Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › 1st Signature Lending, LLC
1st Signature Lending, LLC
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
784
+29.2% vs 2024Originations
$194.2M
Loans x average loanAverage loan
$247,730
Average interest rate
5.9%
Denial rate
5%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 1,261 | 784 | $194.2M | $247,730 | 5.9% | 5% | 0% |
| 2024 | 968 | 607 | $146.6M | $241,540 | 6.26% | 8% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| SC | 173 | $42.4M | $245,231 | 5.87% | 5% | 0% |
| NC | 167 | $39.6M | $237,275 | 5.84% | 3% | 0% |
| TN | 110 | $29.8M | $270,455 | 5.96% | 4% | 0% |
| FL | 109 | $27.7M | $254,541 | 5.99% | 2% | 0% |
| GA | 44 | $10.0M | $227,500 | 5.86% | 11% | 0% |
| KY | 44 | $10.3M | $235,227 | 5.79% | 2% | 0% |
| TX | 42 | $11.4M | $270,952 | 6.11% | 5% | 0% |
| IN | 23 | $5.2M | $225,000 | 5.88% | 11% | 0% |
| AL | 21 | $4.5M | $213,571 | 5.82% | 8% | 0% |
| VA | 18 | $4.8M | $267,778 | 6.07% | 8% | 0% |
| OH | 12 | $3.2M | $267,500 | 5.67% | 11% | 0% |
| OK | 8 | $2.0M | $245,000 | 5.95% | 6% | 0% |
| PA | 5 | $1.3M | $261,000 | 5.73% | 17% | 0% |
| AR | 3 | $785,000 | $261,667 | 5.96% | 0% | 0% |
| WV | 2 | $520,000 | $260,000 | 5.88% | 17% | 0% |
| MS | 2 | $440,000 | $220,000 | 5.75% | 0% | 0% |
| NM | 1 | $235,000 | $235,000 | 5.5% | 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.