Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › UMPQUA BANK
UMPQUA BANK
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
322
+4.9% vs 2024Originations
$68.2M
Loans x average loanAverage loan
$211,832
Average interest rate
7.48%
Denial rate
32%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 610 | 322 | $68.2M | $211,832 | 7.48% | 32% | 0% |
| 2024 | 559 | 307 | $59.7M | $194,446 | 8.13% | 27% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| OR | 187 | $37.5M | $200,722 | 7.52% | 30% | 0% |
| WA | 87 | $20.4M | $234,195 | 7.59% | 36% | 0% |
| CA | 35 | $8.2M | $233,000 | 7.02% | 24% | 0% |
| ID | 11 | $1.7M | $158,636 | 7.63% | 48% | 0% |
| AZ | 1 | $205,000 | $205,000 | 7.88% | 33% | 0% |
| NV | 1 | $195,000 | $195,000 | 7.25% | 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.