Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Village Capital & Investment
Village Capital & Investment
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
651
+30.7% vs 2024Originations
$166.6M
Loans x average loanAverage loan
$255,906
Average interest rate
6.06%
Denial rate
18%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 1,436 | 651 | $166.6M | $255,906 | 6.06% | 18% | 0% |
| 2024 | 1,002 | 498 | $120.6M | $242,229 | 6.13% | 13% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NC | 91 | $20.3M | $222,582 | 6.04% | 16% | 0% |
| FL | 61 | $16.2M | $265,000 | 5.99% | 21% | 0% |
| TX | 52 | $13.6M | $261,154 | 6.16% | 3% | 0% |
| SC | 45 | $10.9M | $242,556 | 6.04% | 13% | 0% |
| TN | 44 | $10.8M | $245,682 | 5.99% | 24% | 0% |
| AZ | 34 | $9.3M | $273,235 | 6.04% | 22% | 0% |
| MO | 31 | $6.5M | $208,226 | 6.15% | 8% | 0% |
| CA | 27 | $9.8M | $364,630 | 6.16% | 17% | 0% |
| WA | 23 | $8.6M | $375,435 | 5.95% | 24% | 0% |
| OR | 22 | $7.5M | $343,182 | 5.87% | 25% | 0% |
| GA | 21 | $4.9M | $233,571 | 6.1% | 18% | 0% |
| NV | 20 | $6.0M | $298,500 | 6.22% | 14% | 0% |
| VA | 18 | $4.6M | $257,222 | 6.11% | 15% | 0% |
| KY | 16 | $3.3M | $204,375 | 5.97% | 15% | 0% |
| LA | 15 | $2.9M | $195,000 | 6.11% | 9% | 0% |
| MI | 15 | $2.7M | $179,667 | 6.23% | 13% | 0% |
| AL | 15 | $3.2M | $211,667 | 6.02% | 11% | 0% |
| CO | 13 | $4.5M | $345,769 | 6.09% | 19% | 0% |
| IN | 12 | $2.5M | $210,000 | 5.83% | 12% | 0% |
| OH | 11 | $2.3M | $210,455 | 6.13% | 29% | 0% |
| OK | 9 | $2.4M | $271,667 | 5.75% | 5% | 0% |
| NM | 8 | $1.9M | $238,750 | 6.09% | 27% | 0% |
| AR | 7 | $1.1M | $157,857 | 6.32% | 33% | 0% |
| ID | 6 | $2.2M | $360,000 | 5.91% | 27% | 0% |
| WV | 5 | $985,000 | $197,000 | 6.15% | 11% | 0% |
| ME | 5 | $1.3M | $253,000 | 6.2% | 20% | 0% |
| MS | 3 | $485,000 | $161,667 | 6.5% | 13% | 0% |
| KS | 3 | $675,000 | $225,000 | 5.75% | 0% | 0% |
| PA | 3 | $505,000 | $168,333 | 6.58% | 40% | 0% |
| WY | 2 | $500,000 | $250,000 | 5.75% | 50% | 0% |
| MN | 2 | $530,000 | $265,000 | 6.5% | 43% | 0% |
| MD | 2 | $610,000 | $305,000 | 5.5% | 20% | 0% |
| UT | 2 | $880,000 | $440,000 | 6.81% | 13% | 0% |
| IL | 2 | $270,000 | $135,000 | 6.12% | 20% | 0% |
| ND | 1 | $435,000 | $435,000 | 5.49% | 0% | 0% |
| VT | 1 | $275,000 | $275,000 | 5.75% | 0% | 0% |
| MT | 1 | $325,000 | $325,000 | 5.99% | 40% | 0% |
| IA | 1 | $325,000 | $325,000 | 6.63% | 40% | 0% |
| WI | 1 | $265,000 | $265,000 | 5.75% | 33% | 0% |
| DE | 1 | $245,000 | $245,000 | 5.99% | 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.