Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › ENVOY MORTGAGE, LTD
ENVOY MORTGAGE, LTD
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
126
+20.0% vs 2024Originations
$36.3M
Loans x average loanAverage loan
$288,413
Average interest rate
6.77%
Denial rate
12%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 190 | 126 | $36.3M | $288,413 | 6.77% | 12% | 0% |
| 2024 | 147 | 105 | $28.3M | $269,952 | 6.93% | 6% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WA | 22 | $8.5M | $386,818 | 6.67% | 16% | 0% |
| NC | 20 | $4.3M | $212,500 | 6.82% | 8% | 0% |
| AZ | 10 | $2.5M | $252,000 | 7.13% | 24% | 0% |
| OR | 8 | $3.1M | $392,500 | 6.72% | 8% | 0% |
| TX | 7 | $1.5M | $215,000 | 6.7% | 0% | 0% |
| GA | 6 | $1.3M | $221,667 | 6.77% | 13% | 0% |
| CA | 6 | $2.4M | $400,000 | 6.38% | 11% | 0% |
| FL | 5 | $1.2M | $243,000 | 7.18% | 0% | 0% |
| CO | 5 | $1.8M | $365,000 | 6.48% | 0% | 0% |
| MT | 4 | $1.6M | $390,000 | 6.59% | 0% | 0% |
| NH | 4 | $1.3M | $317,500 | 6.78% | 0% | 0% |
| ID | 3 | $785,000 | $261,667 | 6.75% | 0% | 0% |
| AR | 3 | $825,000 | $275,000 | 6.25% | 40% | 0% |
| OK | 3 | $705,000 | $235,000 | 6.88% | 0% | 0% |
| IN | 3 | $525,000 | $175,000 | 7.04% | 0% | 0% |
| WI | 2 | $520,000 | $260,000 | 7.13% | 20% | 0% |
| ME | 2 | $500,000 | $250,000 | 6.69% | 0% | 0% |
| NV | 2 | $580,000 | $290,000 | 7.44% | 0% | 0% |
| MO | 1 | $255,000 | $255,000 | 6.63% | 50% | 0% |
| NJ | 1 | $205,000 | $205,000 | 7.13% | 0% | 0% |
| IA | 1 | $215,000 | $215,000 | 6.88% | 0% | 0% |
| MI | 1 | $125,000 | $125,000 | 6.88% | 0% | 0% |
| MD | 1 | $275,000 | $275,000 | 6.25% | 50% | 0% |
| SC | 1 | $215,000 | $215,000 | 7% | 33% | 0% |
| TN | 1 | $225,000 | $225,000 | 6.63% | 67% | 0% |
| KY | 1 | $275,000 | $275,000 | 6.88% | 0% | 0% |
| VA | 1 | $275,000 | $275,000 | 6.38% | 0% | 0% |
| IL | 1 | $175,000 | $175,000 | 7.25% | 0% | 0% |
| ND | 1 | $135,000 | $135,000 | 6.63% | 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.