Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › First International Bank & Trust
First International Bank & Trust
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
28
+86.7% vs 2024Originations
$10.9M
Loans x average loanAverage loan
$388,929
Average interest rate
6.76%
Denial rate
6%
Home only share
14%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 32 | 28 | $10.9M | $388,929 | 6.76% | 6% | 14% |
| 2024 | 19 | 15 | $2.3M | $156,333 | 7.53% | 11% | 14% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| ND | 22 | $4.4M | $200,455 | 6.8% | 4% | 18% |
| AZ | 3 | $5.9M | $1,981,667 | 6.79% | 0% | 0% |
| MN | 1 | $145,000 | $145,000 | 6.5% | 0% | 0% |
| NE | 1 | $205,000 | $205,000 | 6.38% | 0% | 0% |
| SD | 1 | $185,000 | $185,000 | 6.5% | 50% | 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.