Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Chartwell Financial, LLC
Chartwell Financial, LLC
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
35
-7.9% vs 2024Originations
$2.2M
Loans x average loanAverage loan
$61,857
Average interest rate
11.24%
Denial rate
14%
Home only share
100%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 91 | 35 | $2.2M | $61,857 | 11.24% | 14% | 100% |
| 2024 | 97 | 38 | $1.9M | $51,316 | 11.76% | 13% | 100% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MN | 8 | $650,000 | $81,250 | 10.25% | 16% | 100% |
| IN | 7 | $335,000 | $47,857 | 11.16% | 11% | 100% |
| OH | 4 | $160,000 | $40,000 | 12.19% | 25% | 100% |
| PA | 3 | $175,000 | $58,333 | 12.33% | 0% | 100% |
| ND | 3 | $185,000 | $61,667 | 11.38% | 30% | 100% |
| NE | 3 | $195,000 | $65,000 | 10.5% | 17% | 100% |
| NJ | 2 | $160,000 | $80,000 | 11.5% | 0% | 100% |
| MI | 2 | $60,000 | $30,000 | 12.19% | 14% | 100% |
| IA | 2 | $80,000 | $40,000 | 12.31% | 0% | 100% |
| AZ | 1 | $165,000 | $165,000 | 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.