Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Rain City Capital, LLC
Rain City Capital, LLC
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
61
Originations
$14.3M
Loans x average loanAverage loan
$234,672
Average interest rate
11.35%
Denial rate
44%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 108 | 61 | $14.3M | $234,672 | 11.35% | 44% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WA | 33 | $9.6M | $289,545 | 11.16% | 28% | 0% |
| OR | 10 | $2.1M | $215,000 | 11.5% | 9% | 0% |
| TN | 7 | $1.1M | $160,714 | 11.5% | 30% | 0% |
| TX | 7 | $955,000 | $136,429 | 11.79% | 70% | 0% |
| FL | 2 | $320,000 | $160,000 | 11% | 75% | 0% |
| NC | 2 | $210,000 | $105,000 | 12% | 33% | 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.