The Louisville Courier-Journal says a Wall Street Journal analysis of mortgage banking in Kentucky shows people had more trouble getting financing in 2010 than in other states.  Adam Hall, president of the Mortgage Bankers Association of Kentucky says part of the reason in the rural areas is the existence of many manufactured homes that depreciate in value over time.  Hall says, “From a legacy perspective, lenders did not always make sure the vehicle title was properly retired and so that calls into question lien enforcement.  And finally, frequently people will build on or move a manufactured home.  If this occurs, it is no longer eligible for mortgage financing.”  In addition to money being tighter for manufactured home lending in general, he says in rural areas, if the value of the land is more than one-third the total value of the property, it is not eligible for financing.