Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › CNB BANK & TRUST, N.A.
CNB BANK & TRUST, N.A.
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
13
+225.0% vs 2024Originations
$1.1M
Loans x average loanAverage loan
$86,538
Average interest rate
7.09%
Denial rate
16%
Home only share
8%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 19 | 13 | $1.1M | $86,538 | 7.09% | 16% | 8% |
| 2024 | 10 | 4 | $270,000 | $67,500 | 7.59% | 30% | 25% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| IL | 13 | $1.1M | $86,538 | 7.09% | 16% | 8% |
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.