Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › NATIONS DIRECT MORTGAGE, LLC
NATIONS DIRECT MORTGAGE, LLC
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
127
+51.2% vs 2024Originations
$32.2M
Loans x average loanAverage loan
$253,819
Average interest rate
6.71%
Denial rate
9%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 195 | 127 | $32.2M | $253,819 | 6.71% | 9% | 0% |
| 2024 | 139 | 84 | $24.7M | $293,929 | 6.76% | 15% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| OR | 39 | $12.9M | $329,872 | 6.55% | 2% | 0% |
| FL | 15 | $2.7M | $177,000 | 6.71% | 4% | 0% |
| WA | 15 | $5.2M | $345,000 | 6.41% | 4% | 0% |
| CA | 10 | $2.8M | $277,000 | 6.11% | 19% | 0% |
| SC | 9 | $1.6M | $172,778 | 6.77% | 9% | 0% |
| AZ | 6 | $1.1M | $175,000 | 8% | 14% | 0% |
| IL | 4 | $620,000 | $155,000 | 6.84% | 0% | 0% |
| GA | 4 | $500,000 | $125,000 | 7.38% | 17% | 0% |
| TN | 4 | $980,000 | $245,000 | 6.59% | 0% | 0% |
| TX | 4 | $920,000 | $230,000 | 6.75% | 14% | 0% |
| ID | 3 | $1.0M | $335,000 | 6.91% | 0% | 0% |
| PA | 3 | $525,000 | $175,000 | 6.58% | 0% | 0% |
| MO | 2 | $210,000 | $105,000 | 8.75% | 0% | 0% |
| KY | 2 | $300,000 | $150,000 | 6.44% | 0% | 0% |
| NC | 2 | $300,000 | $150,000 | 6.62% | 60% | 0% |
| NV | 2 | $160,000 | $80,000 | 8.13% | 50% | 0% |
| OH | 1 | $275,000 | $275,000 | 5.88% | 0% | 0% |
| AL | 1 | $195,000 | $195,000 | 6.75% | 0% | 0% |
| LA | 1 | $175,000 | $175,000 | 6.25% | 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.