Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › HORATIO STATE BANK
HORATIO STATE BANK
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
37
-21.3% vs 2024Originations
$2.6M
Loans x average loanAverage loan
$69,865
Average interest rate
n/a
Denial rate
2%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 43 | 37 | $2.6M | $69,865 | n/a | 2% | n/a |
| 2024 | 53 | 47 | $2.4M | $52,021 | n/a | 4% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| AR | 36 | $2.5M | $70,278 | n/a | 2% | n/a |
| OK | 1 | $55,000 | $55,000 | n/a | 0% | 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.