Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › NORTHPOINT MORTGAGE, INC.
NORTHPOINT MORTGAGE, INC.
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
22
+4.8% vs 2024Originations
$5.2M
Loans x average loanAverage loan
$238,182
Average interest rate
6.53%
Denial rate
6%
Home only share
23%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 31 | 22 | $5.2M | $238,182 | 6.53% | 6% | 23% |
| 2024 | 34 | 21 | $5.0M | $240,238 | 6.6% | 15% | 24% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| ME | 15 | $3.7M | $244,333 | 6.43% | 5% | 33% |
| FL | 3 | $755,000 | $251,667 | 6.71% | 0% | 0% |
| GA | 1 | $145,000 | $145,000 | 6.75% | 0% | 0% |
| NH | 1 | $195,000 | $195,000 | 7.25% | 0% | 0% |
| SC | 1 | $115,000 | $115,000 | 6.75% | 25% | 0% |
| VA | 1 | $365,000 | $365,000 | 6.25% | 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.