Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › EMM Loans LLC
EMM Loans LLC
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
97
+14.1% vs 2024Originations
$21.5M
Loans x average loanAverage loan
$221,186
Average interest rate
6.69%
Denial rate
8%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 127 | 97 | $21.5M | $221,186 | 6.69% | 8% | 0% |
| 2024 | 118 | 85 | $16.8M | $197,471 | 6.82% | 14% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| VT | 23 | $6.1M | $265,000 | 6.7% | 0% | 0% |
| FL | 22 | $4.6M | $207,727 | 6.73% | 7% | 0% |
| NC | 11 | $2.2M | $201,364 | 6.52% | 14% | 0% |
| SC | 10 | $2.3M | $228,000 | 6.33% | 18% | 0% |
| NH | 9 | $2.4M | $265,000 | 6.98% | 0% | 0% |
| VA | 8 | $1.3M | $161,250 | 6.67% | 0% | 0% |
| GA | 5 | $525,000 | $105,000 | 6.95% | 0% | 0% |
| KY | 3 | $725,000 | $241,667 | 6.33% | 25% | 0% |
| AL | 3 | $655,000 | $218,333 | 6.92% | 0% | 0% |
| TN | 1 | $285,000 | $285,000 | 7% | 50% | 0% |
| ME | 1 | $275,000 | $275,000 | 6.88% | 0% | 0% |
| PA | 1 | $155,000 | $155,000 | 7.5% | 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.