Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Golden Empire Mortgage, Inc.
Golden Empire Mortgage, Inc.
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
56
-13.8% vs 2024Originations
$15.4M
Loans x average loanAverage loan
$275,179
Average interest rate
6.21%
Denial rate
7%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 96 | 56 | $15.4M | $275,179 | 6.21% | 7% | 0% |
| 2024 | 91 | 65 | $17.2M | $264,231 | 6.38% | 11% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| CA | 35 | $10.6M | $304,143 | 6.1% | 8% | 0% |
| CO | 11 | $2.1M | $195,000 | 6.32% | 9% | 0% |
| OR | 5 | $1.2M | $233,000 | 6.58% | 0% | 0% |
| WA | 2 | $410,000 | $205,000 | 6.68% | 0% | 0% |
| IN | 1 | $175,000 | $175,000 | 6.25% | 0% | 0% |
| AZ | 1 | $445,000 | $445,000 | 7% | 0% | 0% |
| TX | 1 | $425,000 | $425,000 | 5.75% | 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.