Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › First National Bank of Kentucky
First National Bank of Kentucky
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
14
+55.6% vs 2024Originations
$1.5M
Loans x average loanAverage loan
$109,286
Average interest rate
n/a
Denial rate
18%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 17 | 14 | $1.5M | $109,286 | n/a | 18% | n/a |
| 2024 | 10 | 9 | $1.2M | $128,333 | n/a | 10% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| KY | 14 | $1.5M | $109,286 | n/a | 18% | 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.