2M | $198,333 | 6.71% | 0% | 0% |
| 94 | FARMERS NATIONAL BANK | 6 | $310,000 | $51,667 | 6.54% | 0% | 0% |
| 95 | AFFORDABLE MORTGAGE ADVISORS | 6 | $840,000 | $140,000 | 6.79% | 0% | 0% |
| 96 | State Financial Network LLC | 6 | $820,000 | $136,667 | 6.54% | 0% | 0% |
| 97 | Reliance Savings Bank | 6 | $550,000 | $91,667 | n/a | 27% | n/a |
| 98 | GUARANTEED RATE AFFINITY, LLC | 6 | $1.6M | $266,667 | 6.63% | 14% | 0% |
| 99 | Huntington National Bank | 5 | $685,000 | $137,000 | 5.75% | 81% | 0% |
| 100 | PARAMOUNT RESIDENTIAL MORTGAGE | 5 | $1.0M | $203,000 | 6.48% | 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.