Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › US BANK, N.A.
US BANK, N.A.
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
562
-11.4% vs 2024Originations
$84.5M
Loans x average loanAverage loan
$150,409
Average interest rate
7.08%
Denial rate
64%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 2,238 | 562 | $84.5M | $150,409 | 7.08% | 64% | 0% |
| 2024 | 2,301 | 634 | $89.8M | $141,703 | 7.45% | 61% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| KY | 87 | $8.5M | $97,529 | 6.48% | 45% | 0% |
| OR | 65 | $11.0M | $169,769 | 7.21% | 60% | 0% |
| CA | 44 | $9.0M | $203,636 | 7.08% | 70% | 0% |
| WA | 42 | $10.3M | $244,048 | 7.1% | 68% | 0% |
| TN | 34 | $4.1M | $120,588 | 7.43% | 62% | 0% |
| AZ | 34 | $4.8M | $140,000 | 7.34% | 67% | 0% |
| OH | 33 | $4.2M | $128,333 | 7.01% | 63% | 0% |
| MO | 28 | $3.6M | $127,857 | 6.92% | 65% | 0% |
| ID | 26 | $3.1M | $120,000 | 7.84% | 53% | 0% |
| NV | 26 | $4.2M | $159,615 | 7.7% | 68% | 0% |
| CO | 17 | $2.2M | $129,706 | 7.49% | 64% | 0% |
| IL | 15 | $1.8M | $123,000 | 6.58% | 50% | 0% |
| WI | 14 | $2.4M | $170,714 | 6.89% | 60% | 0% |
| AR | 12 | $1.7M | $140,000 | 6.8% | 67% | 0% |
| IA | 11 | $1.3M | $114,091 | 7.23% | 43% | 0% |
| MN | 10 | $1.2M | $116,000 | 7.64% | 61% | 0% |
| IN | 8 | $1.0M | $127,500 | 7.23% | 67% | 0% |
| NC | 8 | $1.8M | $218,750 | 6.28% | 80% | 0% |
| MT | 7 | $1.6M | $223,571 | 7.26% | 54% | 0% |
| NM | 6 | $690,000 | $115,000 | 7.62% | 67% | 0% |
| TX | 5 | $875,000 | $175,000 | 6.65% | 71% | 0% |
| FL | 5 | $955,000 | $191,000 | 6.32% | 84% | 0% |
| WY | 4 | $880,000 | $220,000 | 7.52% | 69% | 0% |
| KS | 4 | $470,000 | $117,500 | 7.21% | 45% | 0% |
| SD | 4 | $1.2M | $297,500 | 6.53% | 50% | 0% |
| MI | 3 | $315,000 | $105,000 | 7.48% | 75% | 0% |
| NE | 2 | $140,000 | $70,000 | 7.24% | 85% | 0% |
| WV | 2 | $290,000 | $145,000 | 6.5% | 50% | 0% |
| OK | 2 | $470,000 | $235,000 | 6.75% | 65% | 0% |
| SC | 1 | $65,000 | $65,000 | 4.95% | 88% | 0% |
| UT | 1 | $375,000 | $375,000 | 6.75% | 78% | 0% |
| ND | 1 | $165,000 | $165,000 | 5.99% | 0% | 0% |
| AL | 1 | $105,000 | $105,000 | 7.85% | 50% | 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.