Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Provident Funding Associates
Provident Funding Associates
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
32
+10.3% vs 2024Originations
$8.9M
Loans x average loanAverage loan
$277,188
Average interest rate
6.34%
Denial rate
25%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 81 | 32 | $8.9M | $277,188 | 6.34% | 25% | 0% |
| 2024 | 88 | 29 | $7.0M | $241,552 | 6.66% | 22% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WA | 7 | $2.6M | $376,429 | 6.38% | 13% | 0% |
| AZ | 5 | $945,000 | $189,000 | 6.38% | 0% | 0% |
| OR | 3 | $1.3M | $441,667 | 6.38% | 0% | 0% |
| GA | 3 | $555,000 | $185,000 | 6.25% | 0% | 0% |
| CA | 2 | $790,000 | $395,000 | 6.31% | 60% | 0% |
| OK | 2 | $280,000 | $140,000 | 6.63% | 50% | 0% |
| TX | 2 | $290,000 | $145,000 | 6.44% | 14% | 0% |
| FL | 2 | $340,000 | $170,000 | 6.31% | 50% | 0% |
| VA | 1 | $265,000 | $265,000 | 6.38% | 33% | 0% |
| ID | 1 | $495,000 | $495,000 | 6.13% | 0% | 0% |
| SC | 1 | $285,000 | $285,000 | 6% | 50% | 0% |
| IN | 1 | $245,000 | $245,000 | 6.75% | 0% | 0% |
| KY | 1 | $215,000 | $215,000 | 5.88% | 0% | 0% |
| NC | 1 | $205,000 | $205,000 | 5.88% | 50% | 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.