Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Sierra Pacific Mortgage Co. Inc
Sierra Pacific Mortgage Co. Inc
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
144
-19.1% vs 2024Originations
$38.0M
Loans x average loanAverage loan
$264,167
Average interest rate
6.6%
Denial rate
13%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 227 | 144 | $38.0M | $264,167 | 6.6% | 13% | 0% |
| 2024 | 274 | 178 | $47.6M | $267,360 | 6.7% | 20% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| CA | 35 | $10.1M | $289,286 | 6.63% | 4% | 0% |
| OR | 27 | $7.6M | $282,407 | 6.48% | 5% | 0% |
| AZ | 23 | $5.7M | $248,913 | 6.61% | 8% | 0% |
| TN | 13 | $2.8M | $213,462 | 6.57% | 42% | 0% |
| FL | 9 | $1.8M | $195,000 | 6.82% | 22% | 0% |
| TX | 8 | $1.9M | $240,000 | 6.66% | 0% | 0% |
| WA | 7 | $2.3M | $332,143 | 6.93% | 10% | 0% |
| KS | 3 | $585,000 | $195,000 | 6.42% | 50% | 0% |
| NV | 3 | $705,000 | $235,000 | 6.29% | 20% | 0% |
| VA | 2 | $740,000 | $370,000 | 6.25% | 0% | 0% |
| CO | 2 | $740,000 | $370,000 | 6.69% | 0% | 0% |
| SC | 2 | $650,000 | $325,000 | 6.44% | 33% | 0% |
| ID | 2 | $780,000 | $390,000 | 6.5% | 0% | 0% |
| WV | 1 | $215,000 | $215,000 | 6.75% | 0% | 0% |
| GA | 1 | $135,000 | $135,000 | 7% | 0% | 0% |
| KY | 1 | $95,000 | $95,000 | 6.63% | 0% | 0% |
| MS | 1 | $135,000 | $135,000 | 6.75% | 0% | 0% |
| NC | 1 | $135,000 | $135,000 | 6.88% | 50% | 0% |
| NJ | 1 | $205,000 | $205,000 | 7.5% | 0% | 0% |
| NM | 1 | $365,000 | $365,000 | 6.13% | 0% | 0% |
| UT | 1 | $305,000 | $305,000 | 6.25% | 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.