Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › First National Bank
First National Bank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
20
+5.3% vs 2024Originations
$3.0M
Loans x average loanAverage loan
$150,500
Average interest rate
n/a
Denial rate
21%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 29 | 20 | $3.0M | $150,500 | n/a | 21% | n/a |
| 2024 | 26 | 19 | $2.2M | $116,053 | n/a | 12% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| VA | 17 | $2.4M | $140,294 | n/a | 23% | n/a |
| NC | 3 | $625,000 | $208,333 | 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.