Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › ROYAL BUSINESS BANK
ROYAL BUSINESS BANK
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
14
+600.0% vs 2024Originations
$49.7M
Loans x average loanAverage loan
$3,547,857
Average interest rate
6.71%
Denial rate
0%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 16 | 14 | $49.7M | $3,547,857 | 6.71% | 0% | 0% |
| 2024 | 2 | 2 | $14.8M | $7,420,000 | 7% | 0% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| CA | 5 | $25.8M | $5,165,000 | 6.5% | 0% | 0% |
| FL | 2 | $7.5M | $3,735,000 | 7% | 0% | n/a |
| LA | 2 | $1.6M | $825,000 | 7% | 0% | n/a |
| NV | 2 | $8.5M | $4,255,000 | 6.25% | 0% | n/a |
| NC | 1 | $1.7M | $1,705,000 | 7.25% | 0% | n/a |
| NM | 1 | $2.5M | $2,505,000 | 6.75% | 0% | n/a |
| GA | 1 | $2.0M | $2,005,000 | 7% | 0% | n/a |
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.