Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › LAND HOME FINANCIAL SERVICES,
LAND HOME FINANCIAL SERVICES,
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
462
+143.2% vs 2024Originations
$68.8M
Loans x average loanAverage loan
$149,004
Average interest rate
8.47%
Denial rate
2%
Home only share
85%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 509 | 462 | $68.8M | $149,004 | 8.47% | 2% | 85% |
| 2024 | 261 | 190 | $34.3M | $180,368 | 8.29% | 9% | 68% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| AL | 132 | $18.3M | $138,636 | 8.62% | 1% | 93% |
| LA | 84 | $8.9M | $106,190 | 8.72% | 0% | 98% |
| MS | 70 | $7.9M | $112,857 | 8.87% | 1% | 99% |
| AR | 55 | $6.6M | $119,909 | 8.67% | 0% | 100% |
| CA | 33 | $11.3M | $342,576 | 6.97% | 6% | 0% |
| TX | 30 | $4.1M | $137,667 | 8.73% | 3% | 97% |
| GA | 16 | $2.5M | $155,625 | 8.61% | 0% | 100% |
| TN | 7 | $945,000 | $135,000 | 8.04% | 13% | 57% |
| OK | 7 | $745,000 | $106,429 | 8.64% | 0% | 100% |
| WA | 6 | $2.2M | $371,667 | 6.29% | 0% | 0% |
| FL | 5 | $615,000 | $123,000 | 8.53% | 0% | 100% |
| WI | 2 | $680,000 | $340,000 | 6.62% | 0% | 0% |
| IA | 2 | $520,000 | $260,000 | 6.69% | 0% | 0% |
| ID | 2 | $710,000 | $355,000 | 6.31% | 17% | 0% |
| NV | 2 | $440,000 | $220,000 | 7.44% | 0% | 0% |
| OR | 2 | $870,000 | $435,000 | 6.38% | 50% | 0% |
| OH | 1 | $215,000 | $215,000 | 6.75% | 50% | 0% |
| MN | 1 | $225,000 | $225,000 | 7.63% | 0% | 0% |
| AZ | 1 | $175,000 | $175,000 | 6.38% | 0% | 0% |
| MD | 1 | $235,000 | $235,000 | 7% | 0% | 0% |
| IN | 1 | $135,000 | $135,000 | 6.63% | 0% | 0% |
| NC | 1 | $55,000 | $55,000 | 8.25% | 0% | 100% |
| CO | 1 | $405,000 | $405,000 | 6.63% | 0% | 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.