Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Cornerstone Bank
Cornerstone Bank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
15
-6.3% vs 2024Originations
$2.3M
Loans x average loanAverage loan
$155,667
Average interest rate
7.13%
Denial rate
0%
Home only share
33%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 17 | 15 | $2.3M | $155,667 | 7.13% | 0% | 33% |
| 2024 | 17 | 16 | $2.1M | $129,375 | 7.71% | 6% | 50% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| ND | 15 | $2.3M | $155,667 | 7.13% | 0% | 33% |
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.