Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › ZIONS BANCORPORATION, N.A.
ZIONS BANCORPORATION, N.A.
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
182
-11.7% vs 2024Originations
$22.2M
Loans x average loanAverage loan
$121,923
Average interest rate
7.54%
Denial rate
42%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 481 | 182 | $22.2M | $121,923 | 7.54% | 42% | 0% |
| 2024 | 496 | 206 | $22.6M | $109,563 | 8.6% | 42% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| AZ | 93 | $10.0M | $107,796 | 8.02% | 40% | 0% |
| NV | 36 | $3.9M | $106,944 | 6.54% | 46% | 0% |
| UT | 18 | $2.9M | $160,556 | 7.13% | 33% | 0% |
| CO | 17 | $2.5M | $149,706 | 8.06% | 37% | 0% |
| ID | 12 | $2.1M | $179,167 | 7.02% | 34% | 0% |
| TX | 5 | $425,000 | $85,000 | 6.96% | 54% | 0% |
| CA | 1 | $305,000 | $305,000 | 6.5% | 64% | 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.