Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › THE POCA VALLEY BANK
THE POCA VALLEY BANK
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
50
-28.6% vs 2024Originations
$7.6M
Loans x average loanAverage loan
$151,600
Average interest rate
n/a
Denial rate
14%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 84 | 50 | $7.6M | $151,600 | n/a | 14% | n/a |
| 2024 | 105 | 70 | $8.5M | $121,143 | n/a | 14% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WV | 47 | $7.0M | $149,255 | n/a | 13% | n/a |
| OH | 3 | $565,000 | $188,333 | 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.