Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › West Shore Bank
West Shore Bank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
11
-21.4% vs 2024Originations
$1.4M
Loans x average loanAverage loan
$130,455
Average interest rate
n/a
Denial rate
12%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 17 | 11 | $1.4M | $130,455 | n/a | 12% | n/a |
| 2024 | 20 | 14 | $1.2M | $84,286 | n/a | 15% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MI | 11 | $1.4M | $130,455 | n/a | 12% | 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.