Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › INDEPENDENCE BANK OF KENTUCKY
INDEPENDENCE BANK OF KENTUCKY
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
31
+0.0% vs 2024Originations
$2.9M
Loans x average loanAverage loan
$93,387
Average interest rate
7.16%
Denial rate
19%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 52 | 31 | $2.9M | $93,387 | 7.16% | 19% | 0% |
| 2024 | 44 | 31 | $2.6M | $83,710 | 8.15% | 16% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| KY | 30 | $2.9M | $95,333 | 7.15% | 18% | 0% |
| IN | 1 | $35,000 | $35,000 | 7.5% | 0% | 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.