Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Wilson Bank and Trust
Wilson Bank and Trust
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
22
+37.5% vs 2024Originations
$3.0M
Loans x average loanAverage loan
$134,545
Average interest rate
9.28%
Denial rate
14%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 37 | 22 | $3.0M | $134,545 | 9.28% | 14% | 0% |
| 2024 | 42 | 16 | $2.2M | $135,000 | 8.4% | 26% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| TN | 22 | $3.0M | $134,545 | 9.28% | 14% | 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.