Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Top Flite Financial, Inc.
Top Flite Financial, Inc.
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
140
-4.1% vs 2024Originations
$22.3M
Loans x average loanAverage loan
$159,071
Average interest rate
6.8%
Denial rate
9%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 282 | 140 | $22.3M | $159,071 | 6.8% | 9% | 0% |
| 2024 | 298 | 146 | $24.0M | $164,315 | 7.04% | 22% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| CO | 21 | $5.2M | $245,476 | 6.51% | 0% | 0% |
| FL | 20 | $2.3M | $114,000 | 6.74% | 10% | 0% |
| GA | 17 | $2.9M | $168,529 | 6.61% | 4% | 0% |
| NC | 16 | $2.2M | $135,625 | 7.21% | 13% | 0% |
| TN | 16 | $2.5M | $158,750 | 6.53% | 4% | 0% |
| MI | 11 | $1.6M | $147,727 | 6.97% | 12% | 0% |
| MO | 6 | $660,000 | $110,000 | 7.1% | 10% | 0% |
| IN | 5 | $495,000 | $99,000 | 7.1% | 0% | 0% |
| AZ | 4 | $1.0M | $255,000 | 6.66% | 0% | 0% |
| OH | 4 | $860,000 | $215,000 | 6.66% | 25% | 0% |
| AL | 3 | $415,000 | $138,333 | 6.96% | 0% | 0% |
| AR | 3 | $355,000 | $118,333 | 6.83% | 0% | 0% |
| SC | 3 | $395,000 | $131,667 | 7% | 20% | 0% |
| CA | 2 | $180,000 | $90,000 | 6.94% | 0% | 0% |
| PA | 2 | $230,000 | $115,000 | 7.13% | 14% | 0% |
| ME | 2 | $150,000 | $75,000 | 6.75% | 0% | 0% |
| KY | 2 | $260,000 | $130,000 | 6.75% | 50% | 0% |
| WA | 1 | $305,000 | $305,000 | 6.75% | 0% | 0% |
| OR | 1 | $105,000 | $105,000 | 6.88% | 0% | 0% |
| VA | 1 | $205,000 | $205,000 | 6.88% | 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.