Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › MidFirst Bank
MidFirst Bank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
14
+0.0% vs 2024Originations
$1.2M
Loans x average loanAverage loan
$83,571
Average interest rate
5.78%
Denial rate
18%
Home only share
7%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 17 | 14 | $1.2M | $83,571 | 5.78% | 18% | 7% |
| 2024 | 16 | 14 | $1.1M | $81,429 | 5.63% | 13% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| OK | 2 | $380,000 | $190,000 | 6.75% | 33% | 50% |
| NC | 2 | $90,000 | $45,000 | 5.13% | 0% | 0% |
| CA | 2 | $120,000 | $60,000 | 7.56% | 0% | 0% |
| MD | 1 | $115,000 | $115,000 | 3.75% | 0% | 0% |
| MO | 1 | $85,000 | $85,000 | 7% | 0% | 0% |
| MT | 1 | $85,000 | $85,000 | 5.38% | 0% | 0% |
| NY | 1 | $35,000 | $35,000 | 7.38% | 0% | 0% |
| TN | 1 | $55,000 | $55,000 | 4.75% | 0% | 0% |
| VA | 1 | $45,000 | $45,000 | 6.88% | 0% | 0% |
| CO | 1 | $95,000 | $95,000 | 3.13% | 0% | 0% |
| FL | 1 | $65,000 | $65,000 | 3.75% | 0% | 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.