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)
7,811
+14.3% vs 2024Originations
$1.37B
+17.8% vs 2024Average loan
$174,813
297 lendersAverage interest rate
8.01%
Denial rate
40%
Home only share
30%
Loans originated by year in SC
Top manufactured home lenders in SC
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 | 1,205 | $143.0M | $118,668 | 10.49% | 48% | 69% |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC | 910 | $119.0M | $130,769 | 10.58% | 48% | 69% |
| 3 | TRIAD FINANCIAL SERVICES, INC. | 361 | $49.9M | $138,186 | 8.89% | 44% | 95% |
| 4 | United Wholesale Mortgage | 330 | $68.7M | $208,303 | 6.25% | 15% | 0% |
| 5 | SOUTHWEST STAGE FUNDING LLC | 327 | $59.6M | $182,401 | 7.77% | 9% | 59% |
| 6 | ROCKET MORTGAGE | 327 | $54.2M | $165,887 | 6.59% | 33% | 0% |
| 7 | American Financial Resources LLC | 244 | $53.3M | $218,238 | 6.39% | 7% | 0% |
| 8 | GUILD MORTGAGE COMPANY | 189 | $32.5M | $171,772 | 6.68% | 10% | 0% |
| 9 | 1st Signature Lending, LLC | 173 | $42.4M | $245,231 | 5.87% | 5% | 0% |
| 10 | CROSSCOUNTRY MORTGAGE, LLC | 148 | $28.1M | $189,527 | 6.7% | 2% | 0% |
| 11 | Mortgage Research Center | 139 | $29.1M | $209,388 | 6.71% | 19% | 0% |
| 12 | Founders Federal Credit Union | 94 | $9.2M | $98,085 | 8.55% | 36% | 0% |
| 13 | CARDINAL FINANCIAL COMPANY, LI | 86 | $17.4M | $201,744 | 6.65% | 15% | 0% |
| 14 | American Pacific Mortgage Corporation | 82 | $16.3M | $198,780 | 6.82% | 15% | 0% |
| 15 | SOUTHSTATE BANK, NATIONAL ASSOCIATION | 82 | $11.1M | $135,122 | 7.86% | 50% | 55% |
| 16 | MOVEMENT MORTGAGE, LLC | 81 | $14.0M | $172,654 | 7.06% | 3% | 0% |
| 17 | Anderson Brothers Bank | 80 | $9.5M | $118,500 | n/a | 6% | n/a |
| 18 | LOWER, LLC | 79 | $15.4M | $195,000 | 6.87% | 10% | 0% |
| 19 | PRIMELENDING | 78 | $16.3M | $208,333 | 6.63% | 7% | 0% |
| 20 | FAIRWAY INDEPENDENT MORT CORP | 77 | $13.2M | $171,753 | 6.97% | 3% | 0% |
| 21 | NEWREZ LLC | 75 | $15.4M | $204,733 | 6.47% | 26% | 0% |
| 22 | THE CONWAY NATIONAL BANK | 71 | $8.7M | $122,746 | n/a | 0% | n/a |
| 23 | NEW AMERICAN FUNDING, LLC. | 69 | $11.5M | $167,029 | 6.97% | 7% | 0% |
| 24 | T2 FINANCIAL LLC | 67 | $13.4M | $200,672 | 6.68% | 18% | 0% |
| 25 | GUARANTEED RATE, INC. | 66 | $10.8M | $163,182 | 6.84% | 17% | 0% |
| 26 | Equity Prime Mortgage LLC | 64 | $12.6M | $196,250 | 6.64% | 4% | 0% |
| 27 | loanDepot.com LLC | 62 | $9.9M | $160,484 | 6.9% | 45% | 5% |
| 28 | ATLANTIC BAY MORTGAGE GROUP | 60 | $10.6M | $177,000 | 6.88% | 8% | 0% |
| 29 | New Story Lending LLC | 57 | $9.7M | $169,386 | 6.99% | 0% | 0% |
| 30 | TOWNE MORTGAGE COMPANY | 57 | $11.0M | $192,719 | 6.58% | 6% | 0% |
| 31 | FREEDOM MORTGAGE CORPORATION | 56 | $10.8M | $192,857 | 6.4% | 15% | 0% |
| 32 | Tammac Holdings Corporation | 54 | $6.3M | $116,296 | 10.08% | 77% | 100% |
| 33 | CALCON MUTUAL MORTGAGE LLC | 53 | $11.9M | $224,811 | 6.48% | 29% | 0% |
| 34 | First Community Bank | 53 | $11.3M | $213,491 | 6.59% | 6% | 0% |
| 35 | CMG MORTGAGE INC | 51 | $8.9M | $174,608 | 7.04% | 9% | 0% |
| 36 | Navy Federal Credit Union | 47 | $8.1M | $173,298 | 7.1% | 39% | 0% |
| 37 | Village Capital & Investment | 45 | $10.9M | $242,556 | 6.04% | 13% | 0% |
| 38 | NATIONS LENDING CORPORATION | 39 | $6.9M | $177,308 | 6.28% | 11% | 0% |
| 39 | AMERICAN FINANCIAL NETWORK, INC. | 39 | $7.3M | $186,282 | 7.03% | 14% | 0% |
| 40 | ALCOVA Mortgage, LLC | 38 | $7.0M | $184,737 | 6.95% | 9% | 0% |
| 41 | UNION HOME MORTGAGE CORP. | 37 | $6.7M | $182,297 | 6.76% | 8% | 0% |
| 42 | Ameris Bank | 37 | $8.1M | $219,324 | 6.62% | 17% | 0% |
| 43 | ENTERPRISE BANK OF SC | 35 | $4.9M | $140,429 | n/a | 15% | n/a |
| 44 | Resource Financial Services, Inc. | 33 | $6.2M | $188,030 | 6.68% | 2% | 0% |
| 45 | The Citizens Bank | 30 | $4.2M | $138,333 | n/a | 3% | n/a |
| 46 | SAFE Federal Credit Union | 30 | $3.2M | $105,333 | 7.26% | 33% | 0% |
| 47 | CSL Financial, LLC | 30 | $2.9M | $97,667 | 8.86% | 58% | 100% |
| 48 | AMERISAVE MORTGAGE COMPANY | 29 | $3.9M | $133,621 | 6.82% | 72% | 0% |
| 49 | Bank of the Lowcountry | 28 | $3.3M | $116,429 | n/a | 10% | n/a |
| 50 | Carrington Mortgage Services LLC | 28 | $4.3M | $153,571 | 6.77% | 29% | 0% |
| 51 | First Reliance Bank | 27 | $5.4M | $199,444 | 7.44% | 17% | 4% |
| 52 | Credit Human Federal Credit Un | 26 | $2.8M | $108,846 | 8.17% | 85% | 96% |
| 53 | FIRST FEDERAL BANK | 26 | $5.6M | $213,846 | 6.36% | 15% | 0% |
| 54 | PENNYMAC LOAN SERVICES LLC | 26 | $5.2M | $198,846 | 6.2% | 14% | 0% |
| 55 | ARK-LA-TEX FINANCIAL SERVICES LLC | 25 | $3.8M | $153,400 | 6.9% | 0% | 0% |
| 56 | CAROLINA ONE MORTGAGE, LLC | 24 | $6.2M | $258,333 | 6.36% | 3% | 0% |
| 57 | SOUTH CAROLINA FEDERAL CREDIT | 24 | $3.5M | $143,750 | 7.07% | 27% | 0% |
| 58 | MAGNOLIA BANK | 22 | $4.2M | $189,545 | 6.63% | 15% | 0% |
| 59 | Mutual of Omaha Mortgage | 22 | $4.1M | $185,909 | 6.6% | 26% | 0% |
| 60 | SC State Credit Union | 21 | $1.7M | $78,810 | 4.57% | 48% | 0% |
| 61 | Mortgage Solutions of Colorado | 21 | $4.4M | $210,238 | 7.51% | 0% | 14% |
| 62 | COASTAL CAROLINA NATIONAL BANK | 21 | $3.5M | $167,381 | 7.96% | 17% | 95% |
| 63 | TRUIST BANK | 20 | $2.7M | $135,000 | 6.34% | 26% | 0% |
| 64 | First Ciitizens Bank and Trust | 19 | $2.2M | $116,053 | 6.26% | 44% | 0% |
| 65 | GATEWAY FIRST BANK | 18 | $3.2M | $177,778 | 6.84% | 17% | 0% |
| 66 | Bank of York | 18 | $2.3M | $130,000 | n/a | 9% | n/a |
| 67 | PLAZA HOME MORTGAGE, INC | 17 | $2.9M | $172,059 | 7.15% | 18% | 0% |
| 68 | PLANET HOME LENDING, LLC | 17 | $3.7M | $216,176 | 6.5% | 17% | 0% |
| 69 | PRIMIS BANK | 17 | $4.2M | $246,765 | 6.47% | 9% | 0% |
| 70 | Click n' Close, Inc. | 16 | $2.6M | $161,875 | 8.02% | 0% | 0% |
| 71 | American Neighborhood Mortgage Acceptance Company | 15 | $2.5M | $169,000 | 6.63% | 0% | 0% |
| 72 | COUNTRYPLACE MORTGAGE, LTD. | 15 | $2.4M | $158,333 | 7.94% | 51% | 80% |
| 73 | Zippy Loans, LLC | 15 | $845,000 | $56,333 | 10.34% | 40% | 100% |
| 74 | FIRST NATIONAL BANK OF AMERICA | 15 | $3.0M | $197,667 | 10.52% | 23% | 0% |
| 75 | Nation One Mortgage Corporatio | 14 | $3.4M | $245,000 | 6.75% | 9% | 0% |
| 76 | KIAVI FUNDING, INC. | 14 | $2.1M | $152,857 | 10.13% | 33% | 0% |
| 77 | The Park National Bank | 14 | $2.0M | $145,000 | 6.89% | 14% | 0% |
| 78 | EVERETT FINANCIAL, INC. | 13 | $2.2M | $170,385 | 6.91% | 5% | 0% |
| 79 | Truliant Federal Credit Union | 13 | $935,000 | $71,923 | 7.57% | 72% | 0% |
| 80 | Integrity Home Mortgage Corporation | 12 | $2.5M | $205,833 | 6.45% | 5% | 0% |
| 81 | Primary Residential Mortgage, INC. | 12 | $2.4M | $202,500 | 6.82% | 6% | 0% |
| 82 | Premier Mortgage Resources, LLC | 12 | $1.8M | $151,667 | 7.35% | 0% | 0% |
| 83 | AGFIRST FARM CREDIT BANK | 11 | $2.4M | $222,273 | 6.55% | 8% | 0% |
| 84 | GENWAY HOME MORTGAGE, INC. | 11 | $245,000 | $22,273 | 9.34% | 30% | 0% |
| 85 | First Palmetto Bank | 11 | $2.1M | $188,636 | 6.5% | 30% | 0% |
| 86 | PNC BANK N.A. | 11 | $1.4M | $127,727 | 6.32% | 29% | 0% |
| 87 | Kind Lending, LLC | 10 | $1.7M | $170,000 | 7.18% | 40% | 0% |
| 88 | GENEVA FINANCIAL LLC | 10 | $2.3M | $230,000 | 6.68% | 0% | 0% |
| 89 | EMM Loans LLC | 10 | $2.3M | $228,000 | 6.33% | 18% | 0% |
| 90 | PHH Mortgage Corporation | 10 | $2.0M | $201,000 | 6.35% | 21% | 0% |
| 91 | DIRECT MORTGAGE LOANS, LLC | 10 | $2.8M | $279,000 | 6.5% | 0% | 0% |
| 92 | UNITED COMMUNITY BANK | 10 | $3.7M | $373,000 | 6.7% | 40% | 0% |
| 93 | A&D MORTGAGE LLC | 10 | $1.7M | $174,000 | 7.9% | 9% | 100% |
| 94 | ArborOne ACA | 9 | $2.0M | $218,333 | 7.9% | 0% | 0% |
| 95 | NATIONS DIRECT MORTGAGE, LLC | 9 | $1.6M | $172,778 | 6.77% | 9% | 0% |
| 96 | SENTE MORTGAGE, INC. | 9 | $2.2M | $245,000 | 6.64% | 5% | 0% |
| 97 | State Employees' Credit Union | 9 | $1.6M | $176,111 | 6.09% | 27% | 0% |
| 98 | SUN WEST MORTGAGE COMPANY, INC | 9 | $2.1M | $237,222 | 6.01% | 5% | 0% |
| 99 | HOWARD HANNA FINANCIAL SERVICES, INC | 8 | $1.8M | $223,750 | 6.67% | 0% | 0% |
| 100 | Reliance First Capital, LLC | 8 | $1.4M | $178,750 | 6.66% | 8% | 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.