Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › The Middlefield Banking Company
The Middlefield Banking Company
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
34
+25.9% vs 2024Originations
$3.4M
Loans x average loanAverage loan
$100,000
Average interest rate
n/a
Denial rate
13%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 45 | 34 | $3.4M | $100,000 | n/a | 13% | n/a |
| 2024 | 44 | 27 | $2.8M | $102,407 | 8.33% | 25% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| OH | 34 | $3.4M | $100,000 | n/a | 13% | 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.