Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Bank Independent
Bank Independent
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
17
+0.0% vs 2024Originations
$1.8M
Loans x average loanAverage loan
$108,529
Average interest rate
7.73%
Denial rate
44%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 41 | 17 | $1.8M | $108,529 | 7.73% | 44% | 0% |
| 2024 | 25 | 17 | $985,000 | $57,941 | 9.61% | 24% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| AL | 17 | $1.8M | $108,529 | 7.73% | 44% | 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.