Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Farmers and Merchants Trust Company of Chambersburg
Farmers and Merchants Trust Company of Chambersburg
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
31
-29.5% vs 2024Originations
$4.1M
Loans x average loanAverage loan
$132,742
Average interest rate
6.47%
Denial rate
22%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 58 | 31 | $4.1M | $132,742 | 6.47% | 22% | 0% |
| 2024 | 57 | 44 | $5.8M | $132,045 | 6.73% | 9% | 2% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| PA | 31 | $4.1M | $132,742 | 6.47% | 24% | 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.