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)
2,710
+1.5% vs 2024Originations
$493.8M
+33.8% vs 2024Average loan
$182,218
237 lendersAverage interest rate
7.71%
Denial rate
32%
Home only share
36%
Loans originated by year in WI
Top manufactured home lenders in WI
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 | Zippy Loans, LLC | 337 | $18.6M | $55,059 | 8.18% | 32% | 100% |
| 2 | 21ST MORTGAGE | 146 | $11.9M | $81,233 | 10.97% | 57% | 96% |
| 3 | BANK FIRST N.A. | 132 | $13.0M | $98,182 | 7.38% | 7% | 40% |
| 4 | COVANTAGE CREDIT UNION | 118 | $14.1M | $119,322 | 6.68% | 7% | 13% |
| 5 | TRIAD FINANCIAL SERVICES, INC. | 111 | $7.5M | $67,613 | 9.62% | 57% | 100% |
| 6 | National Exchange Bank and Trust | 75 | $5.6M | $74,333 | 8.92% | 27% | 80% |
| 7 | ROCKET MORTGAGE | 68 | $12.2M | $179,118 | 6.64% | 44% | 0% |
| 8 | WESTCONSIN CREDIT UNION | 64 | $6.1M | $95,625 | 7.24% | 17% | 0% |
| 9 | ROYAL CREDIT UNION | 60 | $8.3M | $139,000 | 6.93% | 19% | 2% |
| 10 | United Wholesale Mortgage | 51 | $11.1M | $217,353 | 6.4% | 21% | 0% |
| 11 | Summit Credit Union | 50 | $6.8M | $136,800 | 5.93% | 20% | 0% |
| 12 | Nicolet National Bank | 47 | $5.8M | $123,511 | 7.93% | 5% | 9% |
| 13 | COMPEER FINANCIAL | 44 | $9.2M | $209,545 | 7.23% | 9% | 0% |
| 14 | Performance Equity Partners, Inc. | 44 | $2.0M | $45,909 | 12.85% | 62% | 100% |
| 15 | CAPITAL CREDIT UNION | 38 | $4.6M | $120,000 | 6.65% | 15% | 3% |
| 16 | MARINE CREDIT UNION | 37 | $3.7M | $99,595 | 8.77% | 27% | 0% |
| 17 | GREENSTATE CREDIT UNION | 36 | $2.1M | $57,778 | 9.07% | 49% | 100% |
| 18 | Associated Bank NA | 36 | $5.0M | $139,444 | 7.13% | 45% | 0% |
| 19 | GUILD MORTGAGE COMPANY | 34 | $6.1M | $179,118 | 6.78% | 9% | 0% |
| 20 | Community First Credit Union | 34 | $3.2M | $94,118 | 5.63% | 16% | 3% |
| 21 | Mortgage Research Center | 32 | $7.0M | $217,188 | 6.61% | 13% | 0% |
| 22 | ROYAL BANK | 30 | $3.9M | $131,000 | 7.26% | 13% | 10% |
| 23 | CROSSCOUNTRY MORTGAGE, LLC | 30 | $6.0M | $201,667 | 6.58% | 5% | 0% |
| 24 | WESTBY CO-OP CREDIT UNION | 29 | $2.7M | $92,241 | 7.77% | 3% | 7% |
| 25 | loanDepot.com LLC | 28 | $4.7M | $168,214 | 6.86% | 22% | 0% |
| 26 | FAIRWAY INDEPENDENT MORT CORP | 26 | $4.9M | $187,308 | 7.02% | 11% | 0% |
| 27 | Co-op Credit Union | 26 | $3.1M | $119,615 | 6.57% | 10% | 12% |
| 28 | Bank of Ontario | 25 | $1.1M | $44,600 | n/a | 0% | n/a |
| 29 | 1st Community Credit Union | 24 | $2.1M | $85,833 | 9.34% | 20% | 42% |
| 30 | Fox Communities Credit Union | 23 | $2.2M | $94,130 | 7.06% | 10% | 0% |
| 31 | N.E.W. Credit Union | 19 | $1.4M | $76,053 | 5.78% | 0% | 0% |
| 32 | BMO Harris Bank NA | 18 | $2.3M | $129,444 | 8.47% | 43% | 0% |
| 33 | Superior Choice Credit Union | 18 | $1.5M | $85,556 | 6.22% | 21% | 0% |
| 34 | Credit Human Federal Credit Un | 17 | $1.1M | $62,647 | 8.29% | 67% | 100% |
| 35 | STEPHENSON NATIONAL BANK & TRUST | 17 | $2.0M | $118,529 | n/a | 14% | n/a |
| 36 | PREMIER COMMUNITY BANK | 16 | $11.9M | $746,875 | n/a | 6% | n/a |
| 37 | The Peoples Community Bank | 15 | $1.1M | $71,000 | n/a | 16% | n/a |
| 38 | Northern State Bank | 15 | $1.5M | $101,667 | n/a | 12% | n/a |
| 39 | GUARANTEED RATE, INC. | 15 | $2.8M | $186,333 | 6.54% | 14% | 0% |
| 40 | US BANK, N.A. | 14 | $2.4M | $170,714 | 6.89% | 60% | 0% |
| 41 | Fortifi Bank | 14 | $10.8M | $775,000 | n/a | 0% | n/a |
| 42 | UNION HOME MORTGAGE CORP. | 14 | $2.9M | $207,143 | 6.79% | 15% | 0% |
| 43 | NATIONS LENDING CORPORATION | 14 | $2.3M | $161,429 | 6.52% | 10% | 0% |
| 44 | ONE COMMUNITY BANK | 13 | $1.7M | $128,077 | 7.63% | 11% | 0% |
| 45 | Peoples State Bank | 13 | $745,000 | $57,308 | n/a | 6% | n/a |
| 46 | VERVE, A CREDIT UNION | 12 | $1.6M | $135,833 | 6.8% | 15% | 0% |
| 47 | The First National Bank of Bangor | 12 | $400,000 | $33,333 | n/a | 8% | n/a |
| 48 | Laona State Bank | 12 | $1.2M | $100,000 | n/a | 6% | n/a |
| 49 | Bank of Milton | 12 | $1.1M | $94,167 | n/a | 7% | n/a |
| 50 | CHIPPEWA VALLEY BANK | 12 | $1.2M | $103,333 | n/a | 0% | n/a |
| 51 | NEWREZ LLC | 11 | $2.5M | $225,909 | 6.34% | 14% | 0% |
| 52 | FIRST COLONY MORTGAGE CORPORAT | 11 | $2.1M | $195,000 | 6.67% | 14% | 0% |
| 53 | UW CREDIT UNION | 10 | $2.2M | $222,000 | 6.16% | 17% | 0% |
| 54 | PCM CREDIT UNION | 10 | $970,000 | $97,000 | 5.74% | 17% | 10% |
| 55 | CARDINAL FINANCIAL COMPANY, LI | 10 | $1.5M | $150,000 | 7.2% | 29% | 0% |
| 56 | Merchants Bank, National Association | 9 | $18.1M | $2,012,778 | 6.58% | 0% | 33% |
| 57 | MOVEMENT MORTGAGE, LLC | 9 | $1.7M | $186,111 | 7.29% | 8% | 0% |
| 58 | Citizens First Bank | 9 | $1.2M | $138,333 | n/a | 18% | n/a |
| 59 | Citizens State Bank | 9 | $1.2M | $136,111 | n/a | 8% | n/a |
| 60 | Barrington Bank & Trust Company, N.A. | 9 | $1.9M | $207,222 | 7.14% | 21% | 0% |
| 61 | JOHNSON BANK | 9 | $1.9M | $207,222 | 6.54% | 26% | 0% |
| 62 | RIVER BANK | 9 | $23.9M | $2,658,333 | n/a | 8% | n/a |
| 63 | Ixonia Bank | 9 | $835,000 | $92,778 | 7.28% | 8% | 0% |
| 64 | Incrediblebank | 9 | $835,000 | $92,778 | 7.21% | 9% | 0% |
| 65 | AbbyBank | 8 | $810,000 | $101,250 | 6.94% | 17% | 25% |
| 66 | American Financial Resources LLC | 8 | $1.5M | $182,500 | 7.01% | 0% | 0% |
| 67 | Altra Federal Credit Union | 8 | $1.4M | $181,250 | 6.98% | 0% | 0% |
| 68 | PENNYMAC LOAN SERVICES LLC | 8 | $1.6M | $206,250 | 6.39% | 22% | 0% |
| 69 | PremierBank | 8 | $560,000 | $70,000 | n/a | 31% | n/a |
| 70 | Peoples State Bank of Plainview | 8 | $1.1M | $141,250 | n/a | 10% | n/a |
| 71 | OSB COMMUNITY BANK | 7 | $4.3M | $609,286 | n/a | 0% | n/a |
| 72 | Pillar Bank | 7 | $495,000 | $70,714 | n/a | 23% | n/a |
| 73 | NEW AMERICAN FUNDING, LLC. | 7 | $1.7M | $242,143 | 6.78% | 8% | 0% |
| 74 | UNITEDONE CREDIT UNION | 7 | $455,000 | $65,000 | 6.04% | 36% | 0% |
| 75 | FREEDOM MORTGAGE CORPORATION | 7 | $1.3M | $185,000 | 6.48% | 31% | 0% |
| 76 | Hiawatha National Bank | 7 | $815,000 | $116,429 | n/a | 22% | n/a |
| 77 | SECURITY FINANCIAL BANK | 6 | $710,000 | $118,333 | n/a | 25% | n/a |
| 78 | NATIONAL BANK OF COMMERCE | 6 | $450,000 | $75,000 | 7.59% | 22% | 0% |
| 79 | CMG MORTGAGE INC | 6 | $1.3M | $210,000 | 6.6% | 0% | 0% |
| 80 | Centricity Credit Union | 6 | $790,000 | $131,667 | 7.01% | 25% | 0% |
| 81 | Servion | 6 | $1.1M | $178,333 | 6.71% | 0% | 0% |
| 82 | PARAMOUNT RESIDENTIAL MORTGAGE | 6 | $1.2M | $193,333 | 6.83% | 0% | 0% |
| 83 | American Pacific Mortgage Corporation | 6 | $1.3M | $210,000 | 6.71% | 15% | 0% |
| 84 | Forward Bank | 6 | $1.1M | $181,667 | 7.18% | 13% | 0% |
| 85 | WOLF RIVER COMMUNITY BANK | 6 | $910,000 | $151,667 | n/a | 0% | n/a |
| 86 | BANK OF LUXEMBURG | 6 | $870,000 | $145,000 | n/a | 13% | n/a |
| 87 | SIMPLICITY CREDIT UNION | 6 | $790,000 | $131,667 | 6.75% | 13% | 0% |
| 88 | Mutual of Omaha Mortgage | 5 | $855,000 | $171,000 | 6.48% | 52% | 0% |
| 89 | Indianhead Credit Union | 5 | $475,000 | $95,000 | 6.63% | 17% | 0% |
| 90 | Consumer Real Estate Finance Co DBA Society Mortgage | 5 | $1.1M | $227,000 | 7.07% | 33% | 0% |
| 91 | EVERETT FINANCIAL, INC. | 5 | $1.0M | $209,000 | 6.58% | 17% | 0% |
| 92 | CLOVERBELT CREDIT UNION | 5 | $555,000 | $111,000 | n/a | 0% | n/a |
| 93 | Security Bank | 5 | $395,000 | $79,000 | n/a | 0% | n/a |
| 94 | Primary Residential Mortgage, INC. | 5 | $945,000 | $189,000 | 7.27% | 0% | 0% |
| 95 | CITIZENS STATE BANK OF LOYAL | 4 | $480,000 | $120,000 | n/a | 0% | n/a |
| 96 | FRANDSEN BANK & TRUST | 4 | $550,000 | $137,500 | 6.83% | 33% | 0% |
| 97 | Dairy State Bank | 4 | $11.8M | $2,960,000 | n/a | 33% | n/a |
| 98 | NORTHVIEW BANK | 4 | $1.4M | $350,000 | n/a | 14% | n/a |
| 99 | The Northwestern Bank | 4 | $890,000 | $222,500 | n/a | 0% | n/a |
| 100 | JMAC Lending, Inc. | 4 | $600,000 | $150,000 | 6.97% | 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.