Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › National Exchange Bank and Trust
National Exchange Bank and Trust
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
77
-8.3% vs 2024Originations
$22.2M
Loans x average loanAverage loan
$288,117
Average interest rate
8.85%
Denial rate
28%
Home only share
78%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 144 | 77 | $22.2M | $288,117 | 8.85% | 28% | 78% |
| 2024 | 125 | 84 | $9.3M | $110,476 | 9.25% | 17% | 70% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WI | 75 | $5.6M | $74,333 | 8.92% | 27% | 80% |
| MO | 1 | $2.6M | $2,605,000 | 6.5% | 50% | 0% |
| TX | 1 | $14.0M | $14,005,000 | 6.38% | 50% | 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.