Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › ACNB BANK
ACNB BANK
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
47
+840.0% vs 2024Originations
$7.8M
Loans x average loanAverage loan
$166,915
Average interest rate
7.01%
Denial rate
5%
Home only share
2%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 56 | 47 | $7.8M | $166,915 | 7.01% | 5% | 2% |
| 2024 | 10 | 5 | $555,000 | $111,000 | 7.69% | 40% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| PA | 43 | $7.2M | $167,326 | 7.01% | 6% | 2% |
| MD | 3 | $395,000 | $131,667 | 6.73% | 0% | 0% |
| NJ | 1 | $255,000 | $255,000 | 7.63% | 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.