Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › PRIMELENDING
PRIMELENDING
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
537
-13.2% vs 2024Originations
$108.9M
Loans x average loanAverage loan
$202,765
Average interest rate
6.71%
Denial rate
9%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 778 | 537 | $108.9M | $202,765 | 6.71% | 9% | 0% |
| 2024 | 900 | 619 | $117.3M | $189,443 | 6.88% | 11% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| SC | 78 | $16.3M | $208,333 | 6.63% | 7% | 0% |
| TX | 71 | $13.6M | $191,056 | 6.77% | 12% | 0% |
| FL | 45 | $7.6M | $168,556 | 6.76% | 5% | 0% |
| WA | 39 | $10.9M | $280,641 | 6.76% | 2% | 0% |
| CA | 36 | $8.8M | $245,000 | 6.26% | 9% | 0% |
| AZ | 33 | $6.9M | $209,848 | 6.8% | 4% | 0% |
| NM | 31 | $4.2M | $136,613 | 6.89% | 13% | 0% |
| PA | 20 | $2.4M | $119,000 | 6.44% | 10% | 0% |
| NY | 20 | $2.9M | $146,500 | 6.91% | 4% | 0% |
| NV | 20 | $5.8M | $289,500 | 6.66% | 9% | 0% |
| MO | 16 | $2.6M | $163,125 | 6.54% | 4% | 0% |
| WV | 16 | $2.4M | $151,250 | 7.11% | 5% | 0% |
| NC | 14 | $3.1M | $219,286 | 6.75% | 20% | 0% |
| OH | 8 | $1.6M | $202,500 | 6.79% | 10% | 0% |
| OR | 8 | $2.2M | $273,750 | 6.76% | 11% | 0% |
| KS | 7 | $2.2M | $316,429 | 7.02% | 0% | 0% |
| IN | 7 | $1.2M | $173,571 | 6.92% | 11% | 0% |
| ID | 7 | $1.7M | $245,000 | 6.96% | 22% | 0% |
| NH | 6 | $1.1M | $190,000 | 6.34% | 14% | 0% |
| GA | 6 | $840,000 | $140,000 | 6.87% | 13% | 0% |
| TN | 6 | $1.6M | $271,667 | 6.48% | 0% | 0% |
| MS | 6 | $610,000 | $101,667 | 5.99% | 18% | 0% |
| MN | 5 | $1.2M | $243,000 | 6.67% | 29% | 0% |
| CO | 5 | $1.6M | $321,000 | 6.53% | 17% | 0% |
| AL | 4 | $700,000 | $175,000 | 6.84% | 25% | 0% |
| UT | 3 | $575,000 | $191,667 | 7.08% | 0% | 0% |
| MI | 3 | $545,000 | $181,667 | 6.75% | 17% | 0% |
| MT | 2 | $670,000 | $335,000 | 6.75% | 33% | 0% |
| NE | 2 | $350,000 | $175,000 | 7% | 0% | 0% |
| LA | 1 | $175,000 | $175,000 | 6.99% | 33% | 0% |
| SD | 1 | $205,000 | $205,000 | 7.75% | 0% | 0% |
| KY | 1 | $235,000 | $235,000 | 6.99% | 50% | 0% |
| IL | 1 | $155,000 | $155,000 | 7.38% | 50% | 0% |
| VA | 1 | $315,000 | $315,000 | 6.25% | 50% | 0% |
| VT | 1 | $135,000 | $135,000 | 6.99% | 50% | 0% |
| DE | 1 | $165,000 | $165,000 | 6.49% | 0% | 0% |
| WI | 1 | $175,000 | $175,000 | 6.38% | 0% | 0% |
| AR | 1 | $65,000 | $65,000 | 7.13% | 0% | 0% |
| WY | 1 | $345,000 | $345,000 | 6.99% | 0% | 0% |
| ND | 1 | $185,000 | $185,000 | 5.88% | 0% | 0% |
| OK | 1 | $145,000 | $145,000 | 7.25% | 0% | 0% |
| ME | 1 | $225,000 | $225,000 | 7.38% | 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.