Your First Choice For Manufactured Home Financing

Credit Human began offering manufactured housing lending solutions to borrowers nationwide in 2002 to help meet the growing demand in the factory-built home market. 

Credit Human has its headquarters in San Antonio, Texas with loan origination offices in Seattle, Washington; Greensboro, North Carolina; and St. Albans, Vermont.

Our borrowers become members of an established and trusted financial institution

Current Loan Portfolio
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As a credit union, we are a not-for-profit company and typically have some of the most competitive rates in the industry. Buying a home can be stressful, which is why we want you to leave the worrying to us. 

Credit Human offers a variety of loan programs, so we are sure to have a loan option that fits your needs. We want to make homeownership easy to achieve because great manufactured home loans make the dream of affordable homes a reality.

The Credit Human Family is committed to providing the best possible value to our members and helping them achieve their financial goals. We reward our members with great service and financial solutions to help them achieve their goals.

Be a part of the Credit Human difference.


In 2002 the leadership at Credit Human saw an opportunity to serve its membership and other prospective home buyers across the country by offering competitive financing terms for manufactured housing. Starting with a handful of loans, two regional offices and a few long-time industry professionals, Credit Human laid the ground work for our motto of offering “Affordable Loans for Affordable Homes”.

In the years since we have done some growing. In 2004, when Chase Bank ceased its operations in manufactured home lending, Credit Human quickly acquired the staff and facilities in Seattle, Washington as well as personnel from their Houston location. This acquisition represented years of experience and expertise and was instrumental in our goals of becoming the lender of choice for those looking to refinance or purchase a manufactured home.

Seeing another opportunity to reach an even larger segment of manufactured home buyers or those looking at refinance options, Credit Human acquired Mountainside Financial in 2010, one of the leading brokers in the industry. The addition of Mountainside added origination offices in St. Albans, Vermont and Aurora, Colorado, as well as, several long-time manufactured home loan professionals dedicated to providing the highest levels of member service.

Today Credit Human is one of the nation’s strongest lenders in the manufactured housing industry. We have a full time staff of over 120 professionals in four different locations across the United States dedicated to helping you achieve the dream of home ownership. At Credit Human our goals don’t include being the biggest lender, but the one that offers the manufactured home buyer the highest level of service and the greatest value for their hard earned dollar. Our mission is to improve the financial condition of our members through education, awareness and responsible lending practices.

Credit Human team