Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Kind Lending, LLC
Kind Lending, LLC
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
657
+73.8% vs 2024Originations
$155.0M
Loans x average loanAverage loan
$235,989
Average interest rate
6.75%
Denial rate
31%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 1,106 | 657 | $155.0M | $235,989 | 6.75% | 31% | 0% |
| 2024 | 652 | 378 | $94.9M | $251,032 | 6.71% | 30% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| CA | 89 | $24.8M | $278,483 | 6.36% | 30% | 0% |
| TX | 62 | $12.2M | $196,613 | 6.94% | 34% | 0% |
| FL | 60 | $11.1M | $185,333 | 7.14% | 40% | 0% |
| OR | 56 | $16.9M | $300,893 | 6.57% | 28% | 0% |
| WA | 39 | $13.4M | $344,231 | 6.56% | 13% | 0% |
| GA | 37 | $6.9M | $187,162 | 6.77% | 29% | 0% |
| AZ | 34 | $9.3M | $272,647 | 6.68% | 25% | 0% |
| TN | 27 | $5.7M | $212,407 | 6.77% | 22% | 0% |
| KY | 24 | $3.7M | $155,417 | 6.95% | 18% | 0% |
| ID | 19 | $5.9M | $312,368 | 6.64% | 15% | 0% |
| AL | 18 | $3.1M | $175,000 | 6.88% | 41% | 0% |
| LA | 18 | $2.7M | $152,222 | 6.99% | 13% | 0% |
| UT | 17 | $5.0M | $293,824 | 6.61% | 36% | 0% |
| NM | 16 | $3.3M | $205,000 | 6.92% | 45% | 0% |
| MT | 15 | $5.8M | $389,667 | 6.11% | 36% | 0% |
| NC | 13 | $2.0M | $150,385 | 7.26% | 21% | 0% |
| OK | 12 | $2.1M | $177,500 | 6.71% | 48% | 0% |
| IN | 12 | $2.3M | $187,500 | 6.96% | 20% | 0% |
| CO | 11 | $3.1M | $279,545 | 6.6% | 31% | 0% |
| NV | 10 | $2.8M | $278,000 | 6.77% | 36% | 0% |
| SC | 10 | $1.7M | $170,000 | 7.18% | 40% | 0% |
| WY | 8 | $2.5M | $306,250 | 6.47% | 33% | 0% |
| MI | 8 | $1.3M | $161,250 | 6.88% | 43% | 0% |
| PA | 8 | $1.3M | $157,500 | 6.84% | 33% | 0% |
| AR | 6 | $610,000 | $101,667 | 7.17% | 54% | 0% |
| OH | 6 | $1.1M | $188,333 | 7.17% | 0% | 0% |
| MO | 3 | $445,000 | $148,333 | 7.58% | 17% | 0% |
| MS | 3 | $255,000 | $85,000 | 7.04% | 40% | 0% |
| KS | 3 | $645,000 | $215,000 | 7% | 25% | 0% |
| WI | 3 | $735,000 | $245,000 | 6.96% | 25% | 0% |
| WV | 2 | $340,000 | $170,000 | 6.5% | 0% | 0% |
| VA | 2 | $550,000 | $275,000 | 6.38% | 40% | 0% |
| MN | 2 | $410,000 | $205,000 | 6.81% | 50% | 0% |
| DE | 2 | $670,000 | $335,000 | 6.75% | 33% | 0% |
| ME | 1 | $115,000 | $115,000 | 6.63% | 0% | 0% |
| SD | 1 | $275,000 | $275,000 | 7.13% | 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.