Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › RESIDENTIAL WHOLESALE MORTGAGE
RESIDENTIAL WHOLESALE MORTGAGE
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
64
+56.1% vs 2024Originations
$17.8M
Loans x average loanAverage loan
$277,344
Average interest rate
6.54%
Denial rate
4%
Home only share
100%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 91 | 64 | $17.8M | $277,344 | 6.54% | 4% | 100% |
| 2024 | 53 | 41 | $12.3M | $298,902 | 6.66% | 2% | 90% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| CA | 19 | $7.3M | $385,526 | 6.64% | 0% | 100% |
| AZ | 12 | $2.3M | $188,333 | 6.63% | 6% | 100% |
| NV | 8 | $1.7M | $212,500 | 6.54% | 10% | 100% |
| WA | 7 | $2.5M | $355,000 | 6.45% | 0% | 100% |
| TX | 4 | $690,000 | $172,500 | 6.63% | 13% | 100% |
| SC | 4 | $820,000 | $205,000 | 6.4% | 0% | 100% |
| UT | 3 | $765,000 | $255,000 | 6.29% | 0% | 100% |
| CO | 2 | $510,000 | $255,000 | 6.68% | 0% | 100% |
| TN | 2 | $560,000 | $280,000 | 6.13% | 0% | 100% |
| IN | 1 | $205,000 | $205,000 | 6.13% | 0% | 100% |
| VA | 1 | $205,000 | $205,000 | 5.99% | 0% | 100% |
| NC | 1 | $225,000 | $225,000 | 6.49% | 0% | 100% |
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.