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)
8,128
+16.1% vs 2024Originations
$2.21B
+23.5% vs 2024Average loan
$271,364
262 lendersAverage interest rate
7.11%
Denial rate
23%
Home only share
13%
Loans originated by year in WA
Top manufactured home lenders in WA
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 | United Wholesale Mortgage | 666 | $245.2M | $368,153 | 6.14% | 10% | 0% |
| 2 | TRIAD FINANCIAL SERVICES, INC. | 550 | $66.8M | $121,545 | 9.03% | 31% | 99% |
| 3 | GUILD MORTGAGE COMPANY | 371 | $112.6M | $303,518 | 6.57% | 5% | 0% |
| 4 | ROCKET MORTGAGE | 325 | $98.5M | $303,000 | 6.37% | 28% | 0% |
| 5 | CROSSCOUNTRY MORTGAGE, LLC | 291 | $106.8M | $367,062 | 6.57% | 3% | 1% |
| 6 | MOVEMENT MORTGAGE, LLC | 248 | $72.7M | $293,145 | 6.4% | 5% | 0% |
| 7 | CMG MORTGAGE INC | 228 | $73.3M | $321,272 | 6.51% | 4% | 0% |
| 8 | Boeing Employees' Credit Union | 209 | $34.7M | $166,100 | 6.84% | 48% | 0% |
| 9 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 186 | $56.7M | $304,624 | 6.8% | 1% | 0% |
| 10 | 21ST MORTGAGE | 161 | $22.2M | $137,671 | 10.21% | 44% | 83% |
| 11 | NEWREZ LLC | 154 | $55.2M | $358,571 | 6.3% | 13% | 0% |
| 12 | Credit Human Federal Credit Un | 152 | $21.6M | $141,974 | 8.61% | 41% | 99% |
| 13 | FAIRWAY INDEPENDENT MORT CORP | 139 | $41.4M | $298,094 | 6.58% | 7% | 0% |
| 14 | GESA CREDIT UNION | 132 | $20.9M | $158,636 | 7.66% | 22% | 0% |
| 15 | Mortgage Research Center | 132 | $51.7M | $391,894 | 6.41% | 12% | 0% |
| 16 | American Pacific Mortgage Corporation | 128 | $44.1M | $344,688 | 6.78% | 5% | 0% |
| 17 | 1st Security Bank of Washington | 123 | $41.2M | $335,000 | 7.48% | 10% | 0% |
| 18 | NEW AMERICAN FUNDING, LLC. | 119 | $34.4M | $289,370 | 6.46% | 8% | 0% |
| 19 | Cornerstone First Mortgage, LLC | 107 | $28.3M | $264,065 | 6.16% | 1% | 0% |
| 20 | Sound Community Bank | 106 | $11.7M | $110,472 | 8.58% | 20% | 84% |
| 21 | Banner Bank | 95 | $24.9M | $262,368 | 7.45% | 33% | 0% |
| 22 | COLUMBIA BANK | 87 | $20.4M | $234,195 | 7.59% | 36% | 0% |
| 23 | Navy Federal Credit Union | 83 | $21.9M | $263,313 | 7.12% | 40% | 0% |
| 24 | WSECU | 80 | $9.1M | $114,250 | 7.32% | 52% | 0% |
| 25 | loanDepot.com LLC | 77 | $24.1M | $312,532 | 6.57% | 18% | 0% |
| 26 | FIBRE FEDERAL CREDIT UNION | 76 | $7.9M | $104,474 | 7.78% | 32% | 11% |
| 27 | American Financial Resources LLC | 74 | $26.4M | $356,351 | 6.45% | 6% | 0% |
| 28 | FREEDOM MORTGAGE CORPORATION | 74 | $25.2M | $340,405 | 6.02% | 18% | 0% |
| 29 | GUARANTEED RATE, INC. | 73 | $24.9M | $341,027 | 6.58% | 9% | 0% |
| 30 | EASTSIDE FUNDING LLC | 68 | $13.0M | $190,588 | 12.13% | 0% | 0% |
| 31 | KITSAP CREDIT UNION | 68 | $6.7M | $99,118 | 7.22% | 25% | 0% |
| 32 | Premier Mortgage Resources, LLC | 61 | $17.0M | $278,770 | 6.72% | 1% | 0% |
| 33 | Red Canoe Credit Union | 60 | $7.7M | $127,500 | 7.65% | 10% | 2% |
| 34 | CANOPY MORTGAGE, LLC | 58 | $16.8M | $288,966 | 6.67% | 0% | 0% |
| 35 | NUMERICA CREDIT UNION | 58 | $7.5M | $129,483 | 7.63% | 50% | 0% |
| 36 | PENNYMAC LOAN SERVICES LLC | 55 | $22.0M | $399,182 | 6.3% | 17% | 0% |
| 37 | CORNERSTONE CAPITAL BANK, SSB | 52 | $18.7M | $359,423 | 6.83% | 2% | 0% |
| 38 | Mutual of Omaha Mortgage | 51 | $12.8M | $250,882 | 6.36% | 21% | 0% |
| 39 | Spokane Teachers Credit Union | 50 | $10.7M | $213,000 | 7.51% | 34% | 0% |
| 40 | Synergy One Lending, Inc. | 49 | $13.7M | $280,510 | 6.79% | 14% | 0% |
| 41 | Alliant Credit Union | 45 | $5.7M | $127,444 | 9.13% | 16% | 0% |
| 42 | HORIZON CREDIT UNION | 43 | $4.7M | $108,721 | 5.48% | 25% | 0% |
| 43 | US BANK, N.A. | 42 | $10.3M | $244,048 | 7.1% | 68% | 0% |
| 44 | Click n' Close, Inc. | 42 | $11.6M | $275,952 | 7.43% | 2% | 0% |
| 45 | Washington Trust Bank | 40 | $5.0M | $125,250 | 7.75% | 34% | 0% |
| 46 | PRIMELENDING | 39 | $10.9M | $280,641 | 6.76% | 2% | 0% |
| 47 | Freedom Northwest Credit Union | 39 | $6.6M | $168,077 | n/a | 0% | n/a |
| 48 | Kind Lending, LLC | 39 | $13.4M | $344,231 | 6.56% | 13% | 0% |
| 49 | WHATCOM EDUCATIONAL CREDIT UNI | 39 | $8.1M | $207,821 | 6.92% | 34% | 3% |
| 50 | SUMMIT FUNDING.INC | 36 | $8.8M | $245,556 | 6.85% | 2% | 0% |
| 51 | Sunflower Bank, N.A. | 36 | $12.8M | $354,722 | 6.4% | 2% | 0% |
| 52 | DAS ACQUISITION COMPANY, LLC | 36 | $12.6M | $348,611 | 6.94% | 4% | 0% |
| 53 | Glacier Bank | 35 | $10.1M | $287,571 | 6.88% | 25% | 0% |
| 54 | MLD MORTGAGE, INC.DBA THE MONEY STORE | 33 | $11.7M | $353,485 | 6.37% | 0% | 0% |
| 55 | Rain City Capital, LLC | 33 | $9.6M | $289,545 | 11.16% | 28% | 0% |
| 56 | OLYMPIA FEDERAL SAVINGS & LOAN | 32 | $6.8M | $213,438 | 6.15% | 15% | 28% |
| 57 | KEYBANK NATIONAL ASSOCIATION | 32 | $5.8M | $180,938 | 7.84% | 43% | 0% |
| 58 | Carrington Mortgage Services LLC | 31 | $8.1M | $260,484 | 6.84% | 26% | 0% |
| 59 | PARAMOUNT RESIDENTIAL MORTGAGE | 31 | $12.4M | $399,516 | 6.35% | 2% | 0% |
| 60 | GENWAY HOME MORTGAGE, INC. | 30 | $5.5M | $183,333 | 7.91% | 32% | 0% |
| 61 | UNION HOME MORTGAGE CORP. | 29 | $11.2M | $386,379 | 6.71% | 5% | 0% |
| 62 | NATIONS LENDING CORPORATION | 28 | $7.3M | $259,643 | 6.21% | 11% | 0% |
| 63 | PLANET HOME LENDING, LLC | 28 | $7.6M | $272,143 | 6.92% | 18% | 0% |
| 64 | O Bee Credit Union | 27 | $4.4M | $164,630 | 7.48% | 18% | 7% |
| 65 | IDAHO CENTRAL CREDIT UNION | 27 | $7.0M | $257,593 | 7.18% | 15% | 0% |
| 66 | Global Federal Credit Union | 27 | $11.6M | $428,704 | 6.45% | 22% | 4% |
| 67 | iQ Credit Union | 26 | $2.4M | $91,538 | 7.18% | 33% | 0% |
| 68 | Equity Prime Mortgage LLC | 26 | $8.8M | $338,846 | 6.41% | 4% | 0% |
| 69 | POTLATCH NO 1 FINANCIAL CREDIT U | 24 | $4.3M | $180,833 | 7.43% | 8% | 4% |
| 70 | AMERISAVE MORTGAGE COMPANY | 23 | $5.7M | $247,609 | 6.31% | 76% | 0% |
| 71 | Highlands Residential Mortgage, Ltd. | 23 | $7.5M | $324,565 | 6.82% | 4% | 0% |
| 72 | Village Capital & Investment | 23 | $8.6M | $375,435 | 5.95% | 24% | 0% |
| 73 | HomeStreet Bank | 23 | $5.5M | $239,783 | 6.95% | 29% | 0% |
| 74 | ENVOY MORTGAGE, LTD | 22 | $8.5M | $386,818 | 6.67% | 16% | 0% |
| 75 | SOUND CREDIT UNION | 22 | $2.9M | $130,000 | 7.27% | 45% | 0% |
| 76 | FINANCE OF AMERICA REVERSE LLC | 22 | $4.7M | $214,091 | 6.17% | 7% | 0% |
| 77 | SUN WEST MORTGAGE COMPANY, INC | 22 | $7.7M | $351,364 | 5.81% | 22% | 0% |
| 78 | FIRST FED BANK | 22 | $4.9M | $224,091 | n/a | 21% | n/a |
| 79 | Mason-McDuffie Mortgage Corporation | 21 | $6.2M | $293,095 | 6.85% | 4% | 0% |
| 80 | LEADERONE FINANCIAL CORP. | 21 | $7.3M | $346,429 | 6.77% | 12% | 0% |
| 81 | Plains Commerce Bank | 21 | $5.2M | $246,905 | 6.94% | 0% | 0% |
| 82 | NFM, INC | 21 | $8.1M | $386,905 | 6.82% | 11% | 0% |
| 83 | Peoples Bank | 20 | $3.1M | $155,000 | 7.49% | 38% | 0% |
| 84 | CHURCHILL MORTGAGE CORPORATION | 20 | $6.8M | $337,500 | 6.74% | 6% | 0% |
| 85 | COLUMBIA CREDIT UNION | 20 | $2.2M | $111,000 | 6.24% | 51% | 0% |
| 86 | INDUSTRIAL CU OF WHATCOM COUNTY | 20 | $3.8M | $189,500 | n/a | 17% | n/a |
| 87 | Directors Mortgage, Inc | 20 | $6.9M | $345,500 | 6.77% | 0% | 80% |
| 88 | NOVA Financial & Investment Corporation | 19 | $5.6M | $295,000 | 6.62% | 4% | 0% |
| 89 | AMERICAN FINANCIAL NETWORK, INC. | 18 | $6.2M | $343,889 | 6.48% | 7% | 0% |
| 90 | SOLARITY CREDIT UNION | 18 | $1.9M | $106,667 | 7.85% | 34% | 0% |
| 91 | YAKIMA FEDERAL SAVINGS & LOAN | 18 | $3.7M | $204,444 | 6.42% | 21% | 0% |
| 92 | FIRST NATIONAL BANK OF AMERICA | 18 | $4.2M | $235,556 | 10.07% | 14% | 0% |
| 93 | Gold Star Mortgage Financial Group, Corporation | 18 | $5.5M | $308,333 | 6.67% | 0% | 100% |
| 94 | PLAZA HOME MORTGAGE, INC | 17 | $4.6M | $272,059 | 6.78% | 21% | 0% |
| 95 | Hapo Communtiy Credit Union | 17 | $3.0M | $177,941 | 7.01% | 31% | 0% |
| 96 | AGWEST FARM CREDIT, FLCA | 16 | $5.2M | $324,375 | 6.47% | 24% | 0% |
| 97 | BAY EQUITY LLC | 16 | $6.6M | $412,500 | 6.74% | 3% | 0% |
| 98 | Timberland Bank | 16 | $3.9M | $243,125 | 7.38% | 25% | 0% |
| 99 | Luminate Bank | 15 | $5.4M | $358,333 | 6.73% | 4% | 0% |
| 100 | NATIONS DIRECT MORTGAGE, LLC | 15 | $5.2M | $345,000 | 6.41% | 4% | 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.