Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Ulster Savings Bank
Ulster Savings Bank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
9
-18.2% vs 2024Originations
$2.0M
Loans x average loanAverage loan
$219,444
Average interest rate
6.92%
Denial rate
25%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 16 | 9 | $2.0M | $219,444 | 6.92% | 25% | 0% |
| 2024 | 14 | 11 | $1.6M | $147,727 | 7% | 14% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NY | 9 | $2.0M | $219,444 | 6.92% | 25% | 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.