Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › CITY LENDING INC.
CITY LENDING INC.
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
28
+64.7% vs 2024Originations
$4.7M
Loans x average loanAverage loan
$169,286
Average interest rate
7.41%
Denial rate
14%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 37 | 28 | $4.7M | $169,286 | 7.41% | 14% | 0% |
| 2024 | 28 | 17 | $4.4M | $256,176 | 7.66% | 32% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| TX | 9 | $1.3M | $142,778 | 7.25% | 0% | 0% |
| FL | 8 | $1.6M | $206,250 | 6.96% | 17% | 0% |
| VA | 5 | $955,000 | $191,000 | 7.56% | 0% | 0% |
| NC | 4 | $590,000 | $147,500 | 7.97% | 0% | 0% |
| TN | 2 | $260,000 | $130,000 | 7.99% | 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.