Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › TRUSTMARK NATIONAL BANK
TRUSTMARK NATIONAL BANK
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
12
-20.0% vs 2024Originations
$1.1M
Loans x average loanAverage loan
$90,000
Average interest rate
7.6%
Denial rate
32%
Home only share
8%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 34 | 12 | $1.1M | $90,000 | 7.6% | 32% | 8% |
| 2024 | 32 | 15 | $735,000 | $49,000 | 8.5% | 31% | 13% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MS | 9 | $755,000 | $83,889 | 7.93% | 35% | 11% |
| FL | 2 | $230,000 | $115,000 | 6.75% | 0% | 0% |
| AL | 1 | $95,000 | $95,000 | 6.3% | 40% | 0% |
Data source: Home Mortgage Disclosure Act (HMDA). Public annual data from the FFIEC and CFPB, loans reported with a manufactured home construction method. Informational only, not a recommendation of any lender.