Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › FLAT BRANCH MORTGAGE, INC.
FLAT BRANCH MORTGAGE, INC.
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
415
+49.3% vs 2024Originations
$74.4M
Loans x average loanAverage loan
$179,386
Average interest rate
6.76%
Denial rate
2%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 578 | 415 | $74.4M | $179,386 | 6.76% | 2% | 0% |
| 2024 | 381 | 278 | $44.7M | $160,647 | 7.02% | 5% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MO | 199 | $35.2M | $176,910 | 6.83% | 2% | 0% |
| OK | 62 | $10.6M | $171,129 | 6.78% | 1% | 0% |
| AR | 36 | $5.7M | $157,778 | 6.56% | 0% | 0% |
| KS | 31 | $4.5M | $144,677 | 6.75% | 0% | 0% |
| TX | 28 | $6.3M | $226,786 | 6.71% | 8% | 0% |
| IL | 26 | $4.0M | $153,462 | 6.71% | 0% | 0% |
| CO | 10 | $3.1M | $310,000 | 6.51% | 0% | 0% |
| TN | 7 | $1.5M | $220,714 | 6.48% | 9% | 0% |
| IA | 6 | $1.4M | $230,000 | 6.62% | 0% | 0% |
| NC | 4 | $980,000 | $245,000 | 6.75% | 0% | 0% |
| FL | 1 | $205,000 | $205,000 | 6.75% | 0% | 0% |
| SC | 1 | $165,000 | $165,000 | 7% | 0% | 0% |
| LA | 1 | $145,000 | $145,000 | 7.13% | 0% | 0% |
| KY | 1 | $125,000 | $125,000 | 6.88% | 0% | 0% |
| MI | 1 | $225,000 | $225,000 | 6.88% | 0% | 0% |
| NM | 1 | $255,000 | $255,000 | 7.25% | 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.