Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › ATLANTIC BAY MORTGAGE GROUP
ATLANTIC BAY MORTGAGE GROUP
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
702
+6.8% vs 2024Originations
$120.2M
Loans x average loanAverage loan
$171,225
Average interest rate
6.88%
Denial rate
3%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 965 | 702 | $120.2M | $171,225 | 6.88% | 3% | 0% |
| 2024 | 903 | 657 | $112.8M | $171,682 | 7.02% | 2% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NC | 441 | $80.0M | $181,349 | 6.95% | 2% | 0% |
| VA | 146 | $21.4M | $146,712 | 6.82% | 1% | 0% |
| SC | 60 | $10.6M | $177,000 | 6.88% | 8% | 0% |
| KY | 27 | $3.6M | $132,407 | 6.05% | 9% | 0% |
| FL | 14 | $2.4M | $170,000 | 7.15% | 12% | 0% |
| GA | 11 | $1.7M | $153,182 | 7% | 0% | 0% |
| WV | 1 | $155,000 | $155,000 | 6.75% | 0% | 0% |
| TN | 1 | $305,000 | $305,000 | 6.25% | 0% | 0% |
| AL | 1 | $85,000 | $85,000 | 7.75% | 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.