Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Heritage Bank
Heritage Bank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
2
-71.4% vs 2024Originations
$120,000
Loans x average loanAverage loan
$60,000
Average interest rate
n/a
Denial rate
33%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 6 | 2 | $120,000 | $60,000 | n/a | 33% | n/a |
| 2024 | 8 | 7 | $505,000 | $72,143 | n/a | 13% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| CO | 1 | $55,000 | $55,000 | n/a | 0% | n/a |
| NE | 1 | $65,000 | $65,000 | n/a | 40% | 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.