Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › AgCarolina Farm Credit, ACA
AgCarolina Farm Credit, ACA
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
20
+33.3% vs 2024Originations
$4.2M
Loans x average loanAverage loan
$211,500
Average interest rate
7.88%
Denial rate
13%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 30 | 20 | $4.2M | $211,500 | 7.88% | 13% | 0% |
| 2024 | 19 | 15 | $2.6M | $173,667 | 8.37% | 5% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NC | 20 | $4.2M | $211,500 | 7.88% | 13% | 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.