Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › UNION HOME MORTGAGE CORP.
UNION HOME MORTGAGE CORP.
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
1,499
+44.0% vs 2024Originations
$311.9M
Loans x average loanAverage loan
$208,049
Average interest rate
6.67%
Denial rate
7%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 2,130 | 1,499 | $311.9M | $208,049 | 6.67% | 7% | 0% |
| 2024 | 1,509 | 1,041 | $201.8M | $193,828 | 6.89% | 8% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| FL | 237 | $48.7M | $205,380 | 6.58% | 9% | 0% |
| NC | 151 | $30.7M | $203,146 | 6.63% | 5% | 0% |
| TN | 130 | $26.6M | $204,769 | 6.59% | 5% | 0% |
| MI | 118 | $20.2M | $171,102 | 6.83% | 5% | 0% |
| OH | 104 | $18.4M | $176,731 | 6.81% | 8% | 0% |
| GA | 92 | $16.7M | $181,304 | 6.61% | 8% | 0% |
| TX | 78 | $13.7M | $175,256 | 7.03% | 11% | 0% |
| OR | 68 | $24.3M | $357,941 | 6.65% | 6% | 0% |
| IN | 64 | $10.3M | $161,719 | 7% | 3% | 0% |
| VA | 58 | $14.2M | $244,310 | 6.17% | 8% | 0% |
| KY | 50 | $8.9M | $178,600 | 6.65% | 9% | 0% |
| AZ | 46 | $10.8M | $235,870 | 6.57% | 6% | 0% |
| AL | 45 | $8.1M | $180,778 | 6.75% | 6% | 0% |
| LA | 38 | $5.6M | $148,158 | 6.52% | 11% | 0% |
| SC | 37 | $6.7M | $182,297 | 6.76% | 8% | 0% |
| PA | 32 | $5.3M | $164,063 | 6.74% | 9% | 0% |
| WA | 29 | $11.2M | $386,379 | 6.71% | 5% | 0% |
| CA | 16 | $6.5M | $403,125 | 6.35% | 5% | 0% |
| WI | 14 | $2.9M | $207,143 | 6.79% | 15% | 0% |
| CO | 13 | $5.2M | $397,308 | 6.71% | 0% | 0% |
| MS | 11 | $1.7M | $152,273 | 6.52% | 12% | 0% |
| AR | 9 | $1.4M | $160,556 | 6.5% | 6% | 0% |
| OK | 9 | $1.7M | $187,222 | 6.57% | 7% | 0% |
| WY | 7 | $2.2M | $320,714 | 6.43% | 0% | 0% |
| MT | 7 | $1.9M | $277,857 | 6.37% | 0% | 0% |
| NM | 6 | $1.1M | $185,000 | 7.08% | 8% | 0% |
| MO | 5 | $1.1M | $219,000 | 6.9% | 29% | 0% |
| ID | 4 | $1.5M | $365,000 | 6.81% | 0% | 0% |
| ND | 4 | $1.2M | $302,500 | 6.38% | 33% | 0% |
| NV | 4 | $1.1M | $265,000 | 6.38% | 0% | 0% |
| KS | 2 | $260,000 | $130,000 | 6.69% | 40% | 0% |
| NH | 2 | $230,000 | $115,000 | 7% | 0% | 0% |
| WV | 2 | $360,000 | $180,000 | 6.06% | 38% | 0% |
| MN | 2 | $190,000 | $95,000 | 6.13% | 0% | 0% |
| NJ | 2 | $260,000 | $130,000 | 5.88% | 0% | 0% |
| NE | 1 | $245,000 | $245,000 | 7.25% | 0% | 0% |
| UT | 1 | $225,000 | $225,000 | 6.88% | 0% | 0% |
| MD | 1 | $155,000 | $155,000 | 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.