Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Republic State Mortgage Company
Republic State Mortgage Company
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
51
+15.9% vs 2024Originations
$8.9M
Loans x average loanAverage loan
$175,196
Average interest rate
6.39%
Denial rate
7%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 69 | 51 | $8.9M | $175,196 | 6.39% | 7% | 0% |
| 2024 | 71 | 44 | $6.7M | $152,273 | 6.65% | 6% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| KY | 37 | $5.9M | $159,324 | 6.36% | 9% | 0% |
| TX | 7 | $1.7M | $247,857 | 6.23% | 0% | 0% |
| OH | 6 | $1.1M | $186,667 | 6.83% | 0% | 0% |
| NC | 1 | $185,000 | $185,000 | 5.63% | 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.