Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › River Bank & Trust
River Bank & Trust
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
114
-9.5% vs 2024Originations
$6.9M
Loans x average loanAverage loan
$60,789
Average interest rate
10.06%
Denial rate
8%
Home only share
79%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 127 | 114 | $6.9M | $60,789 | 10.06% | 8% | 79% |
| 2024 | 141 | 126 | $7.7M | $60,873 | 10.19% | 6% | 75% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| AL | 114 | $6.9M | $60,789 | 10.06% | 8% | 79% |
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.