Manufactured homes are tough to finance in California as well. The ReallyHugeMegaBank that I work for does not finance them in CA at all. But they do in some other states. I never pursued which other states as I’m in CA.
Another gotcha is that more often than not out here, manufactured homes DEPRECIATE to nearly zero value in 20-30 years whereas traditional stick-built houses appreciate in value, or at worst, maintain their value.
By the time I found someone who was willing to write a 200K loan, I was looking at over 10% APR on a 6-year note. It was basically a very large car loan. Remember that depreciation bit? No 25-year mortgage for you, bub!