Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Fidelity Deposit & Discount Bank
Fidelity Deposit & Discount Bank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
9
+200.0% vs 2024Originations
$1.2M
Loans x average loanAverage loan
$136,111
Average interest rate
6.79%
Denial rate
17%
Home only share
11%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 12 | 9 | $1.2M | $136,111 | 6.79% | 17% | 11% |
| 2024 | 4 | 3 | $445,000 | $148,333 | 7.75% | 25% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| PA | 9 | $1.2M | $136,111 | 6.79% | 17% | 11% |
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.