Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Bay Capital Mortgage Corporation
Bay Capital Mortgage Corporation
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
2
-33.3% vs 2024Originations
$420,000
Loans x average loanAverage loan
$210,000
Average interest rate
6.31%
Denial rate
0%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 2 | 2 | $420,000 | $210,000 | 6.31% | 0% | 0% |
| 2024 | 3 | 3 | $535,000 | $178,333 | 5.96% | 0% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| FL | 1 | $195,000 | $195,000 | 5.99% | 0% | 0% |
| MD | 1 | $225,000 | $225,000 | 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.