Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Local Gov't Federal C U
Local Gov't Federal C U
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
27
-40.0% vs 2024Originations
$2.7M
Loans x average loanAverage loan
$100,185
Average interest rate
6.98%
Denial rate
52%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 75 | 27 | $2.7M | $100,185 | 6.98% | 52% | 0% |
| 2024 | 161 | 45 | $4.7M | $104,778 | 7.69% | 47% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NC | 26 | $2.6M | $100,385 | 7% | 53% | 0% |
| VA | 1 | $95,000 | $95,000 | 6.5% | 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.