Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Farmers and Miners Bank
Farmers and Miners Bank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
19
+72.7% vs 2024Originations
$1.5M
Loans x average loanAverage loan
$79,211
Average interest rate
n/a
Denial rate
12%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 26 | 19 | $1.5M | $79,211 | n/a | 12% | n/a |
| 2024 | 21 | 11 | $665,000 | $60,455 | n/a | 19% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| VA | 18 | $1.5M | $81,667 | n/a | 12% | n/a |
| TN | 1 | $35,000 | $35,000 | n/a | 0% | 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.