21st Mortgage Corporation

21st Mortgage Corporation is a Knoxville, Tennessee lender that originates and services manufactured and mobile home loans. It takes business from manufactured home retailers and mortgage brokers and directly from consumers, and it underwrites and services the loans in-house rather than selling them on.

Loan programs include home only, land home, land only, land-in-lieu of down payment, refinancing, and financing on homes 21st has repossessed. Financeable home types run from single- and multi-section manufactured homes to modular homes, park model homes, and HUD manufactured home duplexes. The company finances primary residences, second homes, investment property, and buy-to-rent homes, placed on private land, leased private land, in a mobile home park or community, or on tribal land.

The company opened in 1995 with a staff of four and says it now has more than 1,000 team members. Clayton Homes acquired it in December 2003. It lends in 46 states and the District of Columbia, operates under NMLS #2280, and runs a separate 21st Insurance Agency for home, auto, and other coverage. A mobile home community lending desk is reachable on 800-955-0021 ext. 2902.

Rates, credit guidelines, minimum loan amounts, and closing fees are not published; the site's FAQ sends those questions to the lender. Community owners and retailers should confirm current program terms and whether a given state is one of the 46 served before quoting a buyer.