Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Sunflower Bank, N.A.
Sunflower Bank, N.A.
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
110
+32.5% vs 2024Originations
$34.3M
Loans x average loanAverage loan
$311,455
Average interest rate
6.48%
Denial rate
5%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 147 | 110 | $34.3M | $311,455 | 6.48% | 5% | 0% |
| 2024 | 124 | 83 | $24.9M | $300,060 | 6.62% | 12% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WA | 36 | $12.8M | $354,722 | 6.4% | 2% | 0% |
| OR | 34 | $11.7M | $345,000 | 6.55% | 0% | 0% |
| NM | 18 | $3.9M | $218,333 | 6.46% | 7% | 0% |
| ID | 6 | $1.7M | $288,333 | 6.44% | 0% | 0% |
| AZ | 4 | $1.2M | $307,500 | 6.56% | 14% | 0% |
| TX | 3 | $855,000 | $285,000 | 7.08% | 20% | 0% |
| MO | 2 | $350,000 | $175,000 | 6.31% | 0% | 0% |
| KS | 2 | $410,000 | $205,000 | 6.24% | 0% | 0% |
| CO | 2 | $610,000 | $305,000 | 6.13% | 17% | 0% |
| SD | 1 | $205,000 | $205,000 | 5.99% | 0% | 0% |
| MI | 1 | $195,000 | $195,000 | 6.88% | 50% | 0% |
| CA | 1 | $245,000 | $245,000 | 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.