Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Mortgage Financial Services
Mortgage Financial Services
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
12
-63.6% vs 2024Originations
$2.6M
Loans x average loanAverage loan
$220,833
Average interest rate
6.93%
Denial rate
6%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 17 | 12 | $2.6M | $220,833 | 6.93% | 6% | 0% |
| 2024 | 43 | 33 | $6.1M | $184,697 | 7.2% | 2% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| TX | 8 | $2.1M | $266,250 | 6.8% | 10% | 0% |
| AR | 4 | $520,000 | $130,000 | 7.19% | 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.