Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › United Wholesale Mortgage
United Wholesale Mortgage
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
10,611
+25.6% vs 2024Originations
$2.66B
Loans x average loanAverage loan
$250,227
Average interest rate
6.27%
Denial rate
15%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 15,774 | 10,611 | $2.66B | $250,227 | 6.27% | 15% | 0% |
| 2024 | 12,191 | 8,446 | $2.06B | $244,346 | 6.43% | 15% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| FL | 1,804 | $389.9M | $216,131 | 6.37% | 15% | 0% |
| AZ | 1,018 | $269.5M | $264,735 | 6.24% | 14% | 0% |
| CA | 904 | $316.5M | $350,155 | 6.28% | 16% | 0% |
| TX | 696 | $159.1M | $228,606 | 6.37% | 17% | 0% |
| NC | 668 | $136.1M | $203,802 | 6.17% | 16% | 0% |
| WA | 666 | $245.2M | $368,153 | 6.14% | 10% | 0% |
| TN | 539 | $123.7M | $229,453 | 6.19% | 10% | 0% |
| GA | 471 | $95.3M | $202,325 | 6.3% | 15% | 0% |
| OR | 376 | $123.0M | $327,181 | 6.11% | 12% | 0% |
| MI | 367 | $68.0M | $185,327 | 6.36% | 15% | 0% |
| CO | 337 | $117.0M | $347,107 | 6.14% | 14% | 0% |
| SC | 330 | $68.7M | $208,303 | 6.25% | 15% | 0% |
| NV | 219 | $61.6M | $281,256 | 6.15% | 13% | 0% |
| KY | 195 | $37.7M | $193,103 | 6.32% | 15% | 0% |
| LA | 187 | $30.1M | $161,203 | 6.49% | 21% | 0% |
| AL | 180 | $31.5M | $175,000 | 6.25% | 16% | 0% |
| VA | 178 | $37.3M | $209,607 | 6.15% | 17% | 0% |
| IN | 144 | $26.3M | $182,917 | 6.31% | 13% | 0% |
| NM | 128 | $30.5M | $238,281 | 6.24% | 20% | 0% |
| ID | 127 | $39.9M | $314,449 | 6.05% | 13% | 0% |
| UT | 111 | $33.0M | $297,342 | 6.22% | 12% | 0% |
| OH | 106 | $22.2M | $209,528 | 6.33% | 20% | 0% |
| ME | 91 | $19.8M | $217,747 | 6.46% | 8% | 0% |
| OK | 86 | $16.2M | $188,023 | 6.24% | 18% | 0% |
| PA | 77 | $14.6M | $189,026 | 6.23% | 25% | 0% |
| MO | 70 | $13.7M | $195,000 | 6.52% | 16% | 0% |
| WY | 67 | $18.6M | $277,090 | 6.04% | 16% | 0% |
| MT | 62 | $23.2M | $374,516 | 6.18% | 13% | 0% |
| MN | 61 | $14.3M | $234,344 | 6.25% | 15% | 0% |
| WI | 51 | $11.1M | $217,353 | 6.4% | 21% | 0% |
| AR | 43 | $8.0M | $185,465 | 6.18% | 16% | 0% |
| NH | 38 | $9.9M | $261,316 | 6.34% | 15% | 0% |
| WV | 35 | $6.4M | $182,714 | 6.36% | 20% | 0% |
| DE | 33 | $7.8M | $237,727 | 6.08% | 8% | 0% |
| MS | 33 | $5.2M | $156,818 | 6.28% | 23% | 0% |
| IL | 23 | $4.4M | $193,261 | 6.55% | 29% | 0% |
| KS | 18 | $3.8M | $209,444 | 6.35% | 24% | 0% |
| ND | 15 | $3.1M | $209,667 | 6.36% | 21% | 0% |
| IA | 14 | $2.5M | $179,286 | 6.43% | 10% | 0% |
| SD | 13 | $3.6M | $278,077 | 6.34% | 0% | 0% |
| MD | 13 | $3.1M | $241,154 | 6.13% | 12% | 0% |
| VT | 7 | $1.7M | $239,286 | 6.99% | 13% | 0% |
| NE | 5 | $1.1M | $213,000 | 5.84% | 27% | 0% |
| AK | 2 | $470,000 | $235,000 | 5.78% | 33% | 0% |
| NJ | 2 | $240,000 | $120,000 | 6% | 33% | 0% |
| NY | 1 | $115,000 | $115,000 | 6.08% | 67% | 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.