Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Five Star Bank
Five Star Bank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
10
+25.0% vs 2024Originations
$1.6M
Loans x average loanAverage loan
$165,000
Average interest rate
8.24%
Denial rate
22%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 18 | 10 | $1.6M | $165,000 | 8.24% | 22% | 0% |
| 2024 | 12 | 8 | $880,000 | $110,000 | 6.59% | 25% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NY | 10 | $1.6M | $165,000 | 8.24% | 22% | 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.