Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › TRIAD FINANCIAL SERVICES, INC.
TRIAD FINANCIAL SERVICES, INC.
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
14,570
+14.2% vs 2024Originations
$1.62B
Loans x average loanAverage loan
$111,458
Average interest rate
9.08%
Denial rate
47%
Home only share
97%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 72,600 | 14,570 | $1.62B | $111,458 | 9.08% | 47% | 97% |
| 2024 | 67,888 | 12,757 | $1.25B | $98,308 | 8.8% | 52% | 97% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| TX | 2,320 | $294.7M | $127,043 | 9.56% | 50% | 95% |
| CA | 1,644 | $272.6M | $165,797 | 8.92% | 31% | 100% |
| MI | 1,245 | $83.8M | $67,281 | 8.88% | 56% | 99% |
| MS | 1,014 | $122.6M | $120,927 | 9.1% | 34% | 95% |
| FL | 773 | $75.0M | $97,005 | 9.24% | 51% | 95% |
| LA | 605 | $74.1M | $122,521 | 9.07% | 50% | 93% |
| AL | 587 | $78.6M | $133,927 | 8.94% | 40% | 96% |
| PA | 552 | $43.2M | $78,225 | 8.88% | 33% | 99% |
| WA | 550 | $66.8M | $121,545 | 9.03% | 31% | 99% |
| OR | 426 | $47.7M | $111,972 | 8.99% | 36% | 99% |
| OH | 374 | $25.0M | $66,738 | 8.65% | 52% | 99% |
| SC | 361 | $49.9M | $138,186 | 8.89% | 44% | 95% |
| AZ | 314 | $29.4M | $93,567 | 8.94% | 41% | 99% |
| NY | 296 | $23.5M | $79,426 | 8.96% | 38% | 100% |
| CO | 296 | $29.9M | $101,182 | 9.15% | 49% | 100% |
| OK | 271 | $31.9M | $117,620 | 9.31% | 51% | 93% |
| GA | 247 | $27.6M | $111,559 | 8.93% | 55% | 96% |
| AR | 235 | $26.1M | $111,255 | 9.19% | 54% | 96% |
| MN | 230 | $17.8M | $77,478 | 9.25% | 50% | 100% |
| IN | 217 | $12.6M | $57,949 | 8.71% | 57% | 98% |
| NC | 215 | $28.0M | $130,023 | 8.79% | 52% | 90% |
| UT | 179 | $15.9M | $88,743 | 9.06% | 28% | 100% |
| ID | 142 | $13.7M | $96,761 | 9.04% | 32% | 99% |
| MO | 136 | $12.9M | $94,853 | 9.27% | 55% | 97% |
| NJ | 131 | $15.5M | $118,511 | 8.94% | 32% | 100% |
| TN | 119 | $12.9M | $108,109 | 8.56% | 56% | 96% |
| KS | 119 | $6.4M | $53,739 | 9.08% | 54% | 98% |
| WY | 117 | $7.3M | $62,436 | 7.55% | 45% | 97% |
| IL | 117 | $7.8M | $66,453 | 9.32% | 66% | 99% |
| WI | 111 | $7.5M | $67,613 | 9.62% | 57% | 100% |
| MT | 97 | $11.1M | $114,485 | 9.22% | 37% | 98% |
| MD | 80 | $8.0M | $99,750 | 8.66% | 56% | 99% |
| KY | 74 | $6.1M | $82,432 | 9.22% | 60% | 91% |
| NV | 72 | $5.8M | $80,833 | 9.09% | 48% | 100% |
| NM | 53 | $7.7M | $145,377 | 9.33% | 63% | 96% |
| DE | 51 | $5.3M | $104,608 | 9.31% | 44% | 100% |
| WV | 41 | $3.9M | $94,268 | 9.12% | 57% | 95% |
| VA | 40 | $3.8M | $94,750 | 8.98% | 57% | 95% |
| SD | 29 | $2.7M | $93,276 | 9.42% | 48% | 100% |
| NE | 22 | $1.5M | $70,000 | 9.56% | 51% | 100% |
| ND | 22 | $2.4M | $106,818 | 7.39% | 35% | 100% |
| IA | 16 | $1.5M | $91,875 | 9.9% | 80% | 94% |
| ME | 14 | $1.7M | $120,000 | 8.05% | 62% | 100% |
| CT | 13 | $1.6M | $119,615 | 9% | 44% | 100% |
| MA | 2 | $180,000 | $90,000 | 10.34% | 77% | 100% |
| VT | 1 | $115,000 | $115,000 | 8.08% | 60% | 100% |
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.