Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › CORNERSTONE CAPITAL BANK, SSB
CORNERSTONE CAPITAL BANK, SSB
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
296
+6.9% vs 2024Originations
$68.0M
Loans x average loanAverage loan
$229,865
Average interest rate
6.77%
Denial rate
1%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 400 | 296 | $68.0M | $229,865 | 6.77% | 1% | 0% |
| 2024 | 384 | 277 | $60.8M | $219,549 | 7.45% | 4% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WA | 52 | $18.7M | $359,423 | 6.83% | 2% | 0% |
| NM | 49 | $5.4M | $110,306 | 6.36% | 0% | 0% |
| CO | 37 | $9.0M | $243,649 | 6.68% | 0% | 0% |
| NC | 34 | $6.2M | $183,529 | 6.74% | 0% | 0% |
| TX | 15 | $2.7M | $181,000 | 6.76% | 9% | 0% |
| TN | 14 | $3.1M | $221,429 | 6.66% | 0% | 0% |
| MS | 13 | $2.8M | $217,308 | 7.23% | 6% | 0% |
| AR | 13 | $2.9M | $220,385 | 7.46% | 0% | 0% |
| OK | 10 | $2.1M | $212,000 | 6.59% | 0% | 0% |
| MT | 9 | $2.7M | $303,889 | 6.11% | 0% | 0% |
| FL | 9 | $1.9M | $215,000 | 6.97% | 0% | 0% |
| ID | 9 | $1.5M | $166,111 | 7.03% | 0% | 0% |
| MO | 9 | $1.8M | $198,333 | 7.26% | 0% | 0% |
| AL | 5 | $1.1M | $215,000 | 6.4% | 0% | 0% |
| OR | 5 | $1.8M | $361,000 | 7% | 0% | 0% |
| CA | 4 | $2.2M | $545,000 | 6.94% | 0% | 0% |
| LA | 2 | $470,000 | $235,000 | 6.25% | 0% | 0% |
| AZ | 2 | $560,000 | $280,000 | 6.94% | 0% | 0% |
| KS | 1 | $205,000 | $205,000 | 6.49% | 0% | 0% |
| WY | 1 | $295,000 | $295,000 | 6.63% | 0% | 0% |
| VA | 1 | $175,000 | $175,000 | 8.5% | 50% | 0% |
| KY | 1 | $285,000 | $285,000 | 6.13% | 0% | 0% |
| SC | 1 | $65,000 | $65,000 | 6.75% | 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.