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.
75
-35.9% vs 2024$24.3M
+92.7% vs 2024$323,400
10 lenders6.86%
17%
97%
Loans originated by year in RI
Top manufactured home lenders in RI
Select a column heading to re-rank. Select a lender to analyze it. Originations are inferred as loans times average loan. Showing the 10 largest lenders.
| # | |||||||
|---|---|---|---|---|---|---|---|
| 1 | Somerset Federal Credit Union | 27 | $3.3M | $122,407 | 6.12% | 17% | 100% |
| 2 | FALL RIVER MUNICIPAL CREDIT UN | 22 | $2.5M | $115,000 | 6.86% | 15% | 100% |
| 3 | GREENWOOD CREDIT UNION | 13 | $1.4M | $106,538 | 8.12% | 24% | 92% |
| 4 | OCEAN STATE CREDIT UNION | 7 | $845,000 | $120,714 | 6.93% | 22% | 100% |
| 5 | EVERETT FINANCIAL, INC. | 1 | $155,000 | $155,000 | 6.63% | 0% | 0% |
| 6 | The Northwestern Mutual Life Insurance Company | 1 | $15.5M | $15,505,000 | 5.47% | 0% | n/a |
| 7 | Old Second National Bank | 1 | $185,000 | $185,000 | n/a | 0% | n/a |
| 8 | The People's Credit Union | 1 | $65,000 | $65,000 | 8.38% | 50% | 100% |
| 9 | WESTERLY COMMUNITY CREDIT UNION | 1 | $235,000 | $235,000 | 7.75% | 11% | 100% |
| 10 | BAYCOAST BANK | 1 | $45,000 | $45,000 | 9.25% | 0% | 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.