Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Community Bank, N.A.
Community Bank, N.A.
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
375
-10.7% vs 2024Originations
$45.9M
Loans x average loanAverage loan
$122,520
Average interest rate
7.42%
Denial rate
18%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 543 | 375 | $45.9M | $122,520 | 7.42% | 18% | 0% |
| 2024 | 582 | 420 | $47.8M | $113,833 | 7.8% | 16% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NY | 335 | $40.6M | $121,269 | 7.46% | 16% | 0% |
| PA | 22 | $2.5M | $115,455 | 7.16% | 31% | 0% |
| VT | 18 | $2.8M | $154,444 | 7.12% | 25% | 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.