Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › National Bank of Middlebury
National Bank of Middlebury
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
5
-16.7% vs 2024Originations
$645,000
Loans x average loanAverage loan
$129,000
Average interest rate
n/a
Denial rate
0%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 5 | 5 | $645,000 | $129,000 | n/a | 0% | n/a |
| 2024 | 7 | 6 | $540,000 | $90,000 | n/a | 14% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| VT | 5 | $645,000 | $129,000 | n/a | 0% | n/a |
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.