Gain an understanding of issues surrounding manufactured home financing.
Statistical analysis of manufactured home financing transactions, including retail installment financing, are facilitated by the expanded Home Mortgage Disclosure Act (HMDA) data collection and reporting requirements that applied for calendar year 2018 and forward. This white paper reviews how those who live in manufactured home parks by renting space in such parks, and either renting or owning the manufactured homes situated in such parks, may be disproportionately low-income, compared to persons who live in site built homes, and how manufactured homeowners and renters also may include higher numbers of persons with low English language proficiency which raises demographic-related compliance concerns.
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