Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Community Trust Bank, Inc.
Community Trust Bank, Inc.
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
405
+22.7% vs 2024Originations
$49.8M
Loans x average loanAverage loan
$123,074
Average interest rate
6.64%
Denial rate
18%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 552 | 405 | $49.8M | $123,074 | 6.64% | 18% | 0% |
| 2024 | 483 | 330 | $32.2M | $97,455 | 7.53% | 21% | 1% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| KY | 339 | $40.3M | $118,864 | 6.66% | 17% | 1% |
| TN | 30 | $4.8M | $161,333 | 6.37% | 11% | 0% |
| WV | 30 | $3.9M | $129,333 | 6.71% | 24% | 0% |
| OH | 3 | $395,000 | $131,667 | 7% | 20% | 0% |
| VA | 2 | $300,000 | $150,000 | 5.75% | 50% | 0% |
| IN | 1 | $135,000 | $135,000 | 7% | 0% | 0% |
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.