Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Tioga State Bank, N.A.
Tioga State Bank, N.A.
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
46
+15.0% vs 2024Originations
$5.3M
Loans x average loanAverage loan
$114,565
Average interest rate
n/a
Denial rate
4%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 55 | 46 | $5.3M | $114,565 | n/a | 4% | n/a |
| 2024 | 53 | 40 | $3.2M | $81,000 | n/a | 15% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NY | 45 | $5.2M | $115,222 | n/a | 4% | n/a |
| PA | 1 | $85,000 | $85,000 | 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.