Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › First National Bank of Fort Smith
First National Bank of Fort Smith
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
14
+16.7% vs 2024Originations
$1.1M
Loans x average loanAverage loan
$76,429
Average interest rate
7.19%
Denial rate
14%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 21 | 14 | $1.1M | $76,429 | 7.19% | 14% | 0% |
| 2024 | 16 | 12 | $1.3M | $110,000 | 8.18% | 19% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| OK | 9 | $675,000 | $75,000 | 7.19% | 9% | 0% |
| AR | 5 | $395,000 | $79,000 | 7.17% | 20% | 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.