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)
2,237
+6.9% vs 2024Originations
$307.8M
+19.2% vs 2024Average loan
$137,602
162 lendersAverage interest rate
8.01%
Denial rate
39%
Home only share
28%
Loans originated by year in WV
Top manufactured home lenders in WV
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 | 406 | $52.0M | $128,005 | 10.12% | 39% | 62% |
| 2 | 21ST MORTGAGE | 157 | $15.7M | $99,713 | 10.28% | 48% | 75% |
| 3 | ROCKET MORTGAGE | 127 | $16.9M | $132,953 | 6.71% | 42% | 0% |
| 4 | loanDepot.com LLC | 60 | $7.4M | $123,500 | 7.16% | 24% | 2% |
| 5 | MOVEMENT MORTGAGE, LLC | 60 | $7.9M | $131,667 | 7.26% | 8% | 0% |
| 6 | CLEAR MOUNTAIN BANK | 49 | $10.6M | $217,041 | 7.17% | 6% | 13% |
| 7 | THE POCA VALLEY BANK | 47 | $7.0M | $149,255 | n/a | 13% | n/a |
| 8 | CALHOUN COUNTY BANKS INC | 46 | $5.9M | $128,043 | n/a | 14% | n/a |
| 9 | Mortgage Research Center | 44 | $8.3M | $188,182 | 6.8% | 7% | 0% |
| 10 | Huntington National Bank | 43 | $7.1M | $165,000 | 6.49% | 40% | 0% |
| 11 | SOUTHWEST STAGE FUNDING LLC | 41 | $6.1M | $147,683 | 8.65% | 6% | 76% |
| 12 | TRIAD FINANCIAL SERVICES, INC. | 41 | $3.9M | $94,268 | 9.12% | 57% | 95% |
| 13 | Logan Bank and Trust | 39 | $4.2M | $107,051 | n/a | 12% | n/a |
| 14 | Peoples Bank | 37 | $2.9M | $79,324 | 7.31% | 27% | 0% |
| 15 | United Wholesale Mortgage | 35 | $6.4M | $182,714 | 6.36% | 20% | 0% |
| 16 | Credit Human Federal Credit Un | 34 | $3.5M | $102,059 | 8.39% | 89% | 97% |
| 17 | First Community Bank | 32 | $2.8M | $87,813 | 7.58% | 28% | 0% |
| 18 | Community Trust Bank, Inc. | 30 | $3.9M | $129,333 | 6.71% | 24% | 0% |
| 19 | The Bank of Romney | 30 | $3.3M | $111,333 | n/a | 3% | n/a |
| 20 | CLAY COUNTY BANK | 29 | $1.7M | $58,793 | n/a | 8% | n/a |
| 21 | Pioneer Community Bank | 29 | $2.6M | $88,103 | n/a | 0% | n/a |
| 22 | First Exchange Bank | 29 | $5.0M | $170,862 | n/a | 37% | n/a |
| 23 | GATEWAY FIRST BANK | 28 | $3.9M | $138,571 | 7.08% | 6% | 0% |
| 24 | NEW AMERICAN FUNDING, LLC. | 27 | $3.3M | $123,519 | 7.18% | 15% | 0% |
| 25 | Whitesville State Bank | 27 | $1.9M | $68,704 | n/a | 23% | n/a |
| 26 | TRUIST BANK | 27 | $3.1M | $115,370 | 6.3% | 21% | 0% |
| 27 | WESBANCO BANK, INC. | 26 | $2.9M | $110,000 | 5.76% | 14% | 0% |
| 28 | ALCOVA Mortgage, LLC | 24 | $3.7M | $153,750 | 7.1% | 3% | 0% |
| 29 | CAPON VALLEY BANK | 23 | $1.4M | $62,826 | n/a | 4% | n/a |
| 30 | STOCKTON MORTGAGE CORPORATION | 23 | $3.9M | $171,522 | 7.21% | 23% | 0% |
| 31 | CROSSCOUNTRY MORTGAGE, LLC | 21 | $3.8M | $180,238 | 6.74% | 9% | 0% |
| 32 | Tammac Holdings Corporation | 21 | $1.5M | $70,714 | 9.35% | 73% | 100% |
| 33 | FAIRMONT FEDERAL CREDIT UNION | 20 | $2.2M | $111,500 | 5.77% | 24% | 0% |
| 34 | Pendleton Community Bank | 19 | $1.9M | $102,368 | n/a | 14% | n/a |
| 35 | BURKE & HERBERT BK & TR CO | 18 | $1.8M | $99,444 | 7.33% | 11% | 6% |
| 36 | AMERISAVE MORTGAGE COMPANY | 18 | $2.0M | $112,778 | 7.08% | 62% | 0% |
| 37 | GUARANTEED RATE, INC. | 18 | $3.3M | $182,222 | 6.87% | 8% | 0% |
| 38 | Jefferson Security Bank | 18 | $4.2M | $235,556 | n/a | 8% | n/a |
| 39 | Integrity Home Mortgage Corporation | 17 | $3.4M | $202,059 | 6.63% | 14% | 0% |
| 40 | SUCCESS MORTGAGE PARTNERS, INC | 17 | $2.2M | $130,882 | 7.15% | 0% | 0% |
| 41 | PRIMELENDING | 16 | $2.4M | $151,250 | 7.11% | 5% | 0% |
| 42 | Equity Prime Mortgage LLC | 15 | $2.6M | $173,667 | 6.82% | 0% | 0% |
| 43 | NEWREZ LLC | 14 | $2.3M | $165,000 | 6.61% | 29% | 0% |
| 44 | THE GRANT COUNTY BANK | 13 | $1.2M | $93,462 | n/a | 12% | n/a |
| 45 | Fayette County National Bank | 12 | $730,000 | $60,833 | n/a | 11% | n/a |
| 46 | Atlantic Union Bank | 12 | $1.9M | $157,500 | 6.73% | 6% | 0% |
| 47 | BAYER HFCU | 12 | $1.8M | $146,667 | 5.94% | 14% | 0% |
| 48 | WV Central Federal Credit Union | 10 | $920,000 | $92,000 | n/a | 14% | n/a |
| 49 | Navy Federal Credit Union | 10 | $1.5M | $146,000 | 6.7% | 23% | 0% |
| 50 | Victorian Finance, LLC | 10 | $1.4M | $140,000 | 6.88% | 0% | 0% |
| 51 | Putnam County Bank | 10 | $1.5M | $154,000 | n/a | 9% | n/a |
| 52 | FIRST FEDERAL SAVINGS AND LOAN | 10 | $1.8M | $182,000 | 5.96% | 8% | 10% |
| 53 | FNB BANK, INC | 8 | $1.0M | $130,000 | n/a | 0% | n/a |
| 54 | Intercoastal Mortgage, LLC | 8 | $1.4M | $168,750 | 6.62% | 0% | 0% |
| 55 | PENNYMAC LOAN SERVICES LLC | 8 | $1.4M | $181,250 | 6.11% | 18% | 0% |
| 56 | Hancock County Savings Bank, FSB | 7 | $575,000 | $82,143 | 4.8% | 20% | 0% |
| 57 | Carrington Mortgage Services LLC | 7 | $985,000 | $140,714 | 6.54% | 29% | 0% |
| 58 | Ohio Valley Bank | 6 | $960,000 | $160,000 | 7.13% | 13% | 0% |
| 59 | City National Bank of WV | 6 | $810,000 | $135,000 | 6.87% | 67% | 0% |
| 60 | American Financial Resources LLC | 6 | $900,000 | $150,000 | 6.35% | 0% | 0% |
| 61 | CHESSIE FEDERAL CREDIT UNION | 6 | $740,000 | $123,333 | 6.5% | 0% | 0% |
| 62 | NATIONS LENDING CORPORATION | 6 | $1.1M | $188,333 | 6.31% | 0% | 0% |
| 63 | PNC BANK N.A. | 6 | $980,000 | $163,333 | 5.87% | 22% | 0% |
| 64 | Village Capital & Investment | 5 | $985,000 | $197,000 | 6.15% | 11% | 0% |
| 65 | PARAMOUNT RESIDENTIAL MORTGAGE | 4 | $630,000 | $157,500 | 7.28% | 0% | 0% |
| 66 | Cornerstone First Mortgage, LLC | 4 | $370,000 | $92,500 | 7.71% | 17% | 0% |
| 67 | Pioneer Appalachia Federal Credit Union | 4 | $310,000 | $77,500 | n/a | 0% | n/a |
| 68 | FREEDOM MORTGAGE CORPORATION | 4 | $690,000 | $172,500 | 6.09% | 23% | 0% |
| 69 | Huntington Federal Savings Bank | 4 | $440,000 | $110,000 | n/a | 0% | n/a |
| 70 | Celco Community Federal Credit Union | 4 | $400,000 | $100,000 | 7.69% | 0% | 0% |
| 71 | Community Bank of Parkersburg | 4 | $450,000 | $112,500 | n/a | 17% | n/a |
| 72 | FIRST UNITED BANK & TRUST | 4 | $850,000 | $212,500 | n/a | 0% | n/a |
| 73 | New Peoples Bank, Inc | 4 | $780,000 | $195,000 | 7.11% | 0% | 0% |
| 74 | LOWER, LLC | 3 | $715,000 | $238,333 | 6.92% | 0% | 0% |
| 75 | MCNB Bank and Trust Co | 3 | $195,000 | $65,000 | n/a | 0% | n/a |
| 76 | WEST VIRGINIA FEDERAL CREDIT UNION | 3 | $165,000 | $55,000 | 5.49% | 25% | 0% |
| 77 | Carter Bank and Trust | 3 | $5.2M | $1,725,000 | 6.67% | 0% | n/a |
| 78 | GUILD MORTGAGE COMPANY | 3 | $685,000 | $228,333 | 6.92% | 0% | 0% |
| 79 | Farm Credit of the Virginias, ACA | 3 | $455,000 | $151,667 | 8.33% | 38% | 0% |
| 80 | Consumer Real Estate Finance Co DBA Society Mortgage | 3 | $415,000 | $138,333 | 7.08% | 40% | 0% |
| 81 | POTOMAC BANK | 3 | $1.4M | $471,667 | n/a | 0% | n/a |
| 82 | FIRST PEOPLES CFCU | 3 | $225,000 | $75,000 | 6.58% | 0% | 33% |
| 83 | American Pacific Mortgage Corporation | 3 | $645,000 | $215,000 | 6.83% | 17% | 0% |
| 84 | WATERSTONE MORTGAGE CORPORATION | 3 | $625,000 | $208,333 | 6.54% | 13% | 0% |
| 85 | TIDEWATER MORTGAGE SERVICES, INC | 3 | $675,000 | $225,000 | 6.54% | 0% | 0% |
| 86 | TOWNE MORTGAGE COMPANY | 3 | $525,000 | $175,000 | 6.79% | 0% | 0% |
| 87 | CITIZENS BANK OF KENTUCKY, INC. | 3 | $1.0M | $335,000 | n/a | 0% | n/a |
| 88 | THE FEDERAL SAVINGS BANK | 2 | $390,000 | $195,000 | 6.75% | 0% | 0% |
| 89 | A&D MORTGAGE LLC | 2 | $310,000 | $155,000 | 7.18% | 50% | 100% |
| 90 | The Farmers Bank & Savings Com | 2 | $40,000 | $20,000 | 12.75% | 0% | 100% |
| 91 | CNB BANK INC. | 2 | $280,000 | $140,000 | n/a | 33% | n/a |
| 92 | Universal Federal Credit Union | 2 | $130,000 | $65,000 | n/a | 0% | n/a |
| 93 | PLANET HOME LENDING, LLC | 2 | $420,000 | $210,000 | 6.31% | 33% | 0% |
| 94 | FIRST COLONY MORTGAGE CORPORAT | 2 | $360,000 | $180,000 | 6.38% | 0% | 0% |
| 95 | COMMUNITY BANK | 2 | $230,000 | $115,000 | 6.43% | 33% | 0% |
| 96 | AMERICAN FINANCING CORPORATION | 2 | $350,000 | $175,000 | 6.56% | 63% | 0% |
| 97 | Five Star Bank | 2 | $4.3M | $2,140,000 | n/a | 0% | n/a |
| 98 | Patriot FCU | 2 | $80,000 | $40,000 | 5.74% | 60% | 0% |
| 99 | Nationstar Mortgage | 2 | $320,000 | $160,000 | 4.81% | 33% | 0% |
| 100 | UNITED BANK VA | 2 | $170,000 | $85,000 | 6.49% | 75% | 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.