ROC USA
ROC USA is a Concord, NH-based nonprofit founded in 2008 that helps manufactured home community residents collectively purchase their communities as cooperatives, serving over 24,000 homeowners across 356 communities in 22 states through an integrated model of financing, technical assistance, and policy advocacy.
- Company typePrivate
- Founded2008
- HeadquartersConcord, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What ROC USA does
ROC USA is a Concord, New Hampshire-based nonprofit founded in 2008 that helps manufactured home community residents collectively purchase and democratically govern their communities as resident-owned cooperatives (ROCs). Since inception, the organization reports facilitating purchases across 356 communities in 22 states, securing housing stability for more than 24,000 homeowner households. The organization works through an integrated ecosystem comprising ROC USA Capital (a wholly-owned financing subsidiary providing mission-driven acquisition and infrastructure loans), ROCKET (an online bilingual, IACET-accredited leadership training platform), the ROC Association (a member network of 300+ communities), Better Together Grants (small capital improvement grants up to $2,000 per community), and a network of certified technical assistance providers and regional affiliates.
The core technology is administrative rather than software-native: ROC USA operates standardized purchase processes, governance playbooks, and the ROCKET training curriculum, but the primary value driver is human-led technical assistance combined with capital deployment. The organization does not generate revenue from product sales or fees to homeowners; instead, operating capacity is funded through federal grants (notably HUD's PRICE program), philanthropic capital from institutions such as JPMorganChase, state program funding (e.g., Colorado DOLA's MHPREP), and returns from mission-driven lending through ROC USA Capital. Cambridge Savings Bank has also provided multiple loan facilities ($4M in 2021, $3.3M in 2021, $6M in 2023) to support acquisition financing.
ROC USA serves three primary constituencies: low- and moderate-income manufactured home community residents facing rent increases and displacement risk, community owners seeking ethical sales processes, and state and federal government agencies pursuing affordable housing preservation. Its go-to-market is community-led and partner-driven, relying on direct field outreach, certified TA providers, network affiliates (NeighborWorks Montana, Cooperative Development Institute, Thistle), and active federal and state policy advocacy. Headcount sits at 11-50 employees, anchored by President and CEO Emily Thaden, with senior leadership spanning finance, operations, policy, and field roles.
ROC USA firmographics
Firmographics- Name
- ROC USA
- Legal name
- ROC USA
- Website
- https://rocusa.org
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- ROC USA is a Concord, NH-based nonprofit founded in 2008 that helps manufactured home community residents collectively purchase their communities as cooperatives, serving over 24,000 homeowners across 356 communities in 22 states through an integrated model of financing, technical assistance, and policy advocacy.
- Ownership category
- akta.pro rank
ROC USA industry classification
Industry- Product category
- Affordable Housing Cooperative Development
- NAICS
- Other Similar Organizations (except Business, Professional, Labor, and Political Organizations) (81399), Civic and Social Organizations (813410)
- SIC
- Services-To Dwellings & Other Buildings (7340), Federal & Federally-Sponsored Credit Agencies (6111)
- akta.pro primary industry
- Association Compliance, Governance & Board Support Services (BPAJAHAN)
- akta.pro secondary industries
- Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination (FSALAAAM), State & Local Housing Finance Agencies (HFAs) (FSALAKAA)
Keywords
Where ROC USA is headquartered
LocationHeadquarters
- HQ city
- Concord
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
ROC USA business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Grant Funding: ROC USA receives grant funding from government programs like HUD's PRICE (Preservation and Reinvestment Initiative for Community Enhancement) and state housing programs to support community purchases and infrastructure improvements.
- Philanthropic Capital: The organization receives philanthropic donations and grants from financial institutions and foundations to support resident ownership initiatives.
- Technical Assistance Services: ROC USA provides technical assistance to Resident Owned Communities through certified TA providers, supporting governance, business practices, and community operations.
Go-to-market motion1 record
Distribution channels4 records
Marketing channels8 records
ROC USA product offering
Product offeringCore offering
ROC USA facilitates the conversion of investor-owned manufactured home communities into resident-owned cooperatives by combining mission-driven financing (through its subsidiary ROC USA Capital) with integrated technical assistance, governance training (ROCKET platform), and ongoing community support. Since 2008, the organization has helped more than 24,000 homeowners across 22 states purchase 356 manufactured home communities, providing democratic cooperative governance and housing stability.
Product overview
ROC USA operates as a nonprofit organization offering a unified model combining financing and technical assistance to transform investor-owned manufactured home communities into resident-owned cooperatives. The core offerings include ROC USA Capital for mission-driven loans, ROC USA's technical assistance services, and ROCKET (ROC Knowledge, Education and Training) for leadership development. Supporting programs include Better Together Grants for community improvements and the ROC Association for member engagement. Since 2008, ROC USA's integrated approach has helped more than 24,000 homeowners across 356 communities in 22 states purchase their manufactured home communities.
Differentiator
Problem solved
Functional benefit
Products and services
- Resident Ownership Technical Assistance Integrated technical assistance program that helps manufactured home community residents organize, purchase, and democratically govern their communities as resident-owned cooperatives (ROCs). Includes pre-purchase feasibility, community organizing, cooperative formation, and ongoing governance support.
- ROC USA Capital Mission-Driven Loans Financing subsidiary of ROC USA that provides mission-driven loans to support resident purchases of manufactured home communities and infrastructure improvements. Operates a $47 million National Acquisition Loan Pool announced in July 2025.
- ROCKET Training Platform Bilingual, IACET-accredited online Knowledge, Education and Training platform for ROC members supporting leadership development, governance training, and enrichment activities for resident-owned community boards.
Quantifiable outcome
- Site fees in ROCs increase at just a fraction of the rate of investor-owned communities – less than 1% a year on average
- +3 more outcomes
Companies that use ROC USA
Customer profileNamed customers6 records
Segments3 records
Ideal customer profiles3 records
ROC USA technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
ROC USA partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and major.
- ROC USA CapitalcoreROC USA Capital is the financing subsidiary of ROC USA that provides mission-driven loans to support resident purchases of manufactured home communities.
- ROC AssociationcoreROC Association brings together Member ROCs to help and celebrate one another monthly, providing governance support and community networking.
- NeighborWorks MontanamajorNeighborWorks Montana provides ROC program specialist support and technical assistance to communities across Montana.
- Cooperative Development Institute (CDI)majorCDI works with ROC USA as a network affiliate, providing cooperative development support including helping Cedar Falls become Maine's 12th ROC.
- Thistle (Community Housing Organization)majorThistle works alongside ROC USA to support Colorado communities including Meadowood Cooperative's $18+ million purchase and Evergreen Community Park.
- Network Affiliates (Certified TA Providers)coreROC USA works with a network of certified technical assistance providers who support communities through the ROC process and ongoing operations.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
ROC USA competitors and assessment
Company assessmentDirect peers
- Impact Development Fund: Colorado-based CDFI administering Mobile Home Park Resident Empowerment Program (MHPREP) loans alongside ROC USA. Direct peer in the manufactured-housing resident-ownership financing space, particularly in Colorado.
- New Hampshire Community Loan Fund: New Hampshire-based CDFI founded by Paul Bradley (ROC USA's founder) that pioneered the resident-owned community and home-only loan models. Most direct peer to ROC USA in mission, model, and target customer base, including manufactured-housing resident ownership.
- Genesis Community Loan Fund: New Hampshire-based CDFI providing financing for resident-owned manufactured home communities and other affordable housing. Direct peer as a co-funder of recent ROC transactions (e.g., Cedar Falls in Maine) operating in the same mission-driven manufactured-housing lending space as ROC USA Capital.
- Cooperative Development Institute (CDI): Regional cooperative development organization serving New England that provides cooperative formation and technical assistance, including for resident-owned manufactured home communities. Direct peer as a ROC USA network affiliate performing cooperative-development work on the ground.
Regional players
- Thistle Community Housing: Colorado-based community housing organization and ROC USA network affiliate supporting resident purchases of manufactured home communities such as Meadowood Cooperative. Comparable as a regional operator delivering cooperative-ownership TA in a specific state.
Others
- Prosperity Now: National nonprofit focused on economic opportunity and asset-building for low-income households, including manufactured-housing advocacy. Adjacent peer — Doug Ryan of Prosperity Now sits on ROC USA's board, and the organizations share policy and advocacy interests.
Broad incumbents
- Fannie Mae: Government-sponsored enterprise providing liquidity to the U.S. mortgage market; ROC USA has received unprecedented Fannie Mae approval for home-only loans in New Hampshire co-ops. Comparable as an affordable-housing financing counterparty and broader housing-finance ecosystem participant.
- NeighborWorks America: National nonprofit housing network supporting affordable housing through a federation of local NeighborWorks organizations. Comparable to ROC USA as a mission-driven nonprofit providing technical assistance and financing for resident/community ownership of affordable housing, including manufactured housing through affiliates like NeighborWorks Montana.
- Local Initiatives Support Corporation (LISC): Large national CDFI supporting community development affordable housing and small business financing across the U.S. Comparable to ROC USA as a mission-driven community-development finance organization; ROC USA Capital's new Deputy Director Asha Rao joined from LISC Bay Area.
Emerging players
- Next Step Network: Nonprofit collaborative of high-performing affordable-housing developers and practitioners focused on expanding affordable homeownership. Comparable peer as a coalition partner on the State Policy Playbook with ROC USA and on affordable-housing preservation policy.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
ROC USA social profiles
Digital presenceROC USA financial estimates
Financial estimateRevenue estimate
Valuation estimate
ROC USA leadership team
Management profileNumber of profiles
Profiles9 records
ROC USA subsidiaries and ownership
Company hierarchySubsidiaries1 record
ROC USA funding detail
Funding detailFunding overview
Funding rounds5 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ROC USA M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ROC USA
What does ROC USA do?
ROC USA facilitates the conversion of investor-owned manufactured home communities into resident-owned cooperatives by combining mission-driven financing (through its subsidiary ROC USA Capital) with integrated technical assistance, governance training (ROCKET platform), and ongoing community support. Since 2008, the organization has helped more than 24,000 homeowners across 22 states purchase 356 manufactured home communities, providing democratic cooperative governance and housing stability.
Is ROC USA a public or private company?
ROC USA is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was ROC USA founded?
ROC USA was founded in 2008. It employs 11 to 50 people.
Where is ROC USA based?
ROC USA is headquartered in Concord, United States, in the North America region.
How does ROC USA make money?
Three revenue lines are on record. Grant Funding is the primary driver. The others are philanthropic Capital and technical Assistance Services.
Who are ROC USA's main competitors?
Direct peers on record are Impact Development Fund, New Hampshire Community Loan Fund, Genesis Community Loan Fund and Cooperative Development Institute (CDI). Thistle Community Housing is listed as a regional player. Prosperity Now is listed as an others. Broad incumbents are Fannie Mae, NeighborWorks America and Local Initiatives Support Corporation (LISC). Next Step Network is listed as an emerging player.
Does ROC USA have an API?
No public API is recorded for ROC USA.
What industry is ROC USA in?
ROC USA's product category is Affordable Housing Cooperative Development. Its primary akta.pro industry code is BPAJAHAN, Association Compliance, Governance & Board Support Services, with a secondary code of FSALAAAM, Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination. Its NAICS code is 81399 and its SIC code is 7340.