Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › THE CITIZENS BANK
THE CITIZENS BANK
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
7
-36.4% vs 2024Originations
$1.1M
Loans x average loanAverage loan
$160,714
Average interest rate
8.65%
Denial rate
30%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 10 | 7 | $1.1M | $160,714 | 8.65% | 30% | 0% |
| 2024 | 22 | 11 | $625,000 | $56,818 | 10.6% | 27% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| AR | 6 | $850,000 | $141,667 | 8.75% | 33% | 0% |
| FL | 1 | $275,000 | $275,000 | 8% | 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.