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)
8,787
+14.0% vs 2024Originations
$1.69B
+33.1% vs 2024Average loan
$192,537
371 lendersAverage interest rate
7.5%
Denial rate
32%
Home only share
17%
Loans originated by year in TN
Top manufactured home lenders in TN
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 | VANDERBILT MORTGAGE AND FINANCE, INC | 1,045 | $155.3M | $148,579 | 9.71% | 38% | 56% |
| 2 | 21ST MORTGAGE | 648 | $84.8M | $130,787 | 9.82% | 48% | 61% |
| 3 | United Wholesale Mortgage | 539 | $123.7M | $229,453 | 6.19% | 10% | 0% |
| 4 | ROCKET MORTGAGE | 431 | $77.8M | $180,615 | 6.5% | 32% | 0% |
| 5 | FIRSTBANK | 264 | $34.3M | $129,848 | 8.07% | 50% | 32% |
| 6 | Mortgage Research Center | 198 | $49.1M | $247,828 | 6.53% | 19% | 0% |
| 7 | American Financial Resources LLC | 190 | $42.7M | $224,684 | 6.39% | 6% | 0% |
| 8 | CARDINAL FINANCIAL COMPANY, LI | 179 | $34.0M | $189,804 | 6.58% | 11% | 0% |
| 9 | CMG MORTGAGE INC | 173 | $33.8M | $195,520 | 6.55% | 5% | 0% |
| 10 | EASTMAN CREDIT UNION | 165 | $19.5M | $118,394 | 7.85% | 32% | 0% |
| 11 | MORTGAGE INVESTORS GROUP | 163 | $37.7M | $231,442 | 6.75% | 11% | 0% |
| 12 | CROSSCOUNTRY MORTGAGE, LLC | 144 | $30.1M | $209,167 | 6.54% | 6% | 0% |
| 13 | FIRST COMMUNITY MORTGAGE, INC. | 141 | $30.0M | $212,943 | 6.58% | 13% | 0% |
| 14 | SOUTHWEST STAGE FUNDING LLC | 134 | $26.9M | $200,896 | 7.6% | 8% | 48% |
| 15 | UNION HOME MORTGAGE CORP. | 130 | $26.6M | $204,769 | 6.59% | 5% | 0% |
| 16 | TRIAD FINANCIAL SERVICES, INC. | 119 | $12.9M | $108,109 | 8.56% | 56% | 96% |
| 17 | STOCKTON MORTGAGE CORPORATION | 112 | $26.1M | $232,946 | 6.91% | 4% | 0% |
| 18 | MOVEMENT MORTGAGE, LLC | 111 | $20.4M | $184,189 | 7.03% | 3% | 0% |
| 19 | 1st Signature Lending, LLC | 110 | $29.8M | $270,455 | 5.96% | 4% | 0% |
| 20 | NEW AMERICAN FUNDING, LLC. | 109 | $19.3M | $177,385 | 7.12% | 11% | 0% |
| 21 | NEWREZ LLC | 105 | $24.1M | $229,571 | 6.23% | 16% | 0% |
| 22 | American Pacific Mortgage Corporation | 102 | $23.3M | $227,941 | 6.82% | 8% | 0% |
| 23 | CARROLL BANK AND TRUST | 101 | $9.2M | $91,139 | n/a | 5% | n/a |
| 24 | FAIRWAY INDEPENDENT MORT CORP | 95 | $15.8M | $166,263 | 6.56% | 10% | 0% |
| 25 | Equity Prime Mortgage LLC | 89 | $19.4M | $218,034 | 6.44% | 7% | 0% |
| 26 | CITIZENS TRI COUNTY BANK | 86 | $8.5M | $98,721 | 9.3% | 16% | 6% |
| 27 | FREEDOM MORTGAGE CORPORATION | 76 | $15.7M | $206,184 | 6.32% | 16% | 0% |
| 28 | AMERISAVE MORTGAGE COMPANY | 59 | $10.0M | $169,576 | 6.28% | 59% | 0% |
| 29 | loanDepot.com LLC | 55 | $9.3M | $169,545 | 6.7% | 38% | 2% |
| 30 | GUARANTEED RATE, INC. | 55 | $12.2M | $221,364 | 6.46% | 11% | 0% |
| 31 | EVERETT FINANCIAL, INC. | 53 | $9.0M | $168,962 | 6.92% | 17% | 0% |
| 32 | PENNYMAC LOAN SERVICES LLC | 47 | $10.9M | $230,957 | 6.21% | 18% | 0% |
| 33 | One Bank of Tennessee | 46 | $3.8M | $83,261 | 9.17% | 8% | 0% |
| 34 | Mutual of Omaha Mortgage | 46 | $6.6M | $143,478 | 6.89% | 23% | 0% |
| 35 | Village Capital & Investment | 44 | $10.8M | $245,682 | 5.99% | 24% | 0% |
| 36 | Carrington Mortgage Services LLC | 44 | $5.8M | $130,909 | 7.24% | 21% | 0% |
| 37 | LEADERS CREDIT UNION | 41 | $4.5M | $110,610 | 6.89% | 31% | 0% |
| 38 | Navy Federal Credit Union | 41 | $7.9M | $193,780 | 6.65% | 31% | 0% |
| 39 | NATIONS LENDING CORPORATION | 41 | $8.6M | $209,146 | 6.32% | 15% | 0% |
| 40 | ORNL FEDERAL CREDIT UNION | 41 | $5.8M | $140,366 | 7.58% | 29% | 0% |
| 41 | Centennial Bank | 39 | $8.0M | $203,974 | n/a | 7% | n/a |
| 42 | GUILD MORTGAGE COMPANY | 37 | $7.1M | $192,568 | 6.73% | 6% | 0% |
| 43 | FIRST NATIONAL BANK OF ONEIDA | 37 | $3.8M | $102,027 | n/a | 17% | n/a |
| 44 | VanDyk Mortgage Corporation | 36 | $6.8M | $190,278 | 6.67% | 4% | 0% |
| 45 | US BANK, N.A. | 34 | $4.1M | $120,588 | 7.43% | 62% | 0% |
| 46 | GVC MORTGAGE, INC. | 33 | $6.9M | $209,545 | 6.68% | 5% | 0% |
| 47 | FIRST NATIONAL BANK OF MIDDLE TENNESSEE | 33 | $7.0M | $211,970 | 6.76% | 11% | 0% |
| 48 | PRIMIS BANK | 32 | $7.9M | $245,938 | 6.74% | 4% | 0% |
| 49 | Community Trust Bank, Inc. | 30 | $4.8M | $161,333 | 6.37% | 11% | 0% |
| 50 | FARM CREDIT MID-AMERICA, ACA | 30 | $9.3M | $311,667 | 7.64% | 8% | 0% |
| 51 | SUMMIT FUNDING.INC | 30 | $4.1M | $136,333 | 6.87% | 19% | 0% |
| 52 | ARK-LA-TEX FINANCIAL SERVICES LLC | 29 | $5.7M | $195,690 | 6.62% | 3% | 0% |
| 53 | CSL Financial, LLC | 29 | $3.8M | $130,517 | 8.51% | 53% | 100% |
| 54 | Y-12 Federal Credit Union | 28 | $2.7M | $95,357 | 7.13% | 53% | 0% |
| 55 | WELLWORTH BANK | 28 | $1.8M | $64,286 | 9.26% | 0% | 4% |
| 56 | THE BANK OF FAYETTE COUNTY | 27 | $3.6M | $132,778 | n/a | 3% | n/a |
| 57 | Kind Lending, LLC | 27 | $5.7M | $212,407 | 6.77% | 22% | 0% |
| 58 | Mortgage Solutions of Colorado | 27 | $6.7M | $246,481 | 7.19% | 3% | 15% |
| 59 | Credit Human Federal Credit Un | 26 | $3.4M | $131,538 | 8.24% | 81% | 92% |
| 60 | SUCCESS MORTGAGE PARTNERS, INC | 25 | $5.6M | $223,000 | 7.07% | 0% | 0% |
| 61 | The Farmers Bank | 25 | $6.2M | $247,000 | 8.42% | 9% | 0% |
| 62 | FIRST FEDERAL BANK | 25 | $3.2M | $129,000 | n/a | 16% | n/a |
| 63 | FIRST COMMERCE BANK | 25 | $4.0M | $161,400 | n/a | 0% | n/a |
| 64 | Citizens Bank | 24 | $2.3M | $93,750 | n/a | 7% | n/a |
| 65 | Altra Federal Credit Union | 24 | $6.7M | $280,833 | 7.38% | 0% | 0% |
| 66 | Apex Bank | 24 | $2.4M | $99,583 | n/a | 28% | n/a |
| 67 | Builtwell Bank | 23 | $2.5M | $110,217 | n/a | 38% | n/a |
| 68 | Click n' Close, Inc. | 23 | $4.0M | $174,130 | 7.36% | 11% | 0% |
| 69 | Knoxville TVA Employees Credit Union | 23 | $2.2M | $94,565 | 6.22% | 8% | 0% |
| 70 | Macon Bank and Trust Company | 23 | $5.4M | $233,696 | n/a | 15% | n/a |
| 71 | Eustis Mortgage Corp | 23 | $4.2M | $182,826 | 7.1% | 5% | 0% |
| 72 | Wilson Bank and Trust | 22 | $3.0M | $134,545 | 9.28% | 14% | 0% |
| 73 | LOWER, LLC | 22 | $4.9M | $223,182 | 6.74% | 12% | 0% |
| 74 | Bank of Tennessee | 21 | $3.2M | $151,667 | 6.89% | 14% | 0% |
| 75 | Peoples Bank of East Tennessee | 21 | $2.2M | $106,429 | n/a | 7% | n/a |
| 76 | Zippy Loans, LLC | 21 | $1.0M | $48,810 | 9.72% | 45% | 100% |
| 77 | FIRST FINANCIAL BANK NA | 21 | $1.6M | $76,905 | 6.26% | 35% | 0% |
| 78 | PLANET HOME LENDING, LLC | 21 | $4.8M | $227,857 | 6.4% | 19% | 0% |
| 79 | Reliance First Capital, LLC | 20 | $3.2M | $160,500 | 6.68% | 3% | 0% |
| 80 | HERITAGE SOUTH COMMUNITY CREDI | 19 | $2.9M | $152,895 | 7.82% | 10% | 0% |
| 81 | AMERICAN FINANCIAL NETWORK, INC. | 18 | $3.4M | $189,444 | 6.57% | 0% | 0% |
| 82 | HOMELAND COMMUNITY BANK | 18 | $1.7M | $92,222 | n/a | 22% | n/a |
| 83 | TRUIST BANK | 17 | $2.6M | $151,471 | 6.35% | 32% | 0% |
| 84 | Highlands Residential Mortgage, Ltd. | 17 | $3.8M | $222,059 | 6.79% | 0% | 0% |
| 85 | CB&S Bank | 16 | $640,000 | $40,000 | 9.26% | 29% | 0% |
| 86 | Top Flite Financial, Inc. | 16 | $2.5M | $158,750 | 6.53% | 4% | 0% |
| 87 | Ross Mortgage Corporation | 16 | $3.4M | $209,375 | 6.81% | 11% | 0% |
| 88 | Primary Residential Mortgage, INC. | 16 | $3.1M | $193,125 | 7.05% | 13% | 0% |
| 89 | Citizens Bank | 15 | $6.3M | $421,667 | n/a | 6% | n/a |
| 90 | Embrace Home Loans, Inc. | 15 | $2.1M | $138,333 | 6.89% | 0% | 0% |
| 91 | AMERICAN FINANCING CORPORATION | 14 | $2.2M | $154,286 | 6.55% | 30% | 0% |
| 92 | CORNERSTONE CAPITAL BANK, SSB | 14 | $3.1M | $221,429 | 6.66% | 0% | 0% |
| 93 | GATEWAY FIRST BANK | 14 | $2.4M | $170,000 | 6.75% | 12% | 0% |
| 94 | KIAVI FUNDING, INC. | 14 | $2.1M | $152,857 | 10.12% | 12% | 0% |
| 95 | UNITED COMMUNITY BANK | 14 | $3.6M | $257,857 | 6.95% | 40% | 0% |
| 96 | PHH Mortgage Corporation | 13 | $2.8M | $218,846 | 6.18% | 13% | 0% |
| 97 | BankTennessee | 13 | $975,000 | $75,000 | n/a | 7% | n/a |
| 98 | Security Bank and Trust Company | 13 | $925,000 | $71,154 | n/a | 10% | n/a |
| 99 | Sierra Pacific Mortgage Co. Inc | 13 | $2.8M | $213,462 | 6.57% | 42% | 0% |
| 100 | Milend, Inc | 13 | $2.9M | $225,769 | 6.32% | 27% | n/a |
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.