Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Harford Bank
Harford Bank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
4
+300.0% vs 2024Originations
$490,000
Loans x average loanAverage loan
$122,500
Average interest rate
n/a
Denial rate
50%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 10 | 4 | $490,000 | $122,500 | n/a | 50% | n/a |
| 2024 | 15 | 1 | $65,000 | $65,000 | n/a | 80% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MD | 3 | $245,000 | $81,667 | n/a | 50% | n/a |
| DE | 1 | $245,000 | $245,000 | 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.