Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Royal Pacific Funding
Royal Pacific Funding
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
16
-48.4% vs 2024Originations
$5.3M
Loans x average loanAverage loan
$334,375
Average interest rate
6.63%
Denial rate
5%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 41 | 16 | $5.3M | $334,375 | 6.63% | 5% | n/a |
| 2024 | 66 | 31 | $7.5M | $241,774 | 6.77% | 8% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| CA | 15 | $5.2M | $344,333 | 6.42% | 6% | n/a |
| TX | 1 | $185,000 | $185,000 | 9.63% | 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.