Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › SYNERGY ONE LENDING, INC.
SYNERGY ONE LENDING, INC.
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
254
+74.0% vs 2024Originations
$62.9M
Loans x average loanAverage loan
$247,598
Average interest rate
6.76%
Denial rate
12%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 408 | 254 | $62.9M | $247,598 | 6.76% | 12% | 0% |
| 2024 | 218 | 146 | $38.0M | $260,068 | 6.73% | 11% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| OR | 54 | $16.7M | $308,704 | 6.73% | 4% | 0% |
| WA | 49 | $13.7M | $280,510 | 6.79% | 14% | 0% |
| TX | 34 | $6.6M | $193,235 | 6.76% | 16% | 0% |
| ID | 24 | $5.8M | $242,083 | 6.54% | 12% | 0% |
| LA | 20 | $2.9M | $143,500 | 6.95% | 8% | 0% |
| AZ | 17 | $4.1M | $240,882 | 6.65% | 17% | 0% |
| MT | 12 | $3.0M | $250,000 | 6.46% | 24% | 0% |
| OH | 9 | $1.6M | $176,111 | 6.93% | 0% | 0% |
| CA | 9 | $2.5M | $278,333 | 6.62% | 0% | 0% |
| TN | 4 | $1.1M | $275,000 | 7% | 0% | 0% |
| CO | 3 | $1.2M | $395,000 | 6.42% | 0% | 0% |
| NC | 3 | $545,000 | $181,667 | 7.66% | 0% | 0% |
| MN | 3 | $375,000 | $125,000 | 7.21% | 0% | 0% |
| NV | 2 | $590,000 | $295,000 | 6.81% | 33% | 0% |
| WY | 1 | $345,000 | $345,000 | 6.75% | 0% | 0% |
| AR | 1 | $235,000 | $235,000 | 7.13% | 0% | 0% |
| FL | 1 | $255,000 | $255,000 | 8% | 0% | 0% |
| KS | 1 | $75,000 | $75,000 | 6.99% | 0% | 0% |
| KY | 1 | $125,000 | $125,000 | 6.25% | 0% | 0% |
| MO | 1 | $105,000 | $105,000 | 6.88% | 50% | 0% |
| MS | 1 | $165,000 | $165,000 | 6.63% | 0% | 0% |
| SC | 1 | $175,000 | $175,000 | 7.25% | 0% | 0% |
| VT | 1 | $305,000 | $305,000 | 6.99% | 0% | 0% |
| WI | 1 | $225,000 | $225,000 | 7% | 0% | 0% |
| AL | 1 | $235,000 | $235,000 | 7% | 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.