Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › EFINITY FINANCIAL LLC
EFINITY FINANCIAL LLC
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
58
+16.0% vs 2024Originations
$14.1M
Loans x average loanAverage loan
$242,931
Average interest rate
6.65%
Denial rate
9%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 87 | 58 | $14.1M | $242,931 | 6.65% | 9% | 0% |
| 2024 | 68 | 50 | $11.9M | $237,200 | 6.96% | 6% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| AZ | 50 | $12.1M | $241,600 | 6.58% | 10% | 0% |
| TX | 6 | $1.4M | $240,000 | 7.13% | 10% | 0% |
| CA | 2 | $570,000 | $285,000 | 6.94% | 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.