Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › CITIZENS & NORTHERN BANK
CITIZENS & NORTHERN BANK
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
73
-11.0% vs 2024Originations
$7.7M
Loans x average loanAverage loan
$105,685
Average interest rate
7.43%
Denial rate
17%
Home only share
8%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 111 | 73 | $7.7M | $105,685 | 7.43% | 17% | 8% |
| 2024 | 117 | 82 | $11.0M | $134,390 | 7.95% | 16% | 15% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| PA | 65 | $6.7M | $103,769 | 7.46% | 17% | 9% |
| NY | 8 | $970,000 | $121,250 | 7.11% | 19% | 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.