Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › ROCKET MORTGAGE
ROCKET MORTGAGE
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
7,764
+19.2% vs 2024Originations
$1.47B
Loans x average loanAverage loan
$189,498
Average interest rate
6.56%
Denial rate
35%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 13,973 | 7,764 | $1.47B | $189,498 | 6.56% | 35% | 0% |
| 2024 | 11,296 | 6,515 | $1.16B | $178,529 | 6.64% | 33% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NC | 824 | $138.8M | $168,471 | 6.59% | 27% | 0% |
| FL | 730 | $129.8M | $177,808 | 6.57% | 35% | 0% |
| GA | 448 | $72.4M | $161,652 | 6.56% | 29% | 0% |
| TX | 447 | $84.1M | $188,154 | 6.73% | 44% | 0% |
| TN | 431 | $77.8M | $180,615 | 6.5% | 32% | 0% |
| AZ | 420 | $90.7M | $215,833 | 6.47% | 29% | 0% |
| MI | 330 | $53.9M | $163,212 | 6.58% | 38% | 0% |
| SC | 327 | $54.2M | $165,887 | 6.59% | 33% | 0% |
| WA | 325 | $98.5M | $303,000 | 6.37% | 28% | 0% |
| CA | 318 | $100.6M | $316,289 | 6.45% | 36% | 0% |
| KY | 239 | $36.8M | $153,912 | 6.65% | 38% | 0% |
| VA | 233 | $39.6M | $170,064 | 6.54% | 34% | 0% |
| OR | 214 | $60.3M | $281,963 | 6.4% | 31% | 0% |
| IN | 205 | $32.0M | $155,878 | 6.69% | 34% | 0% |
| OH | 186 | $29.9M | $160,806 | 6.56% | 36% | 0% |
| AL | 172 | $24.1M | $140,407 | 6.66% | 41% | 0% |
| MO | 158 | $24.8M | $157,025 | 6.56% | 35% | 0% |
| NV | 139 | $31.6M | $227,302 | 6.42% | 26% | 0% |
| NM | 131 | $24.8M | $189,580 | 6.61% | 45% | 0% |
| LA | 128 | $16.1M | $126,172 | 6.62% | 40% | 0% |
| OK | 128 | $19.2M | $150,234 | 6.7% | 43% | 0% |
| WV | 127 | $16.9M | $132,953 | 6.71% | 42% | 0% |
| CO | 116 | $32.5M | $279,828 | 6.39% | 36% | 0% |
| AR | 107 | $14.7M | $137,710 | 6.75% | 41% | 0% |
| PA | 105 | $17.1M | $163,095 | 6.72% | 47% | 0% |
| ID | 96 | $25.1M | $261,458 | 6.46% | 28% | 0% |
| MS | 85 | $10.4M | $122,412 | 6.69% | 42% | 0% |
| WI | 68 | $12.2M | $179,118 | 6.64% | 44% | 0% |
| IL | 62 | $7.0M | $113,226 | 6.7% | 37% | 0% |
| KS | 62 | $9.7M | $157,097 | 6.53% | 40% | 0% |
| MN | 58 | $10.6M | $182,759 | 6.53% | 36% | 0% |
| ME | 57 | $8.8M | $154,649 | 6.76% | 45% | 0% |
| MT | 50 | $14.7M | $293,400 | 6.47% | 24% | 0% |
| UT | 49 | $13.3M | $272,347 | 6.3% | 36% | 0% |
| DE | 39 | $7.8M | $200,128 | 6.55% | 25% | 0% |
| WY | 36 | $8.2M | $227,500 | 6.28% | 41% | 0% |
| VT | 25 | $4.5M | $180,600 | 6.45% | 36% | 0% |
| NH | 21 | $4.2M | $200,238 | 6.58% | 42% | 0% |
| MD | 15 | $3.0M | $199,667 | 6.63% | 46% | 0% |
| SD | 13 | $2.8M | $214,231 | 6.44% | 35% | 0% |
| IA | 13 | $2.2M | $166,538 | 6.71% | 61% | 0% |
| ND | 12 | $2.9M | $240,833 | 6.55% | 52% | 0% |
| NE | 9 | $1.2M | $138,333 | 6.79% | 39% | 0% |
| NJ | 3 | $405,000 | $135,000 | 6.29% | 67% | 0% |
| AK | 2 | $610,000 | $305,000 | 6.25% | 33% | 0% |
| CT | 1 | $185,000 | $185,000 | 7.13% | 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.