Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Stride Bank, National Association
Stride Bank, National Association
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
27
+17.4% vs 2024Originations
$5.4M
Loans x average loanAverage loan
$199,815
Average interest rate
6.7%
Denial rate
11%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 36 | 27 | $5.4M | $199,815 | 6.7% | 11% | 0% |
| 2024 | 37 | 23 | $5.0M | $217,174 | 6.55% | 11% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| OK | 21 | $3.8M | $178,810 | 6.71% | 12% | 0% |
| FL | 2 | $270,000 | $135,000 | 6.88% | 0% | 0% |
| TX | 2 | $600,000 | $300,000 | 6.31% | 0% | 0% |
| NC | 1 | $385,000 | $385,000 | 6.5% | 0% | 0% |
| WA | 1 | $385,000 | $385,000 | 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.