Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Ladera Lending, Inc.
Ladera Lending, Inc.
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
8
-20.0% vs 2024Originations
$1.8M
Loans x average loanAverage loan
$230,000
Average interest rate
6.84%
Denial rate
6%
Home only share
100%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 52 | 8 | $1.8M | $230,000 | 6.84% | 6% | 100% |
| 2024 | 62 | 10 | $2.3M | $228,000 | 6.83% | 10% | 60% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| CA | 2 | $530,000 | $265,000 | 7.06% | 0% | 100% |
| NV | 2 | $570,000 | $285,000 | 6.5% | 0% | 100% |
| AZ | 1 | $125,000 | $125,000 | 7.13% | 0% | 100% |
| TN | 1 | $235,000 | $235,000 | 6.38% | 0% | 100% |
| TX | 1 | $115,000 | $115,000 | 7.38% | 38% | 100% |
| WA | 1 | $265,000 | $265,000 | 6.75% | 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.