Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Sound Community Bank
Sound Community Bank
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
106
-19.7% vs 2024Originations
$11.7M
Loans x average loanAverage loan
$110,472
Average interest rate
8.58%
Denial rate
20%
Home only share
84%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 152 | 106 | $11.7M | $110,472 | 8.58% | 20% | 84% |
| 2024 | 211 | 132 | $15.1M | $114,545 | 8.65% | 24% | 83% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WA | 106 | $11.7M | $110,472 | 8.58% | 20% | 84% |
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.