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.
639
+23.1% vs 2024$91.3M
+29.4% vs 2024$142,950
52 lenders7.24%
19%
16%
Loans originated by year in VT
Top manufactured home lenders in VT
Select a column heading to re-rank. Select a lender to analyze it. Originations are inferred as loans times average loan. Showing the 52 largest lenders.
| # | |||||||
|---|---|---|---|---|---|---|---|
| 1 | EastRise Federal Credit Union | 118 | $13.4M | $113,220 | 7% | 8% | 31% |
| 2 | NorthCountry Federal Credit Union | 99 | $8.1M | $81,465 | 7.73% | 12% | 7% |
| 3 | Union Bank | 59 | $9.9M | $167,373 | 6.99% | 6% | 2% |
| 4 | 21ST MORTGAGE | 32 | $4.4M | $136,250 | 9.57% | 40% | 41% |
| 5 | Mascoma Bank | 29 | $2.7M | $94,310 | 6.96% | 27% | 45% |
| 6 | VERMONT FEDERAL CREDIT UNION | 27 | $4.0M | $147,963 | 6.93% | 14% | 0% |
| 7 | ROCKET MORTGAGE | 25 | $4.5M | $180,600 | 6.45% | 36% | 0% |
| 8 | 802 Credit Union | 25 | $2.9M | $115,400 | 8.63% | 16% | 24% |
| 9 | EMM Loans LLC | 23 | $6.1M | $265,000 | 6.7% | 0% | 0% |
| 10 | COMMUNITY NATIONAL BANK | 21 | $2.7M | $126,429 | 7.38% | 19% | 0% |
| 11 | 549300NIQBROW7MLXI19 | 20 | $1.8M | $87,500 | 7.04% | 0% | 95% |
| 12 | Community Bank, N.A. | 18 | $2.8M | $154,444 | 7.12% | 25% | 0% |
| 13 | CMG MORTGAGE INC | 15 | $3.0M | $199,000 | 6.61% | 10% | 0% |
| 14 | NEW AMERICAN FUNDING, LLC. | 14 | $2.1M | $151,429 | 7.31% | 5% | 0% |
| 15 | Mortgage Research Center | 12 | $3.2M | $264,167 | 6.47% | 12% | 0% |
| 16 | PEOPLES TRUST COMPANY OF ST. ALBANS | 11 | $2.4M | $222,273 | n/a | 26% | n/a |
| 17 | GUILD MORTGAGE COMPANY | 11 | $2.4M | $215,909 | 6.5% | 0% | 0% |
| 18 | United Wholesale Mortgage | 7 | $1.7M | $239,286 | 6.99% | 13% | 0% |
| 19 | loanDepot.com LLC | 6 | $1.0M | $170,000 | 7.12% | 14% | 0% |
| 20 | FAIRWAY INDEPENDENT MORT CORP | 6 | $1.1M | $180,000 | 7.45% | 14% | 0% |
| 21 | National Bank of Middlebury | 5 | $645,000 | $129,000 | n/a | 0% | n/a |
| 22 | Northeast Home Loan, LLC | 5 | $1.2M | $249,000 | 6.33% | 0% | 0% |
| 23 | M&T BANK | 4 | $370,000 | $92,500 | 6.44% | 50% | 0% |
| 24 | FREEDOM MORTGAGE CORPORATION | 4 | $740,000 | $185,000 | 6.13% | 18% | 0% |
| 25 | One Credit Union | 3 | $175,000 | $58,333 | 6.71% | 0% | 0% |
| 26 | DAS ACQUISITION COMPANY, LLC | 3 | $655,000 | $218,333 | 7% | 0% | 0% |
| 27 | NEWREZ LLC | 3 | $855,000 | $285,000 | 5.42% | 9% | 0% |
| 28 | Northfield Savings Bank | 2 | $320,000 | $160,000 | 5.88% | 50% | 0% |
| 29 | Navy Federal Credit Union | 2 | $280,000 | $140,000 | 7% | 50% | 0% |
| 30 | Carrington Mortgage Services LLC | 2 | $240,000 | $120,000 | 8% | 67% | 0% |
| 31 | ARK-LA-TEX FINANCIAL SERVICES LLC | 2 | $550,000 | $275,000 | 6.81% | 0% | 0% |
| 32 | NORWICH COMMERCIAL GROUP INC | 2 | $450,000 | $225,000 | 6.69% | 0% | 50% |
| 33 | Bar Harbor Bank & Trust | 2 | $490,000 | $245,000 | 7.06% | 33% | 0% |
| 34 | AMERISAVE MORTGAGE COMPANY | 2 | $370,000 | $185,000 | 7.06% | 89% | 0% |
| 35 | Barrington Bank & Trust Company, N.A. | 2 | $380,000 | $190,000 | 6.25% | 0% | 0% |
| 36 | PENNYMAC LOAN SERVICES LLC | 2 | $320,000 | $160,000 | 6.06% | 0% | 0% |
| 37 | GENEVA FINANCIAL LLC | 1 | $235,000 | $235,000 | 6.88% | 0% | 0% |
| 38 | PARAMOUNT RESIDENTIAL MORTGAGE | 1 | $305,000 | $305,000 | 6.63% | 0% | 0% |
| 39 | Better Mortgage Corporation | 1 | $255,000 | $255,000 | 6.63% | 20% | 0% |
| 40 | MOVEMENT MORTGAGE, LLC | 1 | $205,000 | $205,000 | 5.75% | 50% | 0% |
| 41 | PRIMELENDING | 1 | $135,000 | $135,000 | 6.99% | 50% | 0% |
| 42 | Village Capital & Investment | 1 | $275,000 | $275,000 | 5.75% | 0% | 0% |
| 43 | TRIAD FINANCIAL SERVICES, INC. | 1 | $115,000 | $115,000 | 8.08% | 60% | 100% |
| 44 | CROSSCOUNTRY MORTGAGE, LLC | 1 | $165,000 | $165,000 | 7.25% | 0% | 0% |
| 45 | Luminate Home Loans, Inc. | 1 | $195,000 | $195,000 | 7.25% | 0% | 0% |
| 46 | MEMBER FIRST MORTGAGE, LLC | 1 | $135,000 | $135,000 | 6.63% | 0% | 0% |
| 47 | ADAMS COMMUNITY BANK | 1 | $245,000 | $245,000 | 7.25% | 0% | 0% |
| 48 | THE FEDERAL SAVINGS BANK | 1 | $225,000 | $225,000 | 7% | 0% | 0% |
| 49 | Synergy One Lending, Inc. | 1 | $305,000 | $305,000 | 6.99% | 0% | 0% |
| 50 | Pivot Financial Partners, Inc | 1 | $145,000 | $145,000 | 6.75% | 0% | 0% |
| 51 | American Financial Resources LLC | 1 | $115,000 | $115,000 | 7.25% | 0% | 0% |
| 52 | Mutual of Omaha Mortgage | 1 | $265,000 | $265,000 | 6.63% | 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.