Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Reliance First Capital, LLC
Reliance First Capital, LLC
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
149
-0.7% vs 2024Originations
$23.7M
Loans x average loanAverage loan
$158,960
Average interest rate
6.66%
Denial rate
6%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 209 | 149 | $23.7M | $158,960 | 6.66% | 6% | 0% |
| 2024 | 195 | 150 | $23.5M | $156,533 | 6.75% | 8% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NC | 50 | $8.0M | $160,000 | 6.57% | 8% | 0% |
| TN | 20 | $3.2M | $160,500 | 6.68% | 3% | 0% |
| FL | 14 | $2.1M | $151,429 | 6.79% | 14% | 0% |
| VA | 10 | $1.3M | $129,000 | 7.05% | 0% | 0% |
| PA | 9 | $1.4M | $157,222 | 6.65% | 8% | 0% |
| SC | 8 | $1.4M | $178,750 | 6.66% | 8% | 0% |
| GA | 8 | $1.3M | $158,750 | 6.75% | 0% | 0% |
| OH | 7 | $1.1M | $163,571 | 6.66% | 0% | 0% |
| IN | 5 | $645,000 | $129,000 | 6.95% | 0% | 0% |
| KY | 4 | $610,000 | $152,500 | 6.4% | 0% | 0% |
| AL | 2 | $200,000 | $100,000 | 6.31% | 0% | 0% |
| DE | 2 | $510,000 | $255,000 | 6.69% | 0% | 0% |
| WY | 1 | $95,000 | $95,000 | 6.25% | 0% | 0% |
| AR | 1 | $155,000 | $155,000 | 7.25% | 0% | 0% |
| CO | 1 | $75,000 | $75,000 | 5.99% | 0% | 0% |
| LA | 1 | $255,000 | $255,000 | 6.75% | 0% | 0% |
| MA | 1 | $245,000 | $245,000 | 5.88% | 0% | 0% |
| MD | 1 | $145,000 | $145,000 | 6.63% | 0% | 0% |
| MN | 1 | $265,000 | $265,000 | 7.25% | 0% | 0% |
| MS | 1 | $185,000 | $185,000 | 6.38% | 0% | 0% |
| NH | 1 | $295,000 | $295,000 | 5.99% | 0% | 0% |
| NY | 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.