Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › TD Bank
TD Bank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
21
-27.6% vs 2024Originations
$5.3M
Loans x average loanAverage loan
$253,095
Average interest rate
6.74%
Denial rate
56%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 93 | 21 | $5.3M | $253,095 | 6.74% | 56% | 0% |
| 2024 | 90 | 29 | $5.5M | $189,483 | 6.79% | 51% | 4% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| FL | 9 | $1.3M | $148,333 | 6.74% | 44% | 0% |
| ME | 5 | $815,000 | $163,000 | 7.1% | 43% | 0% |
| SC | 4 | $670,000 | $167,500 | 6.59% | 46% | 0% |
| NH | 2 | $2.4M | $1,220,000 | 6.31% | 75% | 0% |
| NC | 1 | $55,000 | $55,000 | 6.5% | 60% | 0% |
Data source: Home Mortgage Disclosure Act (HMDA). Public annual data from the FFIEC and CFPB, loans reported with a manufactured home construction method. Informational only, not a recommendation of any lender.