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.
536
-7.7% vs 2024$99.1M
+2.7% vs 2024$184,925
69 lenders7.89%
29%
45%
Loans originated by year in SD
Top manufactured home lenders in SD
Select a column heading to re-rank. Select a lender to analyze it. Originations are inferred as loans times average loan. Showing the 69 largest lenders.
| # | |||||||
|---|---|---|---|---|---|---|---|
| 1 | BANKWEST, INC. | 182 | $20.4M | $112,198 | 8.31% | 20% | 72% |
| 2 | 21ST MORTGAGE | 46 | $4.6M | $100,000 | 10.27% | 46% | 91% |
| 3 | TRIAD FINANCIAL SERVICES, INC. | 29 | $2.7M | $93,276 | 9.42% | 48% | 100% |
| 4 | Plains Commerce Bank | 25 | $6.3M | $253,800 | 6.76% | 12% | 4% |
| 5 | BLACK HILLS FEDERAL CREDIT UNION | 23 | $3.6M | $154,565 | 7.62% | 39% | 30% |
| 6 | Pioneer Bank & Trust | 18 | $5.4M | $298,333 | n/a | 5% | n/a |
| 7 | CMG MORTGAGE INC | 15 | $4.4M | $292,333 | 6.36% | 6% | 0% |
| 8 | ROCKET MORTGAGE | 13 | $2.8M | $214,231 | 6.44% | 35% | 0% |
| 9 | United Wholesale Mortgage | 13 | $3.6M | $278,077 | 6.34% | 0% | 0% |
| 10 | GATEWAY FIRST BANK | 10 | $1.7M | $168,000 | 6.9% | 14% | 0% |
| 11 | American Neighborhood Mortgage Acceptance Company | 8 | $2.1M | $266,250 | 6.59% | 0% | 0% |
| 12 | FARM CREDIT MID-AMERICA, ACA | 8 | $3.1M | $385,000 | 7.03% | 9% | 0% |
| 13 | FAIRWAY INDEPENDENT MORT CORP | 7 | $1.4M | $195,000 | 6.3% | 0% | 0% |
| 14 | First Interstate Bank | 7 | $575,000 | $82,143 | 7.95% | 52% | 0% |
| 15 | FIRST NATIONAL BANK | 7 | $1.2M | $170,714 | n/a | 25% | n/a |
| 16 | Dacotah Bank | 6 | $980,000 | $163,333 | 7.45% | 0% | 17% |
| 17 | Black Hills Community Bank, NA | 6 | $3.5M | $578,333 | n/a | 13% | n/a |
| 18 | Northern Hills FCU | 6 | $490,000 | $81,667 | n/a | 0% | n/a |
| 19 | NEWREZ LLC | 5 | $1.3M | $257,000 | 6.2% | 29% | 0% |
| 20 | First Dakota National Bak | 5 | $645,000 | $129,000 | 6.64% | 29% | 0% |
| 21 | Rivers Edge Bank | 5 | $345,000 | $69,000 | n/a | 0% | n/a |
| 22 | Granite Bank | 5 | $1.1M | $219,000 | 6.94% | 22% | 0% |
| 23 | Security First Bank | 4 | $2.0M | $492,500 | 7.35% | 0% | 50% |
| 24 | FIRST PREMIER BANK | 4 | $600,000 | $150,000 | 7.53% | 50% | 25% |
| 25 | Aspen Federal Credit Union | 4 | $970,000 | $242,500 | 7.24% | 0% | 0% |
| 26 | US BANK, N.A. | 4 | $1.2M | $297,500 | 6.53% | 50% | 0% |
| 27 | CROSSCOUNTRY MORTGAGE, LLC | 4 | $890,000 | $222,500 | 6.75% | 0% | 0% |
| 28 | Minnwest Bank | 4 | $500,000 | $125,000 | 6.97% | 0% | 0% |
| 29 | American Pacific Mortgage Corporation | 3 | $995,000 | $331,667 | 6.96% | 25% | 0% |
| 30 | American Financial Resources LLC | 3 | $985,000 | $328,333 | 6.54% | 0% | 0% |
| 31 | Mortgage Research Center | 3 | $725,000 | $241,667 | 6.58% | 11% | 0% |
| 32 | CORTRUST BANK | 3 | $75,000 | $25,000 | n/a | 0% | n/a |
| 33 | FRONTIER BANK | 3 | $4.7M | $1,558,333 | n/a | 0% | n/a |
| 34 | AMERICAN BANK & TRUST | 3 | $2.9M | $981,667 | 7.58% | 22% | 50% |
| 35 | AMERISAVE MORTGAGE COMPANY | 3 | $765,000 | $255,000 | 6.75% | 58% | 0% |
| 36 | SENTINEL FEDERAL CREDIT UNION | 2 | $190,000 | $95,000 | n/a | 0% | n/a |
| 37 | TOWNE MORTGAGE COMPANY | 2 | $650,000 | $325,000 | 6.63% | 0% | 0% |
| 38 | Bell Bank | 2 | $300,000 | $150,000 | 6.44% | 0% | 0% |
| 39 | PLANET HOME LENDING, LLC | 2 | $160,000 | $80,000 | 8.94% | 33% | 0% |
| 40 | Carrington Mortgage Services LLC | 2 | $380,000 | $190,000 | 8% | 50% | 0% |
| 41 | PENNYMAC LOAN SERVICES LLC | 2 | $1.0M | $515,000 | 6.81% | 17% | 0% |
| 42 | Equity Prime Mortgage LLC | 2 | $580,000 | $290,000 | 6.06% | 0% | 0% |
| 43 | GUARANTEED RATE, INC. | 2 | $480,000 | $240,000 | 5.94% | 25% | 0% |
| 44 | WEST GATE BANK | 1 | $155,000 | $155,000 | 6.38% | 0% | 0% |
| 45 | HIGHMARK FEDERAL CREDIT UNION | 1 | $205,000 | $205,000 | n/a | 0% | n/a |
| 46 | LOWER, LLC | 1 | $295,000 | $295,000 | 6.75% | 0% | 0% |
| 47 | Colorado Federal Savings Bank | 1 | $345,000 | $345,000 | 6% | 50% | 0% |
| 48 | FINANCE OF AMERICA REVERSE LLC | 1 | $315,000 | $315,000 | 5% | 0% | 0% |
| 49 | The First National Bank in Sioux Falls | 1 | $195,000 | $195,000 | n/a | 0% | n/a |
| 50 | Navy Federal Credit Union | 1 | $545,000 | $545,000 | 5.88% | 75% | 0% |
| 51 | Dakota Community Bank & Trust, NA | 1 | $115,000 | $115,000 | 6.99% | 0% | 0% |
| 52 | First International Bank & Trust | 1 | $185,000 | $185,000 | 6.5% | 50% | 0% |
| 53 | HomeBridge Financial Services, Inc | 1 | $335,000 | $335,000 | 5.99% | 0% | 0% |
| 54 | PRIMELENDING | 1 | $205,000 | $205,000 | 7.75% | 0% | 0% |
| 55 | BMO Harris Bank NA | 1 | $65,000 | $65,000 | 8.13% | 33% | 0% |
| 56 | PEOPLES BANK | 1 | $245,000 | $245,000 | n/a | 0% | n/a |
| 57 | Sunflower Bank, N.A. | 1 | $205,000 | $205,000 | 5.99% | 0% | 0% |
| 58 | FIRST NATIONAL BANK OF OMAHA | 1 | $275,000 | $275,000 | 6.88% | 40% | 0% |
| 59 | Siouxland Federal Credit Union | 1 | $205,000 | $205,000 | 5.75% | 0% | 0% |
| 60 | IOWA BANKERS MORTGAGE CORPORATION | 1 | $225,000 | $225,000 | 6.63% | 67% | 0% |
| 61 | AMERICAN STATE BANK | 1 | $285,000 | $285,000 | n/a | 0% | n/a |
| 62 | PHH Mortgage Corporation | 1 | $355,000 | $355,000 | 5.99% | 50% | 0% |
| 63 | FREEDOM MORTGAGE CORPORATION | 1 | $245,000 | $245,000 | 6.63% | 0% | 0% |
| 64 | AMERICAN FINANCING CORPORATION | 1 | $95,000 | $95,000 | 6.49% | 0% | 0% |
| 65 | loanDepot.com LLC | 1 | $75,000 | $75,000 | 6.99% | 75% | 100% |
| 66 | Kind Lending, LLC | 1 | $275,000 | $275,000 | 7.13% | 0% | 0% |
| 67 | Mutual of Omaha Mortgage | 1 | $355,000 | $355,000 | 5.88% | 0% | 0% |
| 68 | Credit Human Federal Credit Un | 1 | $55,000 | $55,000 | 8.4% | 75% | 100% |
| 69 | CENTRAL BANK | 1 | $95,000 | $95,000 | 6% | 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.