Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › The First National Bank of Groton
The First National Bank of Groton
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
15
+15.4% vs 2024Originations
$2.2M
Loans x average loanAverage loan
$146,333
Average interest rate
n/a
Denial rate
17%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 18 | 15 | $2.2M | $146,333 | n/a | 17% | n/a |
| 2024 | 20 | 13 | $875,000 | $67,308 | n/a | 35% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NY | 15 | $2.2M | $146,333 | n/a | 17% | 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.