Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › FIRST NATIONAL BANK
FIRST NATIONAL BANK
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
8
-46.7% vs 2024Originations
$1.7M
Loans x average loanAverage loan
$212,500
Average interest rate
n/a
Denial rate
23%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 13 | 8 | $1.7M | $212,500 | n/a | 23% | n/a |
| 2024 | 17 | 15 | $3.8M | $252,333 | n/a | 6% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| SD | 7 | $1.2M | $170,714 | n/a | 25% | n/a |
| TX | 1 | $505,000 | $505,000 | n/a | 0% | 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.