Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Dayspring bank
Dayspring bank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
7
+250.0% vs 2024Originations
$7.8M
Loans x average loanAverage loan
$1,113,571
Average interest rate
7.27%
Denial rate
11%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 9 | 7 | $7.8M | $1,113,571 | 7.27% | 11% | 0% |
| 2024 | 2 | 2 | $190,000 | $95,000 | 8.65% | 0% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NE | 6 | $1.5M | $251,667 | 7.15% | 13% | 0% |
| IA | 1 | $6.3M | $6,285,000 | 8% | 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.