Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Tompkins Community Bank
Tompkins Community Bank
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
31
+72.2% vs 2024Originations
$9.5M
Loans x average loanAverage loan
$305,968
Average interest rate
6.58%
Denial rate
22%
Home only share
7%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 45 | 31 | $9.5M | $305,968 | 6.58% | 22% | 7% |
| 2024 | 35 | 18 | $7.9M | $440,000 | 6.8% | 37% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NY | 29 | $9.1M | $312,586 | 6.56% | 21% | 7% |
| PA | 2 | $420,000 | $210,000 | 6.93% | 33% | 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.