Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › FIRST NATIONAL BANK
FIRST NATIONAL BANK
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
15
+36.4% vs 2024Originations
$1.3M
Loans x average loanAverage loan
$87,000
Average interest rate
7.89%
Denial rate
9%
Home only share
7%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 23 | 15 | $1.3M | $87,000 | 7.89% | 9% | 7% |
| 2024 | 12 | 11 | $1.7M | $153,182 | 9.5% | 8% | 20% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| AR | 9 | $915,000 | $101,667 | 7.87% | 7% | 11% |
| TN | 6 | $390,000 | $65,000 | 7.93% | 13% | 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.