Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › City 1st Mortgage Services, LC
City 1st Mortgage Services, LC
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
33
-19.5% vs 2024Originations
$7.6M
Loans x average loanAverage loan
$230,152
Average interest rate
7.08%
Denial rate
15%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 106 | 33 | $7.6M | $230,152 | 7.08% | 15% | 0% |
| 2024 | 64 | 41 | $9.7M | $236,220 | 6.86% | 9% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| TX | 5 | $945,000 | $189,000 | 6.97% | 14% | 0% |
| SC | 3 | $585,000 | $195,000 | 6.42% | 20% | 0% |
| AZ | 3 | $795,000 | $265,000 | 6.46% | 0% | 0% |
| UT | 3 | $715,000 | $238,333 | 7.5% | 0% | 0% |
| AK | 2 | $660,000 | $330,000 | 6.44% | 0% | 0% |
| CA | 2 | $1.3M | $625,000 | 8.12% | 0% | 0% |
| MI | 2 | $370,000 | $185,000 | 6.94% | 0% | 0% |
| MO | 2 | $370,000 | $185,000 | 6.63% | 11% | 0% |
| NJ | 2 | $340,000 | $170,000 | 7.88% | 0% | 0% |
| VA | 2 | $30,000 | $15,000 | 8.75% | 0% | 0% |
| WA | 1 | $235,000 | $235,000 | 7.13% | 0% | 0% |
| OR | 1 | $475,000 | $475,000 | 6.99% | 0% | 0% |
| IN | 1 | $205,000 | $205,000 | 7.13% | 0% | 0% |
| KY | 1 | $85,000 | $85,000 | 7.25% | 33% | 0% |
| ID | 1 | $205,000 | $205,000 | 7.25% | 0% | 0% |
| GA | 1 | $205,000 | $205,000 | 6.5% | 33% | 0% |
| MT | 1 | $125,000 | $125,000 | 6.75% | 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.