Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › BankFirst Financial Services
BankFirst Financial Services
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
55
-8.3% vs 2024Originations
$2.8M
Loans x average loanAverage loan
$50,273
Average interest rate
8.88%
Denial rate
16%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 76 | 55 | $2.8M | $50,273 | 8.88% | 16% | 0% |
| 2024 | 77 | 60 | $3.2M | $53,667 | 9.65% | 14% | 3% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MS | 45 | $2.1M | $45,889 | 9.08% | 11% | 0% |
| AL | 10 | $700,000 | $70,000 | 7.98% | 30% | 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.