Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Keystone Funding, Inc
Keystone Funding, Inc
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
52
+8.3% vs 2024Originations
$13.1M
Loans x average loanAverage loan
$252,308
Average interest rate
6.52%
Denial rate
10%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 69 | 52 | $13.1M | $252,308 | 6.52% | 10% | 0% |
| 2024 | 64 | 48 | $11.1M | $231,042 | 6.88% | 8% | 31% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| DE | 21 | $6.0M | $286,905 | 6.51% | 14% | 0% |
| NC | 8 | $1.2M | $152,500 | 6.51% | 0% | 0% |
| FL | 7 | $1.6M | $227,857 | 6.46% | 0% | 0% |
| AZ | 4 | $1.3M | $312,500 | 6.59% | 0% | 0% |
| OR | 3 | $585,000 | $195,000 | 6.67% | 0% | 0% |
| CO | 3 | $1.1M | $368,333 | 6.21% | 0% | 0% |
| VA | 2 | $590,000 | $295,000 | 7.19% | 0% | 0% |
| PA | 2 | $410,000 | $205,000 | 6.38% | 0% | 0% |
| GA | 1 | $185,000 | $185,000 | 6.25% | 0% | 0% |
| AL | 1 | $155,000 | $155,000 | 6.5% | 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.