Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Mascoma Bank
Mascoma Bank
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
61
+8.9% vs 2024Originations
$6.2M
Loans x average loanAverage loan
$101,721
Average interest rate
6.97%
Denial rate
23%
Home only share
41%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 84 | 61 | $6.2M | $101,721 | 6.97% | 23% | 41% |
| 2024 | 94 | 56 | $4.4M | $79,286 | 7.4% | 31% | 41% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NH | 32 | $3.5M | $108,438 | 6.97% | 17% | 38% |
| VT | 29 | $2.7M | $94,310 | 6.96% | 27% | 45% |
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.