Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › ClearPath Lending
ClearPath Lending
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
83
+10.7% vs 2024Originations
$20.1M
Loans x average loanAverage loan
$242,349
Average interest rate
5.78%
Denial rate
11%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 124 | 83 | $20.1M | $242,349 | 5.78% | 11% | 0% |
| 2024 | 111 | 75 | $18.5M | $246,867 | 5.69% | 13% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| FL | 13 | $2.8M | $216,538 | 5.84% | 18% | 0% |
| AZ | 11 | $2.6M | $236,818 | 5.74% | 0% | 0% |
| NC | 10 | $2.2M | $221,000 | 5.55% | 7% | 0% |
| TX | 7 | $1.4M | $195,000 | 5.87% | 7% | 0% |
| CO | 6 | $2.2M | $363,333 | 5.83% | 14% | 0% |
| SC | 6 | $1.4M | $240,000 | 5.81% | 11% | 0% |
| CA | 5 | $1.6M | $321,000 | 5.65% | 29% | 0% |
| MI | 4 | $760,000 | $190,000 | 6.09% | 20% | 0% |
| TN | 4 | $1.1M | $282,500 | 5.75% | 20% | 0% |
| KY | 3 | $465,000 | $155,000 | 5.83% | 0% | 0% |
| OR | 3 | $1.1M | $378,333 | 5.75% | 17% | 0% |
| AR | 2 | $280,000 | $140,000 | 6% | 0% | 0% |
| GA | 2 | $420,000 | $210,000 | 6.06% | 0% | 0% |
| NV | 2 | $690,000 | $345,000 | 5.75% | 25% | 0% |
| PA | 2 | $480,000 | $240,000 | 5.69% | 0% | 0% |
| IN | 1 | $235,000 | $235,000 | 5.99% | 0% | 0% |
| VA | 1 | $175,000 | $175,000 | 5.63% | 33% | 0% |
| WI | 1 | $125,000 | $125,000 | 5.5% | 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.