Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Endeavor Capital, LLC
Endeavor Capital, LLC
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
23
+53.3% vs 2024Originations
$4.3M
Loans x average loanAverage loan
$186,739
Average interest rate
6.75%
Denial rate
8%
Home only share
4%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 48 | 23 | $4.3M | $186,739 | 6.75% | 8% | 4% |
| 2024 | 35 | 15 | $2.5M | $169,667 | 7.06% | 3% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MO | 8 | $1.6M | $198,750 | 6.66% | 12% | 13% |
| IL | 7 | $1.0M | $147,857 | 7.03% | 8% | 0% |
| KS | 2 | $460,000 | $230,000 | 6.63% | 33% | 0% |
| IN | 2 | $440,000 | $220,000 | 6.5% | 0% | 0% |
| TN | 2 | $410,000 | $205,000 | 6.69% | 0% | 0% |
| OK | 1 | $225,000 | $225,000 | 6.63% | 0% | 0% |
| GA | 1 | $135,000 | $135,000 | 6.5% | 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.