Manufactured Home Mortgage

What Manufactured Home Mortgage does

Manufactured Home Mortgage is a private California-based mortgage lender that specializes exclusively in financing mobile and manufactured homes. Founded circa 2005 and headquartered in Napa, the company operates under NMLS License 254890 and California DRE License 01348003, doing business as mhmloan.com and mobilehomeloans.com. It serves California consumers across multiple property configurations, including chattel loans for in-park mobile homes (up to 95% financing, 5-25 year terms), loans for manufactured homes placed on owned land (no foundation or PMI required, 10-30 year terms), and loans for mobile homes in condo/PUD communities (up to 95% financing, 10-23 year terms). The company also offers rate/term and cash-out refinance products across these loan types.

The firm operates a direct-to-consumer model supplemented by a Broker Partner Program for independent California mortgage brokers. Its technology stack is lightweight and primarily third-party: Floify powers the online loan application, VonK Digital provides website services, and the pre-qualification process is a 24-step rules-based questionnaire rather than an automated underwriting system. Lead generation relies on organic SEO via an active blog, paid digital channels including Google Ads, Facebook remarketing, and NextRoll/AdRoll, and email marketing. Customer segments include in-park and on-land manufactured home buyers, first-time homebuyers, and veterans seeking VA loan programs, with the company leveraging FHA, VA, USDA, and Fannie Mae MH Advantage channels. Revenue is generated through transaction-based mortgage origination fees, with pricing not publicly disclosed and rates described as competitive within the niche.

The company has approximately 11-50 employees, has operated for roughly 20 years, and remains a single-state, specialist lender without disclosed parent, investor, or acquisition activity.

Name

Manufactured Home Mortgage

Legal name

Manufactured Home Mortgage

Website

https://mhmloan.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

Manufactured Home Mortgage is a California-only mortgage lender specializing in mobile and manufactured home financing, offering chattel, on-land, condo/PUD, and refinance loans through direct-to-consumer and broker channels to individual homebuyers statewide.

Ownership category

akta.pro rank

Product category

Mobile and Manufactured Home Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

akta.pro primary industry

Manufactured / Mobile Home Mortgage Origination (FSALAAAK)

akta.pro secondary industries

Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI), First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG)

Keywords

• Manufactured home loans
• Chattel mortgage lending
• Mobile home financing
• Manufactured housing finance
• California mortgage lending

Headquarters

HQ city

Redwood City

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Mortgage Origination Fees: The company generates revenue through mortgage origination fees charged on manufactured home loans. They offer various loan products including in-park mobile home loans (Chattel), manufactured home on-land loans, and condo/PUD mobile home loans with competitive interest rates.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Manufactured Home Mortgage is a California-based mortgage lender that specializes exclusively in financing for mobile and manufactured homes located in parks, on owned land, and within condo/PUD communities. The company originates purchase and refinance loans including chattel loans, on-land loans, and government-backed programs (FHA, VA, USDA, Fannie Mae MH Advantage), supported by online application, pre-qualification, and direct lender consultation.

Product overview

Manufactured Home Mortgage operates as a specialized California mortgage lender offering a focused portfolio of mobile and manufactured home financing solutions. The company provides three core loan products differentiated by property type: In Park Mobile Home (Chattel) loans for homes in manufactured housing communities, Manufactured Home On Land loans for homes on owned property, and Condo/PUD Mobile Home loans for planned communities. All products support both purchase and refinance transactions with various rate and term options. The company supplements its lending products with mortgage pre-qualification services, an online mortgage calculator, digital loan application capabilities, and a broker partner program. The company holds NMLS license 254890 and California DRE license 01348003, operating as a DBA of mobilehomeloans.com from its Napa, California headquarters.

Differentiator

Problem solved

Functional benefit

Products and services

• In-Park Mobile Home (Chattel) Loan

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core.

• FHA (Federal Housing Administration)coreOthersThe FHA offers programs specifically for manufactured housing including Title I (for attached or unattached manufactured homes) and Title II (requires permanent attachment to land and taxation as real estate). These government-backed programs provide financing options for borrowers who may not qualify through private lending.
• VA (Department of Veterans Affairs)coreOthersThe VA offers affordable manufactured home loan programs with reasonable terms for eligible veterans and service members, including potential $0 down payment options.
• USDA (United States Department of Agriculture)coreOthersThe USDA offers manufactured home loan programs for low-income Americans in eligible rural areas with favorable terms.
• Fannie MaecoreOthersFannie Mae offers MH Advantage home loan program for manufactured homes with down payments as low as 3%, no income limits, credit scores as low as 620, and LTVs up to 97% for fixed-rate mortgages. Government-sponsored enterprise that provides liquidity to the housing market by buying mortgages from lenders.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Rocket Mortgage: The largest U.S. retail mortgage originator with broad product coverage including manufactured home loan offerings. Comparable as a D2C and broker-channel competitor with deeper funding access and substantially greater scale.
• loanDepot: Large multi-channel mortgage lender offering conventional, FHA, VA, and manufactured home products. Overlaps with Manufactured Home Mortgage in D2C and partner-channel distribution, though manufactured housing is not its core focus.
• Credit Human: Texas-based credit union with an established manufactured housing lending program. Comparable in offering chattel and land-home financing products, though operating primarily in a different geography.

Others

• CalHFA (California Housing Finance Agency): California's state housing finance agency providing down payment assistance and first-time homebuyer programs. Indirect peer and potential ecosystem partner; CalHFA's programs shape the demand environment in which Manufactured Home Mortgage originates.

Direct peers

• Cascade Financial Services: Specialist in chattel and mortgage financing for manufactured homes, including land-home packages. Direct peer given identical product positioning around manufactured housing finance.
• Countryplace Mortgage: A Berkshire Hathaway-affiliated manufactured home mortgage lender serving residents of manufactured housing communities. Closely comparable chattel and real-property loan products with a community-park go-to-market orientation.
• 21st Mortgage Corporation: A Berkshire Hathaway-owned manufactured home mortgage specialist offering chattel and real property financing nationwide. Highly comparable to Manufactured Home Mortgage in product set (in-park, on-land, condo/PUD) and target customer, but operates at materially greater scale and geographic breadth.
• Vanderbilt Mortgage and Finance: Specialized manufactured housing lender offering chattel and mortgage financing for homes in parks and on owned land. Direct competitor in the same niche with similar product structure (purchase and refinance across multiple home configurations).
• Triad Financial Services: Manufactured housing lender providing chattel and real estate mortgage products to buyers and dealers. Comparable to Manufactured Home Mortgage in its focus on the manufactured housing finance niche and dealer/retail origination channels.

Regional players

• JVM Lending: California-based mortgage broker/lender with a strong direct-to-consumer presence and broad product set including conventional, FHA, VA, and jumbo loans. Comparable as a California-focused D2C mortgage brand, though not specialized in manufactured housing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights6 records

Customer concentration

• Xx.com/mhmloan

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Manufactured Home Mortgage