Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › CAPITAL CITY BANK
CAPITAL CITY BANK
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
44
+18.9% vs 2024Originations
$3.0M
Loans x average loanAverage loan
$68,182
Average interest rate
7.24%
Denial rate
47%
Home only share
2%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 110 | 44 | $3.0M | $68,182 | 7.24% | 47% | 2% |
| 2024 | 103 | 37 | $3.0M | $82,297 | 7.07% | 51% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| FL | 41 | $2.9M | $70,122 | 7.19% | 50% | 0% |
| GA | 2 | $90,000 | $45,000 | 6.99% | 25% | 0% |
| AL | 1 | $35,000 | $35,000 | 10% | 0% | 100% |
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.