Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Mortgage Center LC
Mortgage Center LC
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
22
+0.0% vs 2024Originations
$3.5M
Loans x average loanAverage loan
$159,091
Average interest rate
6.58%
Denial rate
24%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 45 | 22 | $3.5M | $159,091 | 6.58% | 24% | 0% |
| 2024 | 39 | 22 | $3.3M | $150,000 | 6.48% | 23% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MI | 20 | $3.3M | $163,000 | 6.53% | 23% | 0% |
| OH | 1 | $155,000 | $155,000 | 6.63% | 50% | 0% |
| TN | 1 | $85,000 | $85,000 | 7.63% | 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.