Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › ACOPIA, LLC
ACOPIA, LLC
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
31
+19.2% vs 2024Originations
$4.8M
Loans x average loanAverage loan
$155,323
Average interest rate
6.57%
Denial rate
6%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 47 | 31 | $4.8M | $155,323 | 6.57% | 6% | 0% |
| 2024 | 46 | 26 | $3.9M | $148,846 | 6.92% | 17% | 100% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| AL | 10 | $1.2M | $123,000 | 6.45% | 13% | 0% |
| SC | 8 | $1.1M | $132,500 | 6.83% | 0% | n/a |
| GA | 7 | $1.3M | $185,000 | 6.55% | 0% | 0% |
| TN | 3 | $555,000 | $185,000 | 6.54% | 20% | 0% |
| KY | 1 | $185,000 | $185,000 | 6.38% | 0% | n/a |
| FL | 1 | $245,000 | $245,000 | 6.63% | 0% | 0% |
| MS | 1 | $245,000 | $245,000 | 6.5% | 0% | 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.