Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › FIRST NATIONAL BANK OF AMERICA
FIRST NATIONAL BANK OF AMERICA
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
184
+31.4% vs 2024Originations
$31.6M
Loans x average loanAverage loan
$171,576
Average interest rate
10.23%
Denial rate
23%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 399 | 184 | $31.6M | $171,576 | 10.23% | 23% | 0% |
| 2024 | 321 | 140 | $26.1M | $186,786 | 10.35% | 26% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| TX | 23 | $4.4M | $191,522 | 10.16% | 11% | 0% |
| FL | 22 | $2.9M | $130,000 | 10.35% | 38% | 0% |
| WA | 18 | $4.2M | $235,556 | 10.07% | 14% | 0% |
| SC | 15 | $3.0M | $197,667 | 10.52% | 23% | 0% |
| AZ | 14 | $1.9M | $135,714 | 10.08% | 26% | 0% |
| MI | 11 | $1.1M | $103,182 | 10.9% | 25% | 0% |
| NC | 11 | $2.0M | $179,545 | 10.57% | 27% | 0% |
| CA | 10 | $2.4M | $242,000 | 9.75% | 28% | 0% |
| OR | 7 | $1.5M | $220,714 | 9.46% | 18% | 0% |
| NV | 5 | $905,000 | $181,000 | 10.85% | 0% | 0% |
| TN | 5 | $1.1M | $213,000 | 10.02% | 21% | 0% |
| GA | 4 | $710,000 | $177,500 | 9.81% | 23% | 0% |
| VA | 4 | $680,000 | $170,000 | 9.97% | 0% | 0% |
| OH | 3 | $355,000 | $118,333 | 11.83% | 0% | 0% |
| UT | 3 | $285,000 | $95,000 | 8.79% | 29% | 0% |
| MN | 2 | $320,000 | $160,000 | 8.94% | 0% | 0% |
| CO | 2 | $240,000 | $120,000 | 9.44% | 33% | 0% |
| DE | 2 | $320,000 | $160,000 | 10.12% | 0% | 0% |
| ID | 2 | $390,000 | $195,000 | 10.38% | 0% | 0% |
| IN | 2 | $220,000 | $110,000 | 10.69% | 33% | 0% |
| KY | 2 | $310,000 | $155,000 | 9.63% | 20% | 0% |
| LA | 2 | $290,000 | $145,000 | 11.94% | 25% | 0% |
| MA | 2 | $330,000 | $165,000 | 9.75% | 25% | 0% |
| AL | 2 | $250,000 | $125,000 | 10.94% | 33% | 0% |
| NY | 2 | $330,000 | $165,000 | 9.5% | 25% | 0% |
| PA | 2 | $280,000 | $140,000 | 10.06% | 0% | 0% |
| KS | 1 | $145,000 | $145,000 | 9.13% | 0% | 0% |
| NH | 1 | $135,000 | $135,000 | 9% | 0% | 0% |
| ND | 1 | $165,000 | $165,000 | 10.88% | 0% | 0% |
| MS | 1 | $55,000 | $55,000 | 11.13% | 0% | 0% |
| ME | 1 | $95,000 | $95,000 | 12.5% | 0% | 0% |
| MD | 1 | $115,000 | $115,000 | 10.49% | 0% | 0% |
| NM | 1 | $135,000 | $135,000 | 10.75% | 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.