Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › UNITED COMMUNITY BANK
UNITED COMMUNITY BANK
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
13
+8.3% vs 2024Originations
$1.3M
Loans x average loanAverage loan
$100,385
Average interest rate
6.87%
Denial rate
15%
Home only share
8%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 26 | 13 | $1.3M | $100,385 | 6.87% | 15% | 8% |
| 2024 | 19 | 12 | $970,000 | $80,833 | 7% | 5% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| IL | 10 | $1.0M | $102,000 | 6.96% | 15% | 10% |
| IA | 1 | $75,000 | $75,000 | 6% | 0% | 0% |
| IN | 1 | $115,000 | $115,000 | 7.13% | 0% | 0% |
| MO | 1 | $95,000 | $95,000 | 6.63% | 25% | 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.