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)
3,891
+12.4% vs 2024Originations
$666.1M
+24.1% vs 2024Average loan
$171,196
253 lendersAverage interest rate
7.38%
Denial rate
33%
Home only share
14%
Loans originated by year in VA
Top manufactured home lenders in VA
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 | 460 | $64.2M | $139,565 | 9.88% | 41% | 57% |
| 2 | ROCKET MORTGAGE | 233 | $39.6M | $170,064 | 6.54% | 34% | 0% |
| 3 | United Wholesale Mortgage | 178 | $37.3M | $209,607 | 6.15% | 17% | 0% |
| 4 | 21ST MORTGAGE | 161 | $18.4M | $114,006 | 10.05% | 52% | 73% |
| 5 | ATLANTIC BAY MORTGAGE GROUP | 146 | $21.4M | $146,712 | 6.82% | 1% | 0% |
| 6 | American Financial Resources LLC | 141 | $32.7M | $231,950 | 6.14% | 6% | 0% |
| 7 | MOVEMENT MORTGAGE, LLC | 98 | $17.0M | $173,571 | 6.95% | 5% | 0% |
| 8 | TIDEWATER MORTGAGE SERVICES, INC | 90 | $24.5M | $271,889 | 6.46% | 11% | 0% |
| 9 | ALCOVA Mortgage, LLC | 88 | $16.5M | $187,955 | 6.9% | 6% | 0% |
| 10 | Atlantic Union Bank | 81 | $11.1M | $137,099 | 7.89% | 29% | 0% |
| 11 | Mortgage Research Center | 78 | $18.1M | $232,051 | 6.67% | 16% | 0% |
| 12 | EASTMAN CREDIT UNION | 62 | $8.2M | $131,452 | 8.07% | 38% | 0% |
| 13 | UNION HOME MORTGAGE CORP. | 58 | $14.2M | $244,310 | 6.17% | 8% | 0% |
| 14 | Benchmark Community Bank | 53 | $5.4M | $102,170 | 7.85% | 13% | 0% |
| 15 | CROSSCOUNTRY MORTGAGE, LLC | 53 | $11.0M | $208,208 | 6.61% | 6% | 0% |
| 16 | Truliant Federal Credit Union | 49 | $4.0M | $81,939 | 7.58% | 44% | 0% |
| 17 | NEWREZ LLC | 44 | $9.4M | $214,773 | 6.37% | 13% | 0% |
| 18 | SOUTHWEST STAGE FUNDING LLC | 44 | $9.5M | $216,591 | 7.29% | 4% | 36% |
| 19 | First Bank and Trust Company | 43 | $6.1M | $141,977 | 7.65% | 10% | 0% |
| 20 | DUPONT COMMUNITY CREDIT UNION | 43 | $3.6M | $84,767 | 7.29% | 11% | 0% |
| 21 | ATLANTIC COAST MORTGAGE, LLC | 42 | $8.3M | $198,571 | 6.28% | 11% | 0% |
| 22 | TRIAD FINANCIAL SERVICES, INC. | 40 | $3.8M | $94,750 | 8.98% | 57% | 95% |
| 23 | C&F MORTGAGE CORPORATION | 39 | $7.1M | $180,897 | 6.59% | 2% | 0% |
| 24 | Virginia Federal Credit Union | 37 | $4.4M | $118,784 | 6.66% | 36% | 8% |
| 25 | Acre Mortgage & Financial, Inc. | 34 | $12.0M | $354,118 | 6.65% | 2% | 0% |
| 26 | WATERSTONE MORTGAGE CORPORATION | 32 | $4.4M | $138,438 | 6.99% | 5% | 0% |
| 27 | The Bank of Marion | 31 | $3.0M | $95,968 | n/a | 11% | n/a |
| 28 | CARDINAL FINANCIAL COMPANY, LI | 31 | $4.5M | $145,000 | 7.14% | 11% | 0% |
| 29 | Freedom First Federal Credit Union | 29 | $4.3M | $147,414 | 6.99% | 7% | 0% |
| 30 | Navy Federal Credit Union | 29 | $5.5M | $188,103 | 6.99% | 42% | 0% |
| 31 | TOWNE MORTGAGE COMPANY | 28 | $4.7M | $167,857 | 6.66% | 6% | 0% |
| 32 | FREEDOM MORTGAGE CORPORATION | 26 | $5.0M | $193,077 | 6.23% | 22% | 0% |
| 33 | loanDepot.com LLC | 26 | $4.6M | $176,538 | 7.06% | 36% | 0% |
| 34 | NATIONS LENDING CORPORATION | 25 | $4.9M | $195,800 | 6.37% | 13% | 0% |
| 35 | AMERISAVE MORTGAGE COMPANY | 25 | $4.0M | $158,200 | 6.42% | 57% | 0% |
| 36 | TRUIST BANK | 24 | $3.3M | $138,333 | 6.24% | 42% | 0% |
| 37 | FAIRWAY INDEPENDENT MORT CORP | 24 | $5.0M | $206,667 | 6.55% | 11% | 0% |
| 38 | CMG MORTGAGE INC | 23 | $5.5M | $238,913 | 6.35% | 13% | 0% |
| 39 | Presidential Bank, FSB | 23 | $4.0M | $174,565 | 7.23% | 9% | 0% |
| 40 | PENNYMAC LOAN SERVICES LLC | 22 | $4.7M | $214,545 | 6.19% | 8% | 0% |
| 41 | First Heritage Mortgage, LLC | 22 | $3.8M | $174,091 | 6.73% | 13% | 0% |
| 42 | Carrington Mortgage Services LLC | 22 | $3.6M | $163,636 | 6.64% | 40% | 0% |
| 43 | PROSPERITY HOME MORTGAGE, LLC | 21 | $4.5M | $216,429 | 6.76% | 3% | 0% |
| 44 | CALCON MUTUAL MORTGAGE LLC | 20 | $4.9M | $245,000 | 6.4% | 11% | 0% |
| 45 | The Farmers Bank of Appomattox | 20 | $1.8M | $88,000 | n/a | 5% | n/a |
| 46 | Library of Congress Federal Credit Union | 19 | $3.8M | $200,789 | 4.42% | 0% | 100% |
| 47 | AMERICAN FINANCIAL NETWORK, INC. | 19 | $4.0M | $211,842 | 6.82% | 4% | 0% |
| 48 | GUILD MORTGAGE COMPANY | 19 | $3.2M | $170,789 | 6.37% | 17% | 0% |
| 49 | First Community Bank | 19 | $2.0M | $103,947 | 7.54% | 33% | 0% |
| 50 | NEW AMERICAN FUNDING, LLC. | 19 | $3.3M | $174,474 | 6.92% | 14% | 0% |
| 51 | 1st Signature Lending, LLC | 18 | $4.8M | $267,778 | 6.07% | 8% | 0% |
| 52 | Farmers and Merchants Bank of Craig County | 18 | $1.7M | $95,556 | 5.69% | 0% | 0% |
| 53 | Farm Credit of the Virginias, ACA | 18 | $3.2M | $175,556 | 8.7% | 26% | 0% |
| 54 | GUARANTEED RATE, INC. | 18 | $4.4M | $245,556 | 6.43% | 10% | 0% |
| 55 | Village Capital & Investment | 18 | $4.6M | $257,222 | 6.11% | 15% | 0% |
| 56 | Farmers and Miners Bank | 18 | $1.5M | $81,667 | n/a | 12% | n/a |
| 57 | Tammac Holdings Corporation | 18 | $1.9M | $108,333 | 9.46% | 72% | 100% |
| 58 | UVA COMMUNITY CREDIT UNION | 17 | $2.1M | $125,000 | n/a | 29% | n/a |
| 59 | Skyline National Bank | 17 | $4.7M | $275,588 | n/a | 5% | n/a |
| 60 | First National Bank | 17 | $2.4M | $140,294 | n/a | 23% | n/a |
| 61 | Park Lane Finance SolutionsLLC | 16 | $810,000 | $50,625 | 11.12% | 44% | 100% |
| 62 | NATIONAL BANK OF BLACKSBURG | 16 | $1.5M | $94,375 | n/a | 6% | n/a |
| 63 | Equity Prime Mortgage LLC | 15 | $3.0M | $199,667 | 6.58% | 10% | 7% |
| 64 | Integrity Home Mortgage Corporation | 15 | $2.7M | $183,000 | 6.97% | 19% | 0% |
| 65 | THE BANK OF CHARLOTTE COUNTY | 14 | $2.3M | $162,857 | 8.15% | 20% | n/a |
| 66 | PRIMIS BANK | 14 | $3.2M | $226,429 | 6.79% | 0% | 0% |
| 67 | POWELL VALLEY NATIONAL BANK | 14 | $1.1M | $81,429 | n/a | 5% | n/a |
| 68 | Mutual of Omaha Mortgage | 14 | $2.1M | $147,857 | 6.52% | 26% | 0% |
| 69 | Southern Trust Mortgage, LLC | 14 | $3.0M | $212,143 | 6.74% | 0% | 0% |
| 70 | SWBC Mortgage Corporation | 14 | $3.0M | $212,857 | 6.63% | 13% | 0% |
| 71 | PNC BANK N.A. | 13 | $1.3M | $103,462 | 6.24% | 39% | 0% |
| 72 | BANK OF BOTETOURT | 13 | $2.1M | $161,923 | n/a | 13% | n/a |
| 73 | THE FEDERAL SAVINGS BANK | 13 | $2.5M | $191,154 | 6.72% | 11% | 0% |
| 74 | FARMERS & MERCHANTS BANK | 11 | $2.5M | $227,727 | 7.24% | 0% | 0% |
| 75 | PLANET HOME LENDING, LLC | 11 | $2.1M | $192,273 | 6.45% | 8% | 0% |
| 76 | CITIZENS BANK & TRUST CO. | 11 | $2.2M | $198,636 | n/a | 20% | n/a |
| 77 | Nation One Mortgage Corporatio | 11 | $1.7M | $153,182 | 6.65% | 0% | 0% |
| 78 | Reliance First Capital, LLC | 10 | $1.3M | $129,000 | 7.05% | 0% | 0% |
| 79 | GENWAY HOME MORTGAGE, INC. | 10 | $260,000 | $26,000 | 8.93% | 28% | 0% |
| 80 | NFM, INC | 10 | $2.5M | $253,000 | 6.91% | 0% | 0% |
| 81 | American Pacific Mortgage Corporation | 9 | $1.8M | $196,111 | 7.11% | 29% | 0% |
| 82 | New Peoples Bank, Inc | 9 | $1.1M | $125,000 | 8% | 8% | 0% |
| 83 | Bronco Federal Credit Union | 9 | $1.1M | $125,000 | 6.62% | 0% | 0% |
| 84 | VALLEYSTAR CREDIT UNION | 9 | $535,000 | $59,444 | 7.36% | 59% | 0% |
| 85 | LOWER, LLC | 8 | $1.5M | $192,500 | 6.67% | 18% | 0% |
| 86 | FIRST SENTINEL BANK | 8 | $710,000 | $88,750 | n/a | 0% | n/a |
| 87 | EMM Loans LLC | 8 | $1.3M | $161,250 | 6.67% | 0% | 0% |
| 88 | PHH Mortgage Corporation | 8 | $2.2M | $272,500 | 6.44% | 22% | 0% |
| 89 | KIAVI FUNDING, INC. | 8 | $1.1M | $138,750 | 10.09% | 18% | 0% |
| 90 | Calvin B. Taylor Banking Company | 7 | $1.7M | $236,429 | 7.52% | 7% | 0% |
| 91 | Blue Eagle Credit Union | 7 | $595,000 | $85,000 | 7.21% | 36% | 0% |
| 92 | Legacy Bank | 7 | $615,000 | $87,857 | n/a | 0% | n/a |
| 93 | American Neighborhood Mortgage Acceptance Company | 7 | $1.8M | $252,143 | 6.86% | 29% | 0% |
| 94 | Credit Human Federal Credit Un | 7 | $735,000 | $105,000 | 8.94% | 76% | 100% |
| 95 | Ixonia Bank | 7 | $1.2M | $176,429 | 6.11% | 0% | 0% |
| 96 | CHESAPEAKE BANK | 6 | $890,000 | $148,333 | 7.1% | 46% | 0% |
| 97 | Mason-McDuffie Mortgage Corporation | 6 | $830,000 | $138,333 | 7.02% | 0% | 0% |
| 98 | Celco Community Federal Credit Union | 6 | $410,000 | $68,333 | 8.75% | 14% | 33% |
| 99 | First Reliance Bank | 6 | $870,000 | $145,000 | 7% | 0% | 0% |
| 100 | Village Bank Mortgage | 6 | $960,000 | $160,000 | 6.98% | 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.