Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › WELLS FARGO BANK NA
WELLS FARGO BANK NA
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
53
-23.2% vs 2024Originations
$767.3M
Loans x average loanAverage loan
$14,477,642
Average interest rate
5.7%
Denial rate
79%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 373 | 53 | $767.3M | $14,477,642 | 5.7% | 79% | 0% |
| 2024 | 505 | 69 | $235.2M | $3,408,333 | 5.87% | 81% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| CA | 9 | $208.9M | $23,211,667 | 6.05% | 58% | 0% |
| OR | 6 | $18.2M | $3,038,333 | 5.65% | 60% | 0% |
| OH | 4 | $4.9M | $1,220,000 | 5.43% | 56% | 0% |
| MI | 4 | $76.7M | $19,167,500 | 5.49% | 60% | n/a |
| WA | 4 | $4.6M | $1,150,000 | 5.57% | 50% | 0% |
| NJ | 3 | $134.4M | $44,798,333 | 5.86% | 0% | n/a |
| NY | 3 | $25.5M | $8,495,000 | 5.52% | 67% | n/a |
| FL | 3 | $64.7M | $21,568,333 | 5.95% | 83% | n/a |
| NC | 3 | $215,000 | $71,667 | 4.5% | 83% | 0% |
| NV | 3 | $44.9M | $14,965,000 | 5.48% | 73% | 0% |
| TX | 2 | $12.6M | $6,315,000 | 6.22% | 89% | 0% |
| WV | 1 | $1.7M | $1,745,000 | 6.5% | 67% | n/a |
| GA | 1 | $35,000 | $35,000 | 6.5% | 95% | 0% |
| ME | 1 | $62.0M | $62,005,000 | 6.38% | 50% | n/a |
| MN | 1 | $6.0M | $5,955,000 | 7.87% | 86% | n/a |
| MS | 1 | $125,000 | $125,000 | 3.75% | 67% | 0% |
| NH | 1 | $1.2M | $1,175,000 | 7.93% | 0% | n/a |
| PA | 1 | $8.7M | $8,715,000 | 5.59% | 56% | n/a |
| TN | 1 | $91.8M | $91,845,000 | 5.46% | 91% | n/a |
| AZ | 1 | $105,000 | $105,000 | 3.25% | 95% | 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.