Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Embrace Home Loans, Inc.
Embrace Home Loans, Inc.
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
71
+12.7% vs 2024Originations
$11.8M
Loans x average loanAverage loan
$166,408
Average interest rate
6.89%
Denial rate
6%
Home only share
1%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 96 | 71 | $11.8M | $166,408 | 6.89% | 6% | 1% |
| 2024 | 91 | 63 | $11.7M | $185,794 | 6.67% | 11% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| AL | 23 | $3.1M | $133,261 | 6.77% | 8% | 0% |
| FL | 16 | $2.6M | $161,875 | 7.02% | 0% | 6% |
| TN | 15 | $2.1M | $138,333 | 6.89% | 0% | 0% |
| MD | 6 | $1.3M | $215,000 | 7.16% | 20% | 0% |
| DE | 3 | $835,000 | $278,333 | 6.79% | 0% | 0% |
| NH | 2 | $610,000 | $305,000 | 6.88% | 0% | 0% |
| WV | 1 | $265,000 | $265,000 | 6.49% | 0% | 0% |
| GA | 1 | $145,000 | $145,000 | 7.25% | 0% | 0% |
| IN | 1 | $145,000 | $145,000 | 6.63% | 0% | 0% |
| NC | 1 | $205,000 | $205,000 | 6.25% | 0% | 0% |
| SC | 1 | $305,000 | $305,000 | 7.13% | 0% | 0% |
| VA | 1 | $285,000 | $285,000 | 6.63% | 0% | 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.