Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Montecito Bank and Trust
Montecito Bank and Trust
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
35
+29.6% vs 2024Originations
$12.0M
Loans x average loanAverage loan
$343,000
Average interest rate
n/a
Denial rate
28%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 75 | 35 | $12.0M | $343,000 | n/a | 28% | n/a |
| 2024 | 73 | 27 | $7.5M | $277,963 | n/a | 38% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| CA | 35 | $12.0M | $343,000 | n/a | 28% | 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.