Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › MURPHY BANK
MURPHY BANK
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
95
+43.9% vs 2024Originations
$21.1M
Loans x average loanAverage loan
$222,263
Average interest rate
7.96%
Denial rate
17%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 178 | 95 | $21.1M | $222,263 | 7.96% | 17% | n/a |
| 2024 | 127 | 66 | $10.7M | $162,576 | 8.62% | 20% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| CA | 95 | $21.1M | $222,263 | 7.96% | 17% | n/a |
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.