Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › BAYCOAST BANK
BAYCOAST BANK
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
63
-35.1% vs 2024Originations
$4.3M
Loans x average loanAverage loan
$68,333
Average interest rate
8.68%
Denial rate
14%
Home only share
100%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 124 | 63 | $4.3M | $68,333 | 8.68% | 14% | 100% |
| 2024 | 219 | 97 | $7.2M | $74,072 | 8.79% | 12% | 100% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MA | 17 | $1.4M | $85,000 | 8.68% | 12% | 100% |
| NH | 6 | $450,000 | $75,000 | 9% | 18% | 100% |
| AZ | 5 | $245,000 | $49,000 | 8.45% | 13% | 100% |
| NJ | 5 | $315,000 | $63,000 | 8.6% | 14% | 100% |
| NY | 5 | $305,000 | $61,000 | 8.78% | 0% | 100% |
| ID | 4 | $360,000 | $90,000 | 8.61% | 14% | 100% |
| OR | 3 | $215,000 | $71,667 | 8.25% | 0% | 100% |
| PA | 3 | $225,000 | $75,000 | 8.17% | 29% | 100% |
| CT | 3 | $195,000 | $65,000 | 8.73% | 17% | 100% |
| WA | 3 | $175,000 | $58,333 | 8.72% | 25% | 100% |
| FL | 3 | $95,000 | $31,667 | 9.42% | 0% | 100% |
| OH | 2 | $90,000 | $45,000 | 8.63% | 0% | 100% |
| MI | 2 | $80,000 | $40,000 | 8.13% | 0% | 100% |
| DE | 1 | $65,000 | $65,000 | 9.25% | 0% | 100% |
| RI | 1 | $45,000 | $45,000 | 9.25% | 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.