Track the 2024 leaders in manufactured housing lending by loan count.
Key Metrics: Loan count, total loan volume, average loan amount.
2024 Rank Lender Name 2024 Loan Count (# loans) 2024 Loan Volume ($ Billion) 2024 Average Loan Amount ($) 1 21ST MORTGAGE CORPORATION 30,149 $3.43 $113,852 2 VANDERBILT MORTGAGE AND FINANCE, INC. 12,765 $1.62 $127,203 3 TRIAD FINANCIAL SERVICES, INC. 12,721 $1.25 $97,905 4 UNITED WHOLESALE MORTGAGE, LLC 8,446 $2.06 $244,346 5 ROCKET MORTGAGE, LLC 6,515 $1.16 $178,529 6 GUILD MORTGAGE COMPANY LLC 3,218 $0.67 $208,434 7 CREDIT HUMAN FEDERAL CREDIT UNION 2,500 $0.27 $108,564 8 CROSSCOUNTRY MORTGAGE, LLC 2,299 $0.51 $221,020 9 MORTGAGE RESEARCH CENTER, LLC 2,240 $0.52 $232,795 10 SOUTHWEST STAGE FUNDING, LLC 2,182 $0.38 $173,868
This ranking, from 2024 HMDA data via Polygon Vision’s HMDAVision, covers all manufactured housing originations and standardizes lender activity by loan count, volume, and average size. The data shows two lending models shaped by land ownership:
- High-volume, lower-loan amount lenders mainly finance homes on leased land, prioritizing affordability.
- Lower-volume, higher-loan amount lenders focus on MH loans with land ownership, serving a different borrower profile and commanding larger balances - typically, agency MH loans.
These insights help lenders adjust products for chattel versus real-property MH loans, while investors and policymakers gain clarity on capital flows, risk exposure, and affordability trends shaping this housing segment that is often associated with housing affordability.
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