Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › First National Bank Texas
First National Bank Texas
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
21
+110.0% vs 2024Originations
$4.9M
Loans x average loanAverage loan
$233,571
Average interest rate
6.44%
Denial rate
3%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 29 | 21 | $4.9M | $233,571 | 6.44% | 3% | 0% |
| 2024 | 14 | 10 | $1.9M | $192,000 | 7.3% | 14% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| TX | 16 | $3.5M | $221,250 | 6.4% | 4% | 0% |
| AZ | 3 | $875,000 | $291,667 | 6.66% | 0% | 0% |
| FL | 2 | $490,000 | $245,000 | 6.43% | 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.