Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Capital Bank, N.A.
Capital Bank, N.A.
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
7
+250.0% vs 2024Originations
$1.9M
Loans x average loanAverage loan
$266,429
Average interest rate
6.5%
Denial rate
23%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 13 | 7 | $1.9M | $266,429 | 6.5% | 23% | 0% |
| 2024 | 7 | 2 | $450,000 | $225,000 | 6.12% | 29% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| DE | 3 | $945,000 | $315,000 | 6.54% | 25% | 0% |
| MI | 1 | $125,000 | $125,000 | 7.75% | 0% | 0% |
| NC | 1 | $325,000 | $325,000 | 6% | 0% | 0% |
| OK | 1 | $275,000 | $275,000 | 5.63% | 33% | 0% |
| SC | 1 | $195,000 | $195,000 | 6.49% | 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.