Mobile Homes/manufactured homes, fall under Federal regulations, HUD is the AHJ, no local inspector has any right to inspect the insides of them.
Codes for mobile homes are CFR 24 3280.800 for electrical
A mobile home manufactured in 2005 would have been under the last adaptation of CFR 24 which resourced the 1993 NEC NFPA 70, requirement for panels in closets was not in the NEC then.
The latest CFR 24 3280.800 uses the 2005 NEC, it was adopted in 2006.
By definition any mobile home manufactured after June, 16, 1986 is by definition a manufactured home,
Attached is the word version of the last cycle (1993)
And here is a link to the 2006 cycle:
CFR 24 3280
Scroll down to .800 for electrical requirements.