Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › CITIZENS BANK & TRUST CO.
CITIZENS BANK & TRUST CO.
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
12
-14.3% vs 2024Originations
$2.2M
Loans x average loanAverage loan
$185,833
Average interest rate
n/a
Denial rate
19%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 16 | 12 | $2.2M | $185,833 | n/a | 19% | n/a |
| 2024 | 18 | 14 | $1.8M | $129,286 | n/a | 17% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| VA | 11 | $2.2M | $198,636 | n/a | 20% | n/a |
| NC | 1 | $45,000 | $45,000 | 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.