Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Focus Bank
Focus Bank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
19
+26.7% vs 2024Originations
$1.1M
Loans x average loanAverage loan
$58,684
Average interest rate
n/a
Denial rate
36%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 33 | 19 | $1.1M | $58,684 | n/a | 36% | n/a |
| 2024 | 22 | 15 | $1.4M | $92,333 | n/a | 18% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| AR | 14 | $760,000 | $54,286 | n/a | 25% | n/a |
| MO | 5 | $355,000 | $71,000 | n/a | 54% | n/a |
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.