Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Central State Bank
Central State Bank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
11
-52.2% vs 2024Originations
$935,000
Loans x average loanAverage loan
$85,000
Average interest rate
n/a
Denial rate
33%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 21 | 11 | $935,000 | $85,000 | n/a | 33% | n/a |
| 2024 | 30 | 23 | $1.7M | $75,435 | n/a | 23% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| IA | 11 | $935,000 | $85,000 | n/a | 33% | 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.