Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › OCMBC, INC.
OCMBC, INC.
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
150
+6.4% vs 2024Originations
$41.2M
Loans x average loanAverage loan
$274,467
Average interest rate
6.83%
Denial rate
11%
Home only share
1%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 273 | 150 | $41.2M | $274,467 | 6.83% | 11% | 1% |
| 2024 | 248 | 141 | $38.8M | $275,142 | 7.11% | 15% | 1% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| CA | 103 | $31.8M | $309,078 | 6.62% | 8% | 2% |
| AZ | 9 | $2.4M | $270,556 | 6.52% | 8% | 0% |
| TX | 8 | $1.3M | $162,500 | 7.56% | 22% | 0% |
| FL | 7 | $1.5M | $209,286 | 7.2% | 13% | 0% |
| VA | 4 | $480,000 | $120,000 | 8.44% | 20% | 0% |
| WA | 4 | $960,000 | $240,000 | 7.5% | 0% | 0% |
| OR | 2 | $330,000 | $165,000 | 7.63% | 0% | 0% |
| GA | 2 | $390,000 | $195,000 | 6.75% | 20% | 0% |
| MO | 2 | $90,000 | $45,000 | 9.25% | 0% | 0% |
| OH | 2 | $230,000 | $115,000 | 7.75% | 0% | 0% |
| TN | 2 | $530,000 | $265,000 | 6.75% | 40% | 0% |
| NV | 1 | $315,000 | $315,000 | 6.5% | 0% | 0% |
| IN | 1 | $215,000 | $215,000 | 6.63% | 0% | 0% |
| MD | 1 | $125,000 | $125,000 | 6.75% | 0% | 0% |
| AR | 1 | $215,000 | $215,000 | 6.75% | 0% | 0% |
| UT | 1 | $255,000 | $255,000 | 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.