Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Independence Bank
Independence Bank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
21
+23.5% vs 2024Originations
$8.6M
Loans x average loanAverage loan
$407,857
Average interest rate
n/a
Denial rate
4%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 23 | 21 | $8.6M | $407,857 | n/a | 4% | n/a |
| 2024 | 21 | 17 | $5.6M | $330,882 | n/a | 14% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MT | 21 | $8.6M | $407,857 | n/a | 4% | 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.