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)
19,789
+5.3% vs 2024Originations
$3.23B
+11.7% vs 2024Average loan
$163,442
425 lendersAverage interest rate
8.87%
Denial rate
45%
Home only share
57%
Loans originated by year in TX
Top manufactured home lenders in TX
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 | 6,740 | $847.8M | $125,785 | 10.11% | 46% | 79% |
| 2 | TRIAD FINANCIAL SERVICES, INC. | 2,320 | $294.7M | $127,043 | 9.56% | 50% | 95% |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC | 2,028 | $238.5M | $117,618 | 10.3% | 45% | 89% |
| 4 | SOUTHWEST STAGE FUNDING LLC | 741 | $132.9M | $179,386 | 8.33% | 11% | 72% |
| 5 | United Wholesale Mortgage | 696 | $159.1M | $228,606 | 6.37% | 17% | 0% |
| 6 | ROCKET MORTGAGE | 447 | $84.1M | $188,154 | 6.73% | 44% | 0% |
| 7 | GUILD MORTGAGE COMPANY | 303 | $54.9M | $181,304 | 6.71% | 7% | 0% |
| 8 | Credit Human Federal Credit Un | 246 | $27.7M | $112,439 | 8.25% | 80% | 95% |
| 9 | CARDINAL FINANCIAL COMPANY, LI | 232 | $59.8M | $257,931 | 6.41% | 8% | 0% |
| 10 | CMG MORTGAGE INC | 214 | $33.0M | $154,393 | 6.7% | 6% | 0% |
| 11 | Mortgage Research Center | 187 | $42.8M | $228,797 | 6.64% | 16% | 0% |
| 12 | Zippy Loans, LLC | 174 | $10.0M | $57,299 | 10.07% | 33% | 100% |
| 13 | FAIRWAY INDEPENDENT MORT CORP | 167 | $35.0M | $209,611 | 6.7% | 11% | 0% |
| 14 | CROSSCOUNTRY MORTGAGE, LLC | 158 | $35.6M | $225,190 | 6.7% | 4% | 0% |
| 15 | COUNTRYPLACE MORTGAGE, LTD. | 158 | $27.1M | $171,835 | 7.74% | 50% | 75% |
| 16 | NEW AMERICAN FUNDING, LLC. | 156 | $29.7M | $190,128 | 6.94% | 13% | 0% |
| 17 | FIRSTBANK | 152 | $29.9M | $196,908 | 9.41% | 71% | 100% |
| 18 | Tammac Holdings Corporation | 149 | $15.6M | $105,000 | 9.98% | 75% | 100% |
| 19 | NEWREZ LLC | 139 | $32.5M | $233,921 | 6.51% | 18% | 0% |
| 20 | RIGHT START MORTGAGE, INC | 121 | $27.0M | $223,017 | 6.5% | 13% | 0% |
| 21 | American Financial Resources LLC | 118 | $26.9M | $228,305 | 6.51% | 9% | 0% |
| 22 | CSL Financial, LLC | 116 | $12.8M | $110,431 | 8.49% | 60% | 100% |
| 23 | GENWAY HOME MORTGAGE, INC. | 100 | $5.2M | $52,400 | 8.19% | 19% | 0% |
| 24 | Equity Prime Mortgage LLC | 88 | $19.7M | $223,636 | 6.57% | 7% | 0% |
| 25 | Randolph-Brooks Federal Credit Union | 83 | $8.6M | $103,072 | 6.71% | 17% | 0% |
| 26 | FREEDOM MORTGAGE CORPORATION | 79 | $17.4M | $220,696 | 6.51% | 15% | 0% |
| 27 | UNION HOME MORTGAGE CORP. | 78 | $13.7M | $175,256 | 7.03% | 11% | 0% |
| 28 | EVERETT FINANCIAL, INC. | 71 | $16.6M | $233,451 | 6.78% | 6% | 0% |
| 29 | PRIMELENDING | 71 | $13.6M | $191,056 | 6.77% | 12% | 0% |
| 30 | Directions Equity, LLC | 68 | $18.3M | $268,824 | 6.5% | 2% | 0% |
| 31 | Navy Federal Credit Union | 63 | $12.7M | $201,190 | 6.64% | 34% | 0% |
| 32 | Kind Lending, LLC | 62 | $12.2M | $196,613 | 6.94% | 34% | 0% |
| 33 | Highlands Residential Mortgage, Ltd. | 61 | $12.7M | $208,607 | 6.74% | 6% | 0% |
| 34 | American Pacific Mortgage Corporation | 60 | $13.0M | $217,333 | 6.86% | 18% | 0% |
| 35 | FIRST FINANCIAL BANK | 59 | $8.3M | $140,085 | 7.51% | 31% | 0% |
| 36 | GUARANTEED RATE, INC. | 56 | $11.2M | $200,714 | 6.55% | 10% | 0% |
| 37 | First Choice MH LLC | 54 | $4.8M | $89,815 | 10.35% | 10% | 100% |
| 38 | MOVEMENT MORTGAGE, LLC | 54 | $10.7M | $197,222 | 7.03% | 0% | 0% |
| 39 | Village Capital & Investment | 52 | $13.6M | $261,154 | 6.16% | 3% | 0% |
| 40 | American Portfolio Mortgage Corporation | 50 | $12.3M | $246,600 | 6.79% | 15% | 0% |
| 41 | GATEWAY FIRST BANK | 48 | $7.4M | $153,750 | 6.52% | 3% | 0% |
| 42 | PARAMOUNT RESIDENTIAL MORTGAGE | 47 | $11.0M | $234,787 | 6.84% | 8% | 0% |
| 43 | PENNYMAC LOAN SERVICES LLC | 47 | $10.3M | $218,830 | 6.35% | 17% | 0% |
| 44 | PLANET HOME LENDING, LLC | 43 | $9.3M | $215,233 | 6.73% | 17% | 0% |
| 45 | Eustis Mortgage Corp | 42 | $9.3M | $221,429 | 6.62% | 7% | 0% |
| 46 | 1st Signature Lending, LLC | 42 | $11.4M | $270,952 | 6.11% | 5% | 0% |
| 47 | Mortgage Solutions of Colorado | 38 | $8.7M | $228,158 | 7.19% | 10% | 11% |
| 48 | PLAZA HOME MORTGAGE, INC | 38 | $7.3M | $192,895 | 7.07% | 39% | 0% |
| 49 | TexasBank | 34 | $6.8M | $200,588 | 7.93% | 2% | 0% |
| 50 | Synergy One Lending, Inc. | 34 | $6.6M | $193,235 | 6.76% | 16% | 0% |
| 51 | SUN WEST MORTGAGE COMPANY, INC | 33 | $7.2M | $216,818 | 6.56% | 15% | 0% |
| 52 | Security State Bank & Trust | 32 | $3.0M | $93,750 | 9.88% | 2% | 58% |
| 53 | Performance Equity Partners, Inc. | 31 | $1.4M | $46,290 | 13.03% | 60% | 100% |
| 54 | FIRST UNITED BANK AND TRUST CO | 30 | $6.1M | $204,000 | 7.9% | 18% | 0% |
| 55 | LAND HOME FINANCIAL SERVICES, | 30 | $4.1M | $137,667 | 8.73% | 3% | 97% |
| 56 | Click n' Close, Inc. | 29 | $5.7M | $196,379 | 7.77% | 14% | 0% |
| 57 | Cadence Bank | 29 | $6.5M | $223,621 | 7.02% | 24% | 4% |
| 58 | SUMMIT FUNDING.INC | 29 | $4.6M | $158,103 | 6.79% | 9% | 0% |
| 59 | PILGRIM MORTGAGE LLC | 29 | $7.1M | $243,966 | 6.65% | 0% | 0% |
| 60 | FLAT BRANCH MORTGAGE, INC. | 28 | $6.3M | $226,786 | 6.71% | 8% | 0% |
| 61 | Gardner Financial Services | 27 | $5.4M | $198,704 | 6.57% | 5% | 0% |
| 62 | A&D MORTGAGE LLC | 27 | $4.3M | $157,593 | 7.77% | 16% | 100% |
| 63 | COMMERCIAL BANK OF TEXAS, NA | 27 | $4.4M | $164,259 | 7.44% | 3% | 4% |
| 64 | CANOPY MORTGAGE, LLC | 26 | $4.9M | $188,077 | 6.8% | 6% | 0% |
| 65 | First National Bank of Huntsville | 25 | $1.7M | $69,800 | n/a | 0% | n/a |
| 66 | SECURITYNATIONAL MORTGAGE COMPANY | 24 | $5.2M | $216,667 | 6.7% | 13% | 0% |
| 67 | Southwest Funding LP | 24 | $5.6M | $232,500 | 6.72% | 13% | 0% |
| 68 | Citizens State Bank | 23 | $6.0M | $259,783 | n/a | 9% | n/a |
| 69 | FIRST NATIONAL BANK OF AMERICA | 23 | $4.4M | $191,522 | 10.16% | 11% | 0% |
| 70 | AMERISAVE MORTGAGE COMPANY | 23 | $3.1M | $134,565 | 7.86% | 76% | 0% |
| 71 | NFM, INC | 22 | $5.1M | $230,000 | 6.78% | 6% | 0% |
| 72 | LOWER, LLC | 22 | $4.6M | $208,182 | 7.12% | 16% | 0% |
| 73 | CLEAR FORK BANK N.A. | 22 | $3.2M | $146,364 | n/a | 17% | n/a |
| 74 | loanDepot.com LLC | 22 | $3.9M | $178,636 | 6.84% | 36% | 0% |
| 75 | ARK-LA-TEX FINANCIAL SERVICES LLC | 22 | $4.6M | $207,273 | 6.69% | 3% | 0% |
| 76 | Acre Mortgage & Financial, Inc. | 21 | $6.5M | $307,857 | 6.64% | 3% | 0% |
| 77 | NATIONS LENDING CORPORATION | 21 | $4.4M | $211,190 | 7.21% | 13% | 0% |
| 78 | Amarillo National Bank | 21 | $3.2M | $154,048 | 6.96% | 16% | 5% |
| 79 | SFMC, LP | 21 | $5.3M | $253,095 | 6.67% | 11% | 100% |
| 80 | SWBC Mortgage Corporation | 21 | $5.1M | $242,143 | 6.5% | 10% | 0% |
| 81 | PNC BANK N.A. | 21 | $3.1M | $148,333 | 6.63% | 52% | 0% |
| 82 | THE MORTGAGE LINK, INC. | 20 | $4.8M | $238,500 | 6.74% | 0% | 0% |
| 83 | CALCON MUTUAL MORTGAGE LLC | 20 | $5.4M | $269,000 | 6.21% | 33% | 0% |
| 84 | AMERICAN FINANCIAL NETWORK, INC. | 19 | $3.7M | $193,421 | 6.86% | 19% | 0% |
| 85 | TOWNE MORTGAGE COMPANY | 19 | $3.6M | $191,842 | 6.72% | 4% | 0% |
| 86 | DAS ACQUISITION COMPANY, LLC | 19 | $3.9M | $202,895 | 6.58% | 18% | 0% |
| 87 | Shelby | 19 | $2.0M | $106,579 | n/a | 10% | n/a |
| 88 | THE FIRST NATIONAL BANK OF GRA | 18 | $1.3M | $70,556 | n/a | 5% | n/a |
| 89 | T2 FINANCIAL LLC | 18 | $3.1M | $173,333 | 6.78% | 8% | 0% |
| 90 | PHH Mortgage Corporation | 18 | $3.9M | $213,889 | 6.45% | 6% | 0% |
| 91 | American Mortgage Bank | 17 | $2.7M | $160,294 | 6.76% | 9% | 0% |
| 92 | GENEVA FINANCIAL LLC | 17 | $4.1M | $242,059 | 6.89% | 0% | 0% |
| 93 | THE FIRST NATIONAL BANK OF BAS | 16 | $4.4M | $275,625 | n/a | 31% | n/a |
| 94 | EASTMAN CREDIT UNION | 16 | $2.0M | $126,875 | 7.97% | 38% | 0% |
| 95 | First National Bank Texas | 16 | $3.5M | $221,250 | 6.4% | 4% | 0% |
| 96 | THE CITY NATIONAL BANK OF SULPHUR SPRINGS | 16 | $1.9M | $118,750 | 8.46% | 15% | 0% |
| 97 | Round Top State Bank | 16 | $2.9M | $180,625 | n/a | 6% | n/a |
| 98 | V.I.P. MORTGAGE, INC. | 16 | $4.3M | $268,750 | 6.37% | 8% | 0% |
| 99 | Carrington Mortgage Services LLC | 16 | $3.5M | $216,250 | 6.6% | 24% | 0% |
| 100 | CORNERSTONE CAPITAL BANK, SSB | 15 | $2.7M | $181,000 | 6.76% | 9% | 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.