Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › NFM, INC
NFM, INC
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
218
+4.8% vs 2024Originations
$52.9M
Loans x average loanAverage loan
$242,752
Average interest rate
6.84%
Denial rate
4%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 310 | 218 | $52.9M | $242,752 | 6.84% | 4% | 0% |
| 2024 | 275 | 208 | $48.0M | $230,577 | 7.05% | 3% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| OH | 35 | $7.1M | $203,857 | 6.88% | 0% | 0% |
| NC | 27 | $4.8M | $178,333 | 6.87% | 5% | 0% |
| CO | 23 | $7.3M | $317,609 | 6.59% | 3% | 0% |
| TX | 22 | $5.1M | $230,000 | 6.78% | 6% | 0% |
| WA | 21 | $8.1M | $386,905 | 6.82% | 11% | 0% |
| FL | 12 | $2.4M | $203,333 | 6.84% | 6% | 0% |
| KY | 11 | $1.9M | $172,273 | 7.12% | 0% | 0% |
| ID | 11 | $2.9M | $260,455 | 6.09% | 7% | 0% |
| VA | 10 | $2.5M | $253,000 | 6.91% | 0% | 0% |
| CA | 10 | $2.6M | $264,000 | 6.85% | 0% | 0% |
| GA | 8 | $1.6M | $195,000 | 7.31% | 0% | 0% |
| MD | 6 | $1.5M | $251,667 | 6.71% | 0% | 0% |
| SC | 6 | $1.4M | $228,333 | 7.43% | 0% | 0% |
| TN | 4 | $1.0M | $250,000 | 6.72% | 0% | 0% |
| PA | 3 | $715,000 | $238,333 | 7% | 0% | 0% |
| DE | 2 | $610,000 | $305,000 | 6.5% | 0% | 0% |
| AZ | 2 | $240,000 | $120,000 | 8% | 0% | 0% |
| NM | 1 | $255,000 | $255,000 | 7.63% | 0% | 0% |
| AL | 1 | $155,000 | $155,000 | 6.75% | 0% | 0% |
| NV | 1 | $255,000 | $255,000 | 7.25% | 0% | 0% |
| IN | 1 | $265,000 | $265,000 | 7% | 0% | 0% |
| AR | 1 | $175,000 | $175,000 | 6.75% | 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.