Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Adams Bank & Trust
Adams Bank & Trust
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
21
+31.3% vs 2024Originations
$2.9M
Loans x average loanAverage loan
$136,429
Average interest rate
7.23%
Denial rate
4%
Home only share
24%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 26 | 21 | $2.9M | $136,429 | 7.23% | 4% | 24% |
| 2024 | 21 | 16 | $1.8M | $113,125 | 8.11% | 5% | 6% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NE | 19 | $2.6M | $136,579 | 7.34% | 4% | 26% |
| CO | 1 | $115,000 | $115,000 | 5% | 0% | 0% |
| KS | 1 | $155,000 | $155,000 | 7.35% | 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.