Applications / Mortgage Analytics / Lenders / Texas / Zippy Loans
Dallas, TX · Non-bank or government lender · CFPB · 2,547 loans in 2025
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2,547
loans originated, 2025
10,976
applications, 2025
20
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Zippy Loans is a fast-growing non-bank lender that finances only the purchase of manufactured homes, with small loans spread across 20 states.
Every one of its 2,547 loans was a conventional purchase loan on a manufactured home. Its typical loan was $45,000, against $305,000 for similar lenders (non-bank lenders making between half and twice as many loans), the smallest of the group. That is why its $114.6 million total is the lowest among them although its loan count is higher than about two-thirds.
It first reported in 2024, with 1,657 loans. In 2025 its loans rose 54%, against 18% for similar lenders and 10% for the whole market. It lends in 126 metros and 274 counties, most of all in Indiana, and entered several markets, including Traverse City and Gainesville, in 2025.
Low- and moderate-income borrowers took 80.6% of its loans, against 21.4% for similar lenders. Only 14.2% went to majority-minority neighborhoods, against 47.4%, the lowest share in the group. Both may follow from its product and the places it lends, such as rural Wisconsin.
It ranks 208 of 659 lenders around Kansas City, where its share rose to 0.1%, and holds similar small shares around Traverse City, Gainesville and Muskegon. Small loans spread across many counties leave it a minor name in each.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Zippy Loans took 10,976 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 100.0%
Conventional 100.0% · of 2,547 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Indiana | 514 | 20.2% |
| Michigan | 449 | 17.6% |
| Wisconsin | 337 | 13.2% |
| Kansas | 335 | 13.2% |
| Illinois | 282 | 11.1% |
| Texas | 174 | 6.8% |
| Florida | 129 | 5.1% |
| Missouri | 63 | 2.5% |
| Ohio | 56 | 2.2% |
| Arizona | 32 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Indianapolis-Carmel-Greenwood | 154 |
| Kansas City | 141 |
| Warren-Troy-Farmington Hills | 137 |
| St. Louis | 116 |
| Wichita | 108 |
| Fort Wayne | 66 |
| Detroit-Dearborn-Livonia | 58 |
| Jacksonville | 57 |
| Janesville-Beloit | 53 |
| Chicago-Naperville-Schaumburg | 52 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 9845001DAE89414CBB55 | 2024–2025 |
Established 12 July 2021. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Zippy Loans's data.
Zippy Loans's data
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