Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › The Farmers Bank & Savings Com
The Farmers Bank & Savings Com
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
7
+0.0% vs 2024Originations
$265,000
Loans x average loanAverage loan
$37,857
Average interest rate
12.11%
Denial rate
18%
Home only share
71%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 11 | 7 | $265,000 | $37,857 | 12.11% | 18% | 71% |
| 2024 | 10 | 7 | $525,000 | $75,000 | 10.14% | 0% | 43% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| OH | 5 | $225,000 | $45,000 | 11.85% | 25% | 60% |
| WV | 2 | $40,000 | $20,000 | 12.75% | 0% | 100% |
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.