I believe that is because when you finance a house you're financing the land+house combination, with the land making up the majority of value in most urban areas - when you finance a mobile home you are only financing the home, which depreciates (unlike the land component) - hence its a higher risk loan and therefore more expensive to finance.
FWIW The Internet's development was funded by DARPA - The U.S.'s Defense Advanced Research Projects Agency. For better or worse defense/offense has driven significant innovation for humanity, which has created many non-violent related benefits.
Somewhat tangentially related to people being afraid of Racoons carrying rabies, a Racoon risk people should actually be aware of is inhaling a parasite from their feces by mistake (i.e. sweeping/leaf blower, or children playing in a sandbox or yard where racoon does their business)