Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Centennial Bank
Centennial Bank
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
77
+1.3% vs 2024Originations
$24.8M
Loans x average loanAverage loan
$322,273
Average interest rate
6.89%
Denial rate
32%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 199 | 77 | $24.8M | $322,273 | 6.89% | 32% | 0% |
| 2024 | 179 | 76 | $17.3M | $228,158 | 7.41% | 34% | 2% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| FL | 43 | $9.4M | $218,256 | 6.91% | 24% | 0% |
| AR | 18 | $2.4M | $130,556 | 6.72% | 42% | 0% |
| TX | 9 | $1.8M | $200,556 | 6.98% | 42% | 0% |
| KS | 2 | $2.2M | $1,080,000 | 7.25% | 0% | n/a |
| AL | 1 | $1.5M | $1,465,000 | 7.5% | 50% | 0% |
| WA | 1 | $425,000 | $425,000 | 6.63% | 0% | 0% |
| GA | 1 | $605,000 | $605,000 | 7.54% | 0% | n/a |
| MS | 1 | $6.4M | $6,385,000 | 7.5% | 0% | n/a |
| ND | 1 | $235,000 | $235,000 | 6.75% | 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.