Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Northpointe Bank
Northpointe Bank
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
85
-12.4% vs 2024Originations
$15.1M
Loans x average loanAverage loan
$178,176
Average interest rate
6.47%
Denial rate
19%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 189 | 85 | $15.1M | $178,176 | 6.47% | 19% | 0% |
| 2024 | 164 | 97 | $16.1M | $166,237 | 6.58% | 10% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| KY | 24 | $3.6M | $151,250 | 5.98% | 20% | 0% |
| WA | 10 | $2.2M | $223,000 | 6.64% | 13% | 0% |
| MI | 9 | $1.4M | $152,778 | 6.42% | 26% | 0% |
| IN | 9 | $1.1M | $117,222 | 6.64% | 13% | 0% |
| CO | 8 | $1.9M | $231,250 | 6.59% | 19% | 0% |
| GA | 4 | $630,000 | $157,500 | 6.91% | 29% | 0% |
| FL | 4 | $600,000 | $150,000 | 7.47% | 0% | 0% |
| DE | 3 | $755,000 | $251,667 | 6.41% | 20% | 0% |
| UT | 3 | $645,000 | $215,000 | 7.04% | 0% | 0% |
| SC | 2 | $540,000 | $270,000 | 6.38% | 20% | 0% |
| NY | 2 | $300,000 | $150,000 | 6.56% | 0% | 0% |
| NC | 2 | $420,000 | $210,000 | 6.25% | 14% | 0% |
| TN | 2 | $160,000 | $80,000 | 7.25% | 50% | 0% |
| NV | 1 | $225,000 | $225,000 | 5.63% | 0% | 0% |
| AZ | 1 | $265,000 | $265,000 | 6.75% | 0% | 0% |
| CA | 1 | $465,000 | $465,000 | 7% | 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.