Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Dakota Community Bank & Trust, NA
Dakota Community Bank & Trust, NA
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
13
-13.3% vs 2024Originations
$2.8M
Loans x average loanAverage loan
$213,462
Average interest rate
6.78%
Denial rate
14%
Home only share
15%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 22 | 13 | $2.8M | $213,462 | 6.78% | 14% | 15% |
| 2024 | 21 | 15 | $2.7M | $177,000 | 7.03% | 5% | 27% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| ND | 12 | $2.7M | $221,667 | 6.77% | 14% | 17% |
| SD | 1 | $115,000 | $115,000 | 6.99% | 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.