Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › LOAN SIMPLE, INC.
LOAN SIMPLE, INC.
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
104
+73.3% vs 2024Originations
$24.0M
Loans x average loanAverage loan
$230,385
Average interest rate
6.96%
Denial rate
6%
Home only share
100%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 153 | 104 | $24.0M | $230,385 | 6.96% | 6% | 100% |
| 2024 | 83 | 60 | $14.1M | $235,333 | 7.36% | 1% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| CO | 48 | $11.3M | $235,208 | 6.57% | 8% | 100% |
| NC | 17 | $3.5M | $206,176 | 7.2% | 4% | 100% |
| OR | 8 | $2.3M | $287,500 | 6.8% | 8% | n/a |
| TX | 6 | $1.2M | $195,000 | 7.42% | 22% | 100% |
| FL | 5 | $1.3M | $267,000 | 7.12% | 0% | n/a |
| AL | 3 | $385,000 | $128,333 | 8.04% | 0% | 100% |
| NM | 3 | $825,000 | $275,000 | 7.13% | 0% | n/a |
| SC | 3 | $605,000 | $201,667 | 6.79% | 0% | n/a |
| VA | 3 | $705,000 | $235,000 | 7.88% | 0% | n/a |
| WA | 2 | $630,000 | $315,000 | 7% | 0% | n/a |
| GA | 2 | $450,000 | $225,000 | 7.06% | 0% | n/a |
| IN | 2 | $310,000 | $155,000 | 6.87% | 0% | n/a |
| TN | 1 | $235,000 | $235,000 | 6.13% | 0% | n/a |
| MN | 1 | $215,000 | $215,000 | 7.25% | 0% | n/a |
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.