Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Oceanside Mortgage Company
Oceanside Mortgage Company
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
11
+450.0% vs 2024Originations
$1.8M
Loans x average loanAverage loan
$167,727
Average interest rate
6.31%
Denial rate
11%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 18 | 11 | $1.8M | $167,727 | 6.31% | 11% | 0% |
| 2024 | 6 | 2 | $240,000 | $120,000 | 6.31% | 17% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| IN | 3 | $555,000 | $185,000 | 6.29% | 0% | 0% |
| TN | 2 | $200,000 | $100,000 | 6.69% | 0% | 0% |
| AL | 2 | $350,000 | $175,000 | 6.25% | 0% | 0% |
| WY | 1 | $155,000 | $155,000 | 6.38% | 0% | 0% |
| OH | 1 | $115,000 | $115,000 | 6.13% | 0% | 0% |
| ME | 1 | $175,000 | $175,000 | 6.13% | 33% | 0% |
| WA | 1 | $295,000 | $295,000 | 6% | 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.