Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › FREEDOM MORTGAGE CORPORATION
FREEDOM MORTGAGE CORPORATION
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
1,207
+29.8% vs 2024Originations
$265.6M
Loans x average loanAverage loan
$220,079
Average interest rate
6.26%
Denial rate
18%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 3,392 | 1,207 | $265.6M | $220,079 | 6.26% | 18% | 0% |
| 2024 | 2,384 | 930 | $196.3M | $211,043 | 6.37% | 18% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NC | 125 | $23.1M | $184,760 | 6.26% | 15% | 0% |
| FL | 114 | $23.9M | $209,912 | 6.33% | 22% | 0% |
| TX | 79 | $17.4M | $220,696 | 6.51% | 15% | 0% |
| TN | 76 | $15.7M | $206,184 | 6.32% | 16% | 0% |
| WA | 74 | $25.2M | $340,405 | 6.02% | 18% | 0% |
| GA | 65 | $11.7M | $179,462 | 6.26% | 12% | 0% |
| AZ | 65 | $14.4M | $221,462 | 6.26% | 14% | 0% |
| SC | 56 | $10.8M | $192,857 | 6.4% | 15% | 0% |
| OR | 55 | $16.9M | $306,455 | 5.95% | 11% | 0% |
| CA | 54 | $15.8M | $291,667 | 6.17% | 14% | 0% |
| IN | 40 | $7.0M | $174,500 | 6.33% | 17% | 0% |
| CO | 36 | $10.6M | $293,333 | 6.17% | 22% | 0% |
| NV | 33 | $7.5M | $226,818 | 6.08% | 13% | 0% |
| KY | 28 | $5.2M | $186,071 | 6.35% | 27% | 0% |
| OH | 28 | $5.2M | $187,143 | 6.37% | 15% | 0% |
| VA | 26 | $5.0M | $193,077 | 6.23% | 22% | 0% |
| MI | 26 | $5.1M | $196,538 | 6.29% | 15% | 0% |
| LA | 25 | $3.9M | $157,800 | 6.35% | 13% | 0% |
| MO | 21 | $3.8M | $181,667 | 6.28% | 28% | 0% |
| AL | 20 | $3.7M | $183,000 | 6.34% | 22% | 0% |
| ID | 19 | $5.2M | $271,316 | 5.93% | 10% | 0% |
| ME | 16 | $3.1M | $196,875 | 6.3% | 18% | 0% |
| NM | 15 | $3.1M | $207,667 | 6.21% | 18% | 0% |
| UT | 13 | $3.4M | $263,462 | 6.08% | 23% | 0% |
| AR | 11 | $2.0M | $177,727 | 6.1% | 23% | 0% |
| OK | 11 | $2.1M | $192,273 | 6.18% | 29% | 0% |
| PA | 10 | $1.4M | $145,000 | 6.14% | 39% | 0% |
| KS | 8 | $1.4M | $168,750 | 6.61% | 27% | 0% |
| WY | 7 | $1.5M | $213,571 | 6.18% | 28% | 0% |
| MS | 7 | $1.0M | $146,429 | 6.25% | 25% | 0% |
| WI | 7 | $1.3M | $185,000 | 6.48% | 31% | 0% |
| MT | 5 | $1.8M | $353,000 | 6.43% | 0% | 0% |
| VT | 4 | $740,000 | $185,000 | 6.13% | 18% | 0% |
| NH | 4 | $1.3M | $317,500 | 5.94% | 30% | 0% |
| WV | 4 | $690,000 | $172,500 | 6.09% | 23% | 0% |
| NE | 4 | $590,000 | $147,500 | 6.22% | 0% | 0% |
| ND | 4 | $820,000 | $205,000 | 6.4% | 29% | 0% |
| MD | 3 | $575,000 | $191,667 | 6.25% | 20% | 0% |
| DE | 3 | $535,000 | $178,333 | 6.63% | 25% | 0% |
| MN | 3 | $755,000 | $251,667 | 6.67% | 36% | 0% |
| IL | 2 | $310,000 | $155,000 | 6% | 36% | 0% |
| SD | 1 | $245,000 | $245,000 | 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.