Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › FirstBank
FirstBank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
19
-17.4% vs 2024Originations
$3.8M
Loans x average loanAverage loan
$198,684
Average interest rate
6.8%
Denial rate
41%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 37 | 19 | $3.8M | $198,684 | 6.8% | 41% | 0% |
| 2024 | 44 | 23 | $5.8M | $251,522 | 7.11% | 36% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| CO | 17 | $2.7M | $160,294 | 6.79% | 39% | 0% |
| AZ | 1 | $85,000 | $85,000 | 7.5% | 67% | 0% |
| CA | 1 | $965,000 | $965,000 | 6.25% | 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.