Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › AMERICAN FINANCING CORPORATION
AMERICAN FINANCING CORPORATION
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
197
+16.6% vs 2024Originations
$38.5M
Loans x average loanAverage loan
$195,254
Average interest rate
6.49%
Denial rate
55%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 1,030 | 197 | $38.5M | $195,254 | 6.49% | 55% | 0% |
| 2024 | 837 | 169 | $34.3M | $203,225 | 6.42% | 60% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| CO | 31 | $8.3M | $269,194 | 6.52% | 48% | 0% |
| FL | 17 | $3.2M | $190,882 | 6.2% | 57% | 0% |
| TN | 14 | $2.2M | $154,286 | 6.55% | 30% | 0% |
| GA | 12 | $2.1M | $175,833 | 6.58% | 65% | 0% |
| TX | 12 | $1.5M | $125,833 | 6.81% | 68% | 0% |
| WA | 11 | $2.4M | $214,091 | 6.67% | 50% | 0% |
| OK | 10 | $1.7M | $166,000 | 6.91% | 52% | 0% |
| AZ | 10 | $2.1M | $209,000 | 6.2% | 67% | 0% |
| NC | 8 | $1.1M | $133,750 | 7.09% | 44% | 0% |
| OR | 6 | $2.0M | $335,000 | 6.04% | 43% | 0% |
| SC | 6 | $1.2M | $195,000 | 6.2% | 56% | 0% |
| NM | 5 | $1.0M | $203,000 | 5.9% | 35% | 0% |
| PA | 5 | $615,000 | $123,000 | 6.57% | 31% | 0% |
| KY | 4 | $430,000 | $107,500 | 6.44% | 40% | 0% |
| CA | 4 | $1.3M | $322,500 | 6.38% | 54% | 0% |
| IN | 4 | $520,000 | $130,000 | 6.22% | 47% | 0% |
| NV | 4 | $960,000 | $240,000 | 6.28% | 53% | 0% |
| UT | 4 | $780,000 | $195,000 | 6.31% | 33% | 0% |
| AL | 3 | $295,000 | $98,333 | 6.88% | 68% | 0% |
| MI | 3 | $395,000 | $131,667 | 6.58% | 64% | 0% |
| MO | 3 | $575,000 | $191,667 | 6.16% | 47% | 0% |
| MT | 3 | $875,000 | $291,667 | 6.58% | 33% | 0% |
| WY | 2 | $620,000 | $310,000 | 5.88% | 43% | 0% |
| VA | 2 | $270,000 | $135,000 | 6.43% | 62% | 0% |
| ID | 2 | $240,000 | $120,000 | 6.81% | 71% | 0% |
| WV | 2 | $350,000 | $175,000 | 6.56% | 63% | 0% |
| OH | 2 | $350,000 | $175,000 | 6.19% | 58% | 0% |
| MN | 2 | $350,000 | $175,000 | 6.18% | 25% | 0% |
| KS | 2 | $180,000 | $90,000 | 7.75% | 67% | 0% |
| MS | 1 | $175,000 | $175,000 | 7.13% | 72% | 0% |
| IL | 1 | $175,000 | $175,000 | 6.38% | 80% | 0% |
| SD | 1 | $95,000 | $95,000 | 6.49% | 0% | 0% |
| ME | 1 | $185,000 | $185,000 | 5.25% | 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.