Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › IXONIA BANK
IXONIA BANK
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
124
+90.8% vs 2024Originations
$23.5M
Loans x average loanAverage loan
$189,355
Average interest rate
6.79%
Denial rate
6%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 185 | 124 | $23.5M | $189,355 | 6.79% | 6% | 0% |
| 2024 | 85 | 65 | $12.1M | $186,846 | 6.97% | 7% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NC | 22 | $4.0M | $180,000 | 6.82% | 0% | 0% |
| FL | 17 | $3.4M | $198,529 | 6.69% | 10% | 0% |
| PA | 15 | $2.2M | $147,000 | 6.77% | 5% | 0% |
| WI | 9 | $835,000 | $92,778 | 7.28% | 8% | 0% |
| OH | 8 | $1.5M | $182,500 | 7.08% | 10% | 0% |
| AL | 7 | $1.1M | $160,714 | 6.21% | 18% | 0% |
| VA | 7 | $1.2M | $176,429 | 6.11% | 0% | 0% |
| TN | 6 | $1.7M | $283,333 | 6.62% | 11% | 0% |
| IN | 5 | $775,000 | $155,000 | 7.55% | 0% | 0% |
| OR | 5 | $1.8M | $359,000 | 6.58% | 0% | 0% |
| TX | 5 | $855,000 | $171,000 | 6.58% | 0% | 0% |
| OK | 4 | $780,000 | $195,000 | 6.81% | 0% | 0% |
| KY | 4 | $770,000 | $192,500 | 7.81% | 17% | 0% |
| SC | 2 | $380,000 | $190,000 | 6.56% | 0% | 0% |
| CO | 2 | $730,000 | $365,000 | 6.75% | 0% | 0% |
| CA | 2 | $710,000 | $355,000 | 6.44% | 0% | 0% |
| MT | 1 | $255,000 | $255,000 | 5.75% | 0% | 0% |
| AZ | 1 | $235,000 | $235,000 | 6.63% | 0% | 0% |
| IL | 1 | $155,000 | $155,000 | 7.13% | 0% | 0% |
| NY | 1 | $145,000 | $145,000 | 6.99% | 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.