Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Unico Bank
Unico Bank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
11
-45.0% vs 2024Originations
$1.2M
Loans x average loanAverage loan
$105,000
Average interest rate
n/a
Denial rate
8%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 13 | 11 | $1.2M | $105,000 | n/a | 8% | n/a |
| 2024 | 35 | 20 | $1.5M | $74,000 | n/a | 26% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MO | 8 | $910,000 | $113,750 | n/a | 11% | n/a |
| AR | 3 | $245,000 | $81,667 | 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.