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)
1,379
+5.8% vs 2024Originations
$273.0M
+23.1% vs 2024Average loan
$197,959
112 lendersAverage interest rate
7.53%
Denial rate
36%
Home only share
27%
Loans originated by year in UT
Top manufactured home lenders in UT
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 | TRIAD FINANCIAL SERVICES, INC. | 179 | $15.9M | $88,743 | 9.06% | 28% | 100% |
| 2 | 21ST MORTGAGE | 146 | $14.6M | $100,205 | 10.4% | 54% | 92% |
| 3 | MOUNTAIN AMERICA FEDERAL CREDIT UNION | 130 | $18.8M | $144,462 | 6.79% | 54% | 0% |
| 4 | United Wholesale Mortgage | 111 | $33.0M | $297,342 | 6.22% | 12% | 0% |
| 5 | GUILD MORTGAGE COMPANY | 94 | $23.4M | $249,043 | 6.43% | 3% | 0% |
| 6 | Intercap Lending Inc | 59 | $13.5M | $228,220 | 6.71% | 1% | 0% |
| 7 | AMERICA FIRST FEDERAL CREDIT UNION | 57 | $6.5M | $113,246 | 7.13% | 32% | 0% |
| 8 | ROCKET MORTGAGE | 49 | $13.3M | $272,347 | 6.3% | 36% | 0% |
| 9 | State Bank of Southern Utah | 48 | $7.2M | $149,792 | 7.34% | 14% | 0% |
| 10 | VANDERBILT MORTGAGE AND FINANCE, INC | 39 | $2.9M | $74,231 | 11.17% | 51% | 97% |
| 11 | SECURITYNATIONAL MORTGAGE COMPANY | 31 | $7.8M | $252,097 | 6.9% | 9% | 0% |
| 12 | Bank of Utah | 22 | $4.9M | $223,182 | 6.49% | 4% | 0% |
| 13 | Premier Mortgage Resources, LLC | 21 | $4.5M | $215,476 | 6.96% | 0% | 0% |
| 14 | ZIONS BANCORPORATION, N.A. | 18 | $2.9M | $160,556 | 7.13% | 33% | 0% |
| 15 | NEWREZ LLC | 18 | $5.1M | $285,556 | 6.21% | 10% | 0% |
| 16 | Kind Lending, LLC | 17 | $5.0M | $293,824 | 6.61% | 36% | 0% |
| 17 | Plains Commerce Bank | 14 | $3.4M | $242,143 | 6.84% | 25% | 0% |
| 18 | NEW AMERICAN FUNDING, LLC. | 14 | $2.8M | $200,714 | 6.53% | 3% | 0% |
| 19 | FREEDOM MORTGAGE CORPORATION | 13 | $3.4M | $263,462 | 6.08% | 23% | 0% |
| 20 | Credit Human Federal Credit Un | 13 | $1.2M | $89,615 | 8.4% | 52% | 100% |
| 21 | Mortgage Research Center | 13 | $4.4M | $336,538 | 6.65% | 8% | 0% |
| 22 | Utah Power Credit Union | 12 | $1.3M | $107,500 | 6.45% | 0% | 0% |
| 23 | Primary Residential Mortgage, INC. | 12 | $4.2M | $349,167 | 6.62% | 12% | 0% |
| 24 | SUN AMERICAN MORTGAGE COMPANY | 11 | $2.1M | $186,818 | 6.58% | 12% | 0% |
| 25 | CANOPY MORTGAGE, LLC | 10 | $2.5M | $251,000 | 6.58% | 0% | 0% |
| 26 | FAIRWAY INDEPENDENT MORT CORP | 10 | $2.8M | $279,000 | 6.65% | 17% | 0% |
| 27 | loanDepot.com LLC | 9 | $2.0M | $226,111 | 6.65% | 52% | 0% |
| 28 | PLAZA HOME MORTGAGE, INC | 9 | $1.6M | $172,778 | 7.17% | 25% | 0% |
| 29 | American Financial Resources LLC | 8 | $2.5M | $317,500 | 6.36% | 0% | 0% |
| 30 | FIRST COLONY MORTGAGE CORPORAT | 8 | $1.9M | $231,250 | 6.67% | 0% | 0% |
| 31 | GOLDENWEST FEDERAL CREDIT UNION | 8 | $980,000 | $122,500 | 7.03% | 0% | 0% |
| 32 | PENNYMAC LOAN SERVICES LLC | 7 | $2.3M | $323,571 | 6.32% | 18% | 0% |
| 33 | American Pacific Mortgage Corporation | 7 | $2.0M | $289,286 | 6.71% | 10% | 0% |
| 34 | Utah Mortgage Loan Corporation | 7 | $2.7M | $387,857 | 6.55% | 0% | 0% |
| 35 | PHH Mortgage Corporation | 6 | $1.8M | $291,667 | 6.29% | 25% | 0% |
| 36 | CROSSCOUNTRY MORTGAGE, LLC | 6 | $2.1M | $358,333 | 6.69% | 8% | 0% |
| 37 | Equity Prime Mortgage LLC | 5 | $1.3M | $267,000 | 6.63% | 0% | 0% |
| 38 | LONGBRIDGE FINANCIAL, LLC | 5 | $1.1M | $217,000 | 5.88% | 0% | 0% |
| 39 | ARK-LA-TEX FINANCIAL SERVICES LLC | 4 | $1.2M | $307,500 | 6.59% | 0% | 0% |
| 40 | PARAMOUNT RESIDENTIAL MORTGAGE | 4 | $460,000 | $115,000 | 7.19% | 13% | 0% |
| 41 | Belem Servicing, LLC dba Patriot Home Mortgage | 4 | $770,000 | $192,500 | 7.22% | 9% | n/a |
| 42 | AMERISAVE MORTGAGE COMPANY | 4 | $640,000 | $160,000 | 6.78% | 67% | 0% |
| 43 | GENWAY HOME MORTGAGE, INC. | 4 | $30,000 | $7,500 | 8.88% | 0% | 0% |
| 44 | MY MOVE MORTGAGE, LLC | 4 | $870,000 | $217,500 | 6.5% | 0% | 0% |
| 45 | AMERICAN FINANCING CORPORATION | 4 | $780,000 | $195,000 | 6.31% | 33% | 0% |
| 46 | CMG MORTGAGE INC | 3 | $635,000 | $211,667 | 7.33% | 25% | 0% |
| 47 | RANLife, Inc. | 3 | $1.1M | $371,667 | 7.12% | 11% | 0% |
| 48 | GUARANTEED RATE, INC. | 3 | $665,000 | $221,667 | 6.88% | 50% | 0% |
| 49 | City 1st Mortgage Services, LC | 3 | $715,000 | $238,333 | 7.5% | 0% | 0% |
| 50 | RESIDENTIAL WHOLESALE MORTGAGE | 3 | $765,000 | $255,000 | 6.29% | 0% | 100% |
| 51 | FIRST NATIONAL BANK OF AMERICA | 3 | $285,000 | $95,000 | 8.79% | 29% | 0% |
| 52 | PRIMELENDING | 3 | $575,000 | $191,667 | 7.08% | 0% | 0% |
| 53 | Mutual of Omaha Mortgage | 3 | $415,000 | $138,333 | 6% | 29% | 0% |
| 54 | JMAC Lending, Inc. | 3 | $755,000 | $251,667 | 6.5% | 0% | 0% |
| 55 | GOODLEAP, LLC | 3 | $675,000 | $225,000 | 5.75% | 29% | 0% |
| 56 | PLANET HOME LENDING, LLC | 3 | $1.0M | $338,333 | 7.46% | 0% | 0% |
| 57 | Resicentral LLC | 3 | $905,000 | $301,667 | 6.33% | 25% | 0% |
| 58 | Northpointe Bank | 3 | $645,000 | $215,000 | 7.04% | 0% | 0% |
| 59 | AMERICAN FINANCIAL NETWORK, INC. | 2 | $630,000 | $315,000 | 6% | 20% | 0% |
| 60 | NATIONS LENDING CORPORATION | 2 | $390,000 | $195,000 | 6.12% | 0% | 0% |
| 61 | Luminate Bank | 2 | $310,000 | $155,000 | 6.56% | 0% | 0% |
| 62 | FINANCE OF AMERICA REVERSE LLC | 2 | $310,000 | $155,000 | 5.94% | 50% | 0% |
| 63 | SUN WEST MORTGAGE COMPANY, INC | 2 | $570,000 | $285,000 | 6.13% | 25% | 0% |
| 64 | Alliant Credit Union | 2 | $190,000 | $95,000 | 9.88% | 0% | 0% |
| 65 | Veritas Funding, LLC | 2 | $670,000 | $335,000 | 6.31% | 0% | 0% |
| 66 | Village Capital & Investment | 2 | $880,000 | $440,000 | 6.81% | 13% | 0% |
| 67 | Gardner Financial Services | 2 | $300,000 | $150,000 | 6.63% | 0% | 0% |
| 68 | Cornerstone First Mortgage, LLC | 2 | $170,000 | $85,000 | 7% | 0% | 0% |
| 69 | Lakeview Loan Servicing, LLC | 2 | $530,000 | $265,000 | 6.25% | 0% | 0% |
| 70 | Mortgage Solutions of Colorado | 2 | $630,000 | $315,000 | 7.5% | 0% | 50% |
| 71 | US BANK, N.A. | 1 | $375,000 | $375,000 | 6.75% | 78% | 0% |
| 72 | PNC BANK N.A. | 1 | $65,000 | $65,000 | 5.99% | 0% | 0% |
| 73 | Old Second National Bank | 1 | $75,000 | $75,000 | n/a | 0% | n/a |
| 74 | Barrington Bank & Trust Company, N.A. | 1 | $265,000 | $265,000 | 8.13% | 0% | 0% |
| 75 | KEYBANK NATIONAL ASSOCIATION | 1 | $25,000 | $25,000 | 10.79% | 67% | 0% |
| 76 | Security Home Mortgage | 1 | $215,000 | $215,000 | 6.13% | 0% | 0% |
| 77 | GTE FEDERAL CREDIT UNION | 1 | $205,000 | $205,000 | 8.25% | 0% | 0% |
| 78 | EVO HOME LOANS, LLC DBA EPIQ LENDING | 1 | $165,000 | $165,000 | 6.75% | 0% | 0% |
| 79 | SOFI BANK, NATIONAL ASSOCIATION | 1 | $155,000 | $155,000 | 6.88% | 0% | 0% |
| 80 | GATEWAY FIRST BANK | 1 | $255,000 | $255,000 | 6.75% | 0% | 0% |
| 81 | Utah Community Credit Union | 1 | $305,000 | $305,000 | 7.5% | 0% | 0% |
| 82 | THE FEDERAL SAVINGS BANK | 1 | $255,000 | $255,000 | 6.88% | 25% | 0% |
| 83 | Gold Star Mortgage Financial Group, Corporation | 1 | $155,000 | $155,000 | 6.75% | 20% | 100% |
| 84 | HIGHTECHLENDING, INC | 1 | $265,000 | $265,000 | 6.5% | 0% | 0% |
| 85 | CACHE VALLEY BANK | 1 | $275,000 | $275,000 | 7.88% | 0% | 0% |
| 86 | MortgageOne, Inc | 1 | $575,000 | $575,000 | 7.25% | 0% | 0% |
| 87 | SWBC Mortgage Corporation | 1 | $325,000 | $325,000 | 5.75% | 0% | 0% |
| 88 | GRAND VALLEY BANK | 1 | $255,000 | $255,000 | 8% | 33% | 0% |
| 89 | Glacier Bank | 1 | $105,000 | $105,000 | 8.65% | 63% | 0% |
| 90 | GEORGIA'S OWN CREDIT UNION | 1 | $55,000 | $55,000 | 8.75% | 0% | 0% |
| 91 | Five Star Bank | 1 | $12.4M | $12,395,000 | n/a | 0% | n/a |
| 92 | OCMBC, INC. | 1 | $255,000 | $255,000 | 6.63% | 0% | 0% |
| 93 | CASTLE & COOKE MORTGAGE, LLC | 1 | $345,000 | $345,000 | 7.63% | 50% | 0% |
| 94 | ALAMEDA MORTGAGE CORPORATION | 1 | $295,000 | $295,000 | 7% | 0% | 0% |
| 95 | Shoreham Bank | 1 | $25,000 | $25,000 | 9.95% | 0% | 0% |
| 96 | BMO Harris Bank NA | 1 | $65,000 | $65,000 | 7.74% | 67% | 0% |
| 97 | D. L. EVANS BANK | 1 | $255,000 | $255,000 | n/a | 50% | n/a |
| 98 | AmWest Funding Corp | 1 | $345,000 | $345,000 | 6.13% | 0% | 0% |
| 99 | V.I.P. MORTGAGE, INC. | 1 | $285,000 | $285,000 | 7.88% | 0% | 0% |
| 100 | Carrington Mortgage Services LLC | 1 | $275,000 | $275,000 | 6.13% | 29% | 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.