Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › EVERETT FINANCIAL, INC.
EVERETT FINANCIAL, INC.
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
599
+15.2% vs 2024Originations
$103.9M
Loans x average loanAverage loan
$173,497
Average interest rate
6.66%
Denial rate
9%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 975 | 599 | $103.9M | $173,497 | 6.66% | 9% | 0% |
| 2024 | 759 | 520 | $85.2M | $163,846 | 6.77% | 12% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| FL | 173 | $27.3M | $157,775 | 7.06% | 11% | 0% |
| KY | 78 | $7.3M | $93,462 | 5.39% | 6% | 0% |
| TX | 71 | $16.6M | $233,451 | 6.78% | 6% | 0% |
| TN | 53 | $9.0M | $168,962 | 6.92% | 17% | 0% |
| GA | 32 | $5.5M | $171,250 | 6.99% | 19% | 0% |
| NY | 26 | $4.0M | $154,231 | 6.83% | 6% | 0% |
| MI | 19 | $3.0M | $158,158 | 7.09% | 6% | 0% |
| AL | 18 | $1.9M | $108,333 | 6.45% | 16% | 0% |
| MN | 16 | $3.1M | $194,375 | 6.67% | 9% | 0% |
| NC | 15 | $3.2M | $216,333 | 6.79% | 4% | 0% |
| CA | 14 | $4.0M | $289,286 | 6.6% | 5% | 0% |
| SC | 13 | $2.2M | $170,385 | 6.91% | 5% | 0% |
| IN | 10 | $1.9M | $194,000 | 6.72% | 0% | 0% |
| WA | 8 | $1.9M | $243,750 | 7.09% | 0% | 0% |
| OR | 7 | $2.4M | $342,143 | 6.7% | 0% | 0% |
| NH | 6 | $1.4M | $241,667 | 6.1% | 10% | 0% |
| CO | 6 | $2.0M | $333,333 | 6.63% | 0% | 0% |
| OK | 6 | $1.4M | $226,667 | 7.04% | 0% | 0% |
| WI | 5 | $1.0M | $209,000 | 6.58% | 17% | 0% |
| ME | 5 | $845,000 | $169,000 | 6.68% | 0% | 0% |
| AZ | 4 | $840,000 | $210,000 | 6.56% | 11% | 0% |
| MO | 3 | $495,000 | $165,000 | 6.67% | 0% | 0% |
| ID | 3 | $925,000 | $308,333 | 5.92% | 0% | 0% |
| PA | 1 | $235,000 | $235,000 | 6.38% | 17% | n/a |
| RI | 1 | $155,000 | $155,000 | 6.63% | 0% | 0% |
| LA | 1 | $175,000 | $175,000 | 5.88% | 0% | 0% |
| VA | 1 | $135,000 | $135,000 | 7.63% | 20% | 0% |
| NV | 1 | $165,000 | $165,000 | 6.38% | 0% | 0% |
| AR | 1 | $105,000 | $105,000 | 6.63% | 0% | 0% |
| NM | 1 | $175,000 | $175,000 | 7.13% | 0% | 0% |
| MT | 1 | $355,000 | $355,000 | 6.13% | 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.