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)
821
+18.8% vs 2024Originations
$146.8M
-6.5% vs 2024Average loan
$178,849
97 lendersAverage interest rate
7.15%
Denial rate
33%
Home only share
36%
Loans originated by year in WY
Top manufactured home lenders in WY
Select a column heading to re-rank. Select a lender to analyze it. Originations are inferred as loans times average loan. Showing the 97 largest lenders.
| # | |||||||
|---|---|---|---|---|---|---|---|
| 1 | TRIAD FINANCIAL SERVICES, INC. | 117 | $7.3M | $62,436 | 7.55% | 45% | 97% |
| 2 | United Wholesale Mortgage | 67 | $18.6M | $277,090 | 6.04% | 16% | 0% |
| 3 | 21ST MORTGAGE | 53 | $5.8M | $109,906 | 10.29% | 50% | 98% |
| 4 | ANB Bank | 49 | $4.0M | $81,327 | 6.1% | 10% | 71% |
| 5 | Gold Star Mortgage Financial Group, Corporation | 46 | $8.3M | $179,348 | 6.4% | 0% | 100% |
| 6 | FAIRWAY INDEPENDENT MORT CORP | 44 | $10.3M | $234,318 | 6.73% | 2% | 0% |
| 7 | GUILD MORTGAGE COMPANY | 42 | $8.8M | $208,810 | 6.41% | 11% | 0% |
| 8 | ROCKET MORTGAGE | 36 | $8.2M | $227,500 | 6.28% | 41% | 0% |
| 9 | Pinnacle Bank - Wyoming | 26 | $3.5M | $132,692 | n/a | 16% | n/a |
| 10 | First Interstate Bank | 24 | $2.7M | $114,167 | 7.8% | 31% | 9% |
| 11 | Glacier Bank | 17 | $3.4M | $200,294 | 7.83% | 43% | 13% |
| 12 | VANDERBILT MORTGAGE AND FINANCE, INC | 15 | $2.4M | $163,000 | 10.31% | 45% | 79% |
| 13 | Mortgage Research Center | 14 | $4.4M | $312,143 | 6.43% | 21% | 0% |
| 14 | Jonah Bank of Wyoming | 13 | $3.6M | $276,538 | 6.47% | 7% | 8% |
| 15 | American Pacific Mortgage Corporation | 12 | $2.9M | $240,833 | 6.48% | 21% | 0% |
| 16 | Platte Valley Bank | 11 | $1.3M | $117,727 | n/a | 0% | n/a |
| 17 | UNIWYO FEDERAL CREDIT UNION | 11 | $1.0M | $92,273 | 7.9% | 31% | 9% |
| 18 | WyHy Federal Credit Union | 10 | $1.4M | $137,000 | 8.15% | 13% | 0% |
| 19 | NEWREZ LLC | 10 | $3.0M | $296,000 | 5.65% | 11% | 0% |
| 20 | Plains Commerce Bank | 8 | $2.4M | $293,750 | 6.66% | 6% | 0% |
| 21 | FIRST WESTERN TRUST BANK | 8 | $1.9M | $233,750 | 6.16% | 0% | 0% |
| 22 | CROSSCOUNTRY MORTGAGE, LLC | 8 | $2.2M | $270,000 | 6.23% | 8% | 0% |
| 23 | Kind Lending, LLC | 8 | $2.5M | $306,250 | 6.47% | 33% | 0% |
| 24 | BANKWEST, INC. | 7 | $675,000 | $96,429 | 8.6% | 29% | 86% |
| 25 | UNION HOME MORTGAGE CORP. | 7 | $2.2M | $320,714 | 6.43% | 0% | 0% |
| 26 | FREEDOM MORTGAGE CORPORATION | 7 | $1.5M | $213,571 | 6.18% | 28% | 0% |
| 27 | NEW AMERICAN FUNDING, LLC. | 6 | $980,000 | $163,333 | 6.9% | 6% | 0% |
| 28 | GUARANTEED RATE, INC. | 6 | $1.8M | $305,000 | 6.72% | 0% | 0% |
| 29 | PLAZA HOME MORTGAGE, INC | 6 | $1.2M | $193,333 | 7.48% | 25% | 0% |
| 30 | Mutual of Omaha Mortgage | 5 | $995,000 | $199,000 | 6.75% | 30% | 0% |
| 31 | PENNYMAC LOAN SERVICES LLC | 5 | $1.5M | $303,000 | 6.22% | 25% | 0% |
| 32 | Equity Prime Mortgage LLC | 5 | $1.2M | $247,000 | 6.3% | 0% | 0% |
| 33 | Carrington Mortgage Services LLC | 5 | $1.0M | $203,000 | 6.95% | 11% | 0% |
| 34 | loanDepot.com LLC | 5 | $1.2M | $233,000 | 6.07% | 25% | 0% |
| 35 | Meridian Trust Federal Credit Union | 4 | $410,000 | $102,500 | 7% | 40% | 0% |
| 36 | FARM CREDIT MID-AMERICA, ACA | 4 | $1.6M | $407,500 | 6.75% | 0% | 0% |
| 37 | US BANK, N.A. | 4 | $880,000 | $220,000 | 7.52% | 69% | 0% |
| 38 | PLANET HOME LENDING, LLC | 3 | $315,000 | $105,000 | 8.71% | 0% | 0% |
| 39 | BMO Harris Bank NA | 3 | $345,000 | $115,000 | 8.87% | 33% | 0% |
| 40 | GENEVA FINANCIAL LLC | 3 | $445,000 | $148,333 | 6.19% | 0% | 0% |
| 41 | SOUTHWEST STAGE FUNDING LLC | 3 | $565,000 | $188,333 | 6.83% | 17% | 67% |
| 42 | HIGHMARK FEDERAL CREDIT UNION | 3 | $355,000 | $118,333 | n/a | 0% | n/a |
| 43 | American Neighborhood Mortgage Acceptance Company | 3 | $745,000 | $248,333 | 6.62% | 0% | 0% |
| 44 | WALLICK AND VOLK, INC. | 3 | $595,000 | $198,333 | 6.88% | 0% | 0% |
| 45 | Hilltop National Bank | 3 | $665,000 | $221,667 | n/a | 0% | n/a |
| 46 | Credit Human Federal Credit Un | 3 | $195,000 | $65,000 | 8.53% | 64% | 67% |
| 47 | SECURITYNATIONAL MORTGAGE COMPANY | 3 | $825,000 | $275,000 | 7.41% | 0% | 0% |
| 48 | FIRST NATIONAL BANK OF OMAHA | 3 | $605,000 | $201,667 | 7.78% | 0% | 33% |
| 49 | FINANCE OF AMERICA REVERSE LLC | 2 | $180,000 | $90,000 | 6.61% | 20% | 0% |
| 50 | AMERICAN FINANCING CORPORATION | 2 | $620,000 | $310,000 | 5.88% | 43% | 0% |
| 51 | FIRST EDUCATION FEDERAL CREDIT UNION | 2 | $330,000 | $165,000 | 6.25% | 0% | n/a |
| 52 | Mortgage Solutions of Colorado | 2 | $400,000 | $200,000 | 7.75% | 0% | 0% |
| 53 | Wyoming Bank & Trust | 2 | $270,000 | $135,000 | n/a | 0% | n/a |
| 54 | Centennial Lending, LLC | 2 | $390,000 | $195,000 | 6.88% | 55% | 0% |
| 55 | Performance Equity Partners, Inc. | 2 | $140,000 | $70,000 | 12.15% | 68% | 100% |
| 56 | Granite Bank | 2 | $450,000 | $225,000 | 6.69% | 0% | 0% |
| 57 | FirsTier Bank | 2 | $40,000 | $20,000 | n/a | 0% | n/a |
| 58 | Click n' Close, Inc. | 2 | $270,000 | $135,000 | 6.75% | 0% | 0% |
| 59 | Village Capital & Investment | 2 | $500,000 | $250,000 | 5.75% | 50% | 0% |
| 60 | CMG MORTGAGE INC | 2 | $690,000 | $345,000 | 6.87% | 33% | 0% |
| 61 | Intercap Lending Inc | 2 | $430,000 | $215,000 | 6.75% | 0% | 0% |
| 62 | Advantage Plus FCU | 2 | $830,000 | $415,000 | 6.5% | 33% | 0% |
| 63 | Navy Federal Credit Union | 1 | $385,000 | $385,000 | 6.25% | 33% | 0% |
| 64 | MortgageOne, Inc | 1 | $345,000 | $345,000 | 6.75% | 33% | 0% |
| 65 | American Financial Resources LLC | 1 | $215,000 | $215,000 | 6.25% | 0% | 0% |
| 66 | Utah Mortgage Loan Corporation | 1 | $225,000 | $225,000 | 6.5% | 0% | 0% |
| 67 | Central Bank & Trust | 1 | $175,000 | $175,000 | n/a | 0% | n/a |
| 68 | SUN WEST MORTGAGE COMPANY, INC | 1 | $285,000 | $285,000 | 5.49% | 75% | 0% |
| 69 | NBH Bank | 1 | $25,000 | $25,000 | 7.22% | 50% | 0% |
| 70 | BoxCar Mortgage, LLC | 1 | $395,000 | $395,000 | 6.88% | 0% | 0% |
| 71 | TJC MORTGAGE INC | 1 | $375,000 | $375,000 | 5.75% | 0% | 0% |
| 72 | PRIMELENDING | 1 | $345,000 | $345,000 | 6.99% | 0% | 0% |
| 73 | Veritas Funding, LLC | 1 | $185,000 | $185,000 | 6.13% | 33% | 0% |
| 74 | CAPITAL CREDIT UNION | 1 | $325,000 | $325,000 | 6.5% | 0% | 0% |
| 75 | PHH Mortgage Corporation | 1 | $305,000 | $305,000 | 5.99% | 0% | 0% |
| 76 | PARAMOUNT RESIDENTIAL MORTGAGE | 1 | $255,000 | $255,000 | 7.13% | 0% | 0% |
| 77 | WESTERN VISTA FEDERAL CREDIT U | 1 | $45,000 | $45,000 | 5.81% | 50% | 100% |
| 78 | Waterman Bank | 1 | $505,000 | $505,000 | n/a | 0% | n/a |
| 79 | Blue Federal Credit Union | 1 | $255,000 | $255,000 | 6.38% | 0% | 0% |
| 80 | AMERISAVE MORTGAGE COMPANY | 1 | $185,000 | $185,000 | 7.25% | 85% | 0% |
| 81 | GTE FEDERAL CREDIT UNION | 1 | $55,000 | $55,000 | 10.5% | 0% | 0% |
| 82 | ORIGINPOINT, LLC | 1 | $265,000 | $265,000 | 7.13% | 0% | 0% |
| 83 | WATERSTONE MORTGAGE CORPORATION | 1 | $205,000 | $205,000 | 6.25% | 25% | 0% |
| 84 | Reliance First Capital, LLC | 1 | $95,000 | $95,000 | 6.25% | 0% | 0% |
| 85 | MOVEMENT MORTGAGE, LLC | 1 | $435,000 | $435,000 | 6.38% | 0% | 0% |
| 86 | CORNERSTONE CAPITAL BANK, SSB | 1 | $295,000 | $295,000 | 6.63% | 0% | 0% |
| 87 | Flanagan State Bank | 1 | $255,000 | $255,000 | 7.63% | 67% | 0% |
| 88 | Shoreham Bank | 1 | $25,000 | $25,000 | 9.95% | 0% | 0% |
| 89 | AMERICAN FINANCIAL NETWORK, INC. | 1 | $375,000 | $375,000 | 6.75% | 0% | 0% |
| 90 | BLACK HILLS FEDERAL CREDIT UNION | 1 | $55,000 | $55,000 | 8.54% | 0% | 100% |
| 91 | MOUNTAIN AMERICA FEDERAL CREDIT UNION | 1 | $45,000 | $45,000 | 8% | 50% | 0% |
| 92 | LONGBRIDGE FINANCIAL, LLC | 1 | $135,000 | $135,000 | 5.88% | 0% | 0% |
| 93 | Primary Residential Mortgage, INC. | 1 | $235,000 | $235,000 | 6.63% | 0% | 0% |
| 94 | Oceanside Mortgage Company | 1 | $155,000 | $155,000 | 6.38% | 0% | 0% |
| 95 | BAY EQUITY LLC | 1 | $235,000 | $235,000 | 6.49% | 0% | 0% |
| 96 | Synergy One Lending, Inc. | 1 | $345,000 | $345,000 | 6.75% | 0% | 0% |
| 97 | BANK OF COLORADO | 1 | $805,000 | $805,000 | 7% | 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.