Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › NBT BANK NA
NBT BANK NA
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
35
+9.4% vs 2024Originations
$3.6M
Loans x average loanAverage loan
$101,857
Average interest rate
6.69%
Denial rate
26%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 68 | 35 | $3.6M | $101,857 | 6.69% | 26% | 0% |
| 2024 | 50 | 32 | $7.1M | $222,188 | 6.77% | 24% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NY | 32 | $3.4M | $106,250 | 6.66% | 25% | 0% |
| PA | 3 | $165,000 | $55,000 | 6.96% | 0% | 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.