Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Shoreham Bank
Shoreham Bank
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
36
+38.5% vs 2024Originations
$1.1M
Loans x average loanAverage loan
$31,111
Average interest rate
8.69%
Denial rate
29%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 80 | 36 | $1.1M | $31,111 | 8.69% | 29% | 0% |
| 2024 | 87 | 26 | $820,000 | $31,538 | 8.68% | 37% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| DE | 7 | $175,000 | $25,000 | 8.74% | 17% | 0% |
| LA | 5 | $125,000 | $25,000 | 9.15% | 42% | 0% |
| SC | 4 | $80,000 | $20,000 | 10.36% | 20% | 0% |
| NC | 3 | $65,000 | $21,667 | 7.72% | 14% | 0% |
| CA | 2 | $40,000 | $20,000 | 9.45% | 0% | 0% |
| CO | 2 | $50,000 | $25,000 | 9.1% | 0% | 0% |
| KY | 2 | $50,000 | $25,000 | 7.95% | 0% | 0% |
| OK | 2 | $50,000 | $25,000 | 7.45% | 33% | 0% |
| OR | 2 | $50,000 | $25,000 | 6.95% | 0% | 0% |
| WY | 1 | $25,000 | $25,000 | 9.95% | 0% | 0% |
| FL | 1 | $25,000 | $25,000 | 7.25% | 67% | 0% |
| TX | 1 | $25,000 | $25,000 | 7.25% | 50% | 0% |
| UT | 1 | $25,000 | $25,000 | 9.95% | 0% | 0% |
| WI | 1 | $285,000 | $285,000 | 7.25% | 0% | 0% |
| MD | 1 | $25,000 | $25,000 | 9.95% | 33% | 0% |
| WV | 1 | $25,000 | $25,000 | 7.95% | 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.