Mercy Community Capital
Investing in Opportunity: Preserving Manufactured Home Communities
In 2025, Mercy Community Capital (MCC) closed a $4.5 million participation in the National Acquisition Pool led by the nonprofit Resident Owned Communities, or ROC USA. Formed in 2008, ROC USA’s mission is to make quality resident ownership possible nationwide. MCC’s investment is part of a $47 million fund used to acquire manufactured home communities through cooperative resident ownership and preserve their long-term affordability nationwide.
About 20 million people live in more than 43,000 manufactured home communities in the United States, and an estimated 25% of homeowners in these communities have annual incomes of $25,000 or less. Many residents are seniors on fixed incomes.
While manufactured home communities have long been an important source of affordable housing, institutional investors have increasingly acquired these properties and raised costs for residents, putting affordability at risk.
ROC USA works to counter this trend by providing financing and technical assistance to help residents purchase the communities where they live and preserve long-term affordability.
The National Acquisition Pool will offer long-term financing at interest rates below market, along with technical assistance from certified providers to support residents through the acquisition process and ongoing property operations.
With support from Mercy Community Capital, ROC USA works to preserve housing affordability, helping residents purchase and preserve the communities they call home. Since 2012, MCC has supported 19 communities with ROC USA.
2025 Highlights
1
In 2025, MCC surpassed $10 billion in leverage through mission-driven lending and investment to expand housing opportunities nationwide.
2
Originated 17 loans that created or preserved more than 1,600 affordable homes through acquisition, predevelopment, construction, and permanent financing.
Impact since 1983
771
loans
$639 million
loaned
$10.1 billion
leveraged
51,605
homes
124,638
residents
MCC Board of Directors
Noni Ramos (Chair)
Tom Byers
Katey Forth
Jaya Johnson
Sister Marilín Llanes, OP
Tim Martin
John Powell
Catalina Vielma
Mercy Community Capital
Since 1983, Mercy Community Capital (MCC), a certified Community Development Financial Institution (CDFI), has provided capital to socially responsible developers in support of affordable housing and essential community projects.
Thank you to our Supporters
Thank you to our donors and investors for the funds that enable local organizations to develop affordable housing in their communities. We thank our borrowers, who with these funds, strive to meet our nation’s housing challenges.
Investors
Archdiocese of Omaha
The Associated Sulpicians of the United States
Atlantic-Midwest Province Endowment Trust
Banc of America Community Development Corporation
Benedictine Convent of Perpetual Adoration
Benedictine Sisters of Covington, Kentucky
Benedictine Sisters of Mount St. Scholastica
Bon Secours Mercy Health
Yvonne J. Camacho
Capital One, National Association
Carl George Bjorkman Foundation
Carmelite Sisters of Charity
Catholic Biblical Association of America
Catholic Health Initiatives
Claretian Missionaries
Clients of Ballentine Partners
Colorado Department of Local Affairs, Division of Housing, Affordable Housing Investment Fund
Congregation of Divine Providence
Congregation of Holy Cross, Moreau Province. Inc.
Congregation of Sisters of St. Agnes
Congregation of Sisters of St. Joseph of Springfield
Congregation of St. Joseph
Congregation of the Daughters of Divine Charity
Congregation of the Passion, Holy Cross Province
Congregation of the Sisters of Charity of the Incarnate Word
Congregation of the Sisters of Mercy, US Province
Congregation of the Sisters of St. Joseph of Peace
Congregation of the Sisters, Servants of the Immaculate Heart of Mary
Conrad N. Hilton Fund for Sisters
Convent of the Sisters of St. Joseph, Chestnut Hill
Daughters of Charity Ministries
Daughters of the Holy Spirit Charitable Trust
Deutsche Bank
Dignity Health
Dominican Sisters of Mission San Jose
Dominican Sisters of Oakford
Dominican Sisters of Peace, Inc.
Dominican Sisters of San Rafael
Anne Else
Constance Etheridge
Father Judge Charitable Trust
Federal Home Loan Bank of Topeka
First National Bank of Omaha
Franciscan Friars-Province of St. John the Baptist
Franciscan Friars, T.O.R.
Franciscan Sisters of Little Falls, MN
Franciscan Sisters of Perpetual Adoration
Julie Gould
Grey Nuns of the Sacred Heart
HSBC Bank
IHC Health Services, Inc.
I.H.M. Congregation Charitable Trust
Intermountain Health
Ann Marie Judson
Julia G. Kahrl
Little Company of Mary Sisters
Maryknoll Sisters
Medical Mission Sisters
Mercy Partnership Fund
Missionary Sisters Servants of the Holy Spirit
Missionary Society of St. Paul the Apostle
Morgan Stanley Bank, N.A.
The Northern Trust Company
North American Province of the Cenacle
Occupational Training Services, Inc.
Opportunity Finance Network, Finance Justice Fund
Opportunity Finance Network, Good to Grow CDFI Investment Fund
Perrault Family Survivor Trust
Xavier and Penelope Pi-Sunyer
PNC Bank, National Association
Sandy Polishuk
Province of St. Augustine of the Capuchin Order
Providence St. Joseph Health
Redemptorists-Denver Province
Religious Communities Impact Fund, Inc.
Religious of the Assumption North American Province
Religious Sisters of Charity
Client of The Rikoon Group
Sacred Heart Monastery
School Sisters of Notre Dame of the Central Pacific Province
School Sisters of St. Francis – US Province
Servants of the Blessed Sacrament
Sisters of Bon Secours USA
Sisters of Charity of Leavenworth
Sisters of Charity of Nazareth
Sisters of Charity of New York
Sisters of Charity of the Blessed Virgin Mary
Sisters of Loretto
Sisters of Mercy of the Americas
Sisters of Mercy of the Americas Caribbean, Central America, South America Community
Sisters of Mercy of the Americas New York, Pennsylvania, Pacific West Community
Sisters of Mercy of the Americas Northeast Community
Sisters of Mercy of the Americas South Central Community
Sisters of Mercy of the Americas West Midwest Community
Sisters of Mercy of the Mid-Atlantic Community
Sisters of Notre Dame de Namur, California Province
Sisters of Notre Dame of the United States
Sisters of Notre Dame, Thousand Oaks, California
Sisters of Providence of Saint Mary-of-the-Woods
Sisters of St. Francis
Sisters of St. Francis of Dubuque
Sisters of St. Francis of the Neumann Communities
Sisters of St. Francis of Rochester, Minnesota
Sisters of St. Francis of the Immaculate Conception
Sisters of St. Francis of Tiffin, Ohio
Sisters of St. Joseph of Carondelet, Albany Province
Sisters of St. Joseph of Carondelet, Generalate
Sisters of St. Joseph of Carondelet, Los Angeles Province
Sisters of St. Joseph of Carondelet, St. Louis Province
Sisters of St. Joseph of Concordia
Sisters of St. Joseph of Orange
Sisters of St. Louis, California Region
Sisters of the Blessed Sacrament
Sisters of the Holy Cross
Sisters of the Holy Family
Sisters of the Holy Names of Jesus and Mary
Sisters of the Humility of Mary HM Alternative Loan Fund
Sisters of the Most Precious Blood
Sisters of the Order of St. Benedict
Sisters of the Order of St. Dominic, Amityville
Sisters of the Presentation of the Blessed Virgin Mary, Inc.
Sisters of the Visitation of the Immaculate Heart
Sisters Servants of the Immaculate Heart of Mary
Society of Mary
Society of the Divine Word, Chicago Province
Society of the Holy Child Jesus
Society of the Precious Blood – Cincinnati Province
Byron and Lee Stookey
Clients of the Sustainability Group, part of Loring, Wolcott & Coolidge Trust
Clients of Trillium Asset Management
Trinity Health
Ursuline Provincialate, Central Province of the United States
Ursuline Sisters of Mount St. Joseph
Ursuline Society and Academy of Education
US Bancorp Impact Finance
USDA Rural Development
Visitation Monastery of St. Louis
Wells Fargo Community Investment Holdings
Barry Zigas and Jodie Levin-Epstein
DONORS
Community Development Financial Institutions Fund of the US Treasury
Convent of the Sisters of St. Joseph, Chestnut Hill
Dominican Sisters of Oakford
Ann Marie Judson
Perrault Family Survivor Trust
Bryan Shumway
Sisters of the Most Precious Blood – St. Mary’s Institute
Trinity Health
U.S. Bank Foundation – U.S. Bank Opportunity Fund
