Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › V.I.P. MORTGAGE, INC.
V.I.P. MORTGAGE, INC.
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
262
+31.7% vs 2024Originations
$62.9M
Loans x average loanAverage loan
$239,885
Average interest rate
6.67%
Denial rate
6%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 361 | 262 | $62.9M | $239,885 | 6.67% | 6% | 0% |
| 2024 | 341 | 199 | $51.2M | $257,462 | 6.85% | 5% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| AZ | 121 | $30.8M | $254,174 | 6.75% | 7% | 0% |
| NM | 41 | $5.8M | $140,854 | 6.87% | 3% | 0% |
| CO | 37 | $8.8M | $238,784 | 6.52% | 4% | 0% |
| TX | 16 | $4.3M | $268,750 | 6.37% | 8% | 0% |
| OK | 13 | $2.7M | $204,231 | 6.69% | 11% | 0% |
| CA | 6 | $1.9M | $321,667 | 5.48% | 0% | 0% |
| NC | 5 | $1.3M | $265,000 | 6.63% | 0% | 0% |
| WA | 4 | $1.4M | $355,000 | 6.72% | 0% | 0% |
| OR | 4 | $1.6M | $402,500 | 6.25% | 25% | 0% |
| MT | 3 | $1.3M | $431,667 | 6.62% | 25% | 0% |
| ND | 2 | $550,000 | $275,000 | 6.31% | 0% | 0% |
| FL | 2 | $520,000 | $260,000 | 7.31% | 25% | 0% |
| NV | 2 | $400,000 | $200,000 | 6.25% | 0% | 0% |
| TN | 1 | $125,000 | $125,000 | 7.13% | 0% | 0% |
| UT | 1 | $285,000 | $285,000 | 7.88% | 0% | 0% |
| AL | 1 | $185,000 | $185,000 | 6.5% | 0% | 0% |
| MN | 1 | $325,000 | $325,000 | 6.62% | 0% | 0% |
| IN | 1 | $175,000 | $175,000 | 5.99% | 0% | 0% |
| MO | 1 | $385,000 | $385,000 | 6.63% | 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.