Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Zippy Loans, LLC
Zippy Loans, LLC
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
2,547
+53.7% vs 2024Originations
$114.6M
Loans x average loanAverage loan
$45,000
Average interest rate
8.88%
Denial rate
36%
Home only share
100%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 10,388 | 2,547 | $114.6M | $45,000 | 8.88% | 36% | 100% |
| 2024 | 6,698 | 1,657 | $80.5M | $48,609 | 9.61% | 41% | 100% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| IN | 514 | $18.1M | $35,136 | 8.48% | 39% | 100% |
| MI | 449 | $22.3M | $49,610 | 9.37% | 35% | 100% |
| WI | 337 | $18.6M | $55,059 | 8.18% | 32% | 100% |
| KS | 335 | $13.4M | $39,925 | 8.59% | 30% | 100% |
| IL | 282 | $8.6M | $30,390 | 8.37% | 39% | 100% |
| TX | 174 | $10.0M | $57,299 | 10.07% | 33% | 100% |
| FL | 129 | $7.0M | $54,612 | 8.58% | 47% | 100% |
| MO | 63 | $3.2M | $50,873 | 8.86% | 31% | 100% |
| OH | 56 | $3.2M | $57,857 | 9.96% | 26% | 100% |
| AZ | 32 | $1.8M | $55,938 | 9.54% | 41% | 100% |
| KY | 30 | $1.1M | $36,333 | 10% | 39% | 100% |
| IA | 30 | $1.5M | $50,000 | 10.2% | 33% | 100% |
| AL | 27 | $1.2M | $44,630 | 10.37% | 24% | 100% |
| GA | 22 | $1.2M | $52,727 | 10% | 46% | 100% |
| TN | 21 | $1.0M | $48,810 | 9.72% | 45% | 100% |
| OK | 20 | $820,000 | $41,000 | 10.67% | 42% | 100% |
| SC | 15 | $845,000 | $56,333 | 10.34% | 40% | 100% |
| CO | 6 | $480,000 | $80,000 | 9.58% | 27% | 100% |
| VA | 3 | $245,000 | $81,667 | 9.32% | 17% | 100% |
| AR | 2 | $160,000 | $80,000 | 9.18% | 40% | 100% |
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.