Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Security First Bank
Security First Bank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
9
-25.0% vs 2024Originations
$2.5M
Loans x average loanAverage loan
$281,667
Average interest rate
7.41%
Denial rate
17%
Home only share
33%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 12 | 9 | $2.5M | $281,667 | 7.41% | 17% | 33% |
| 2024 | 15 | 12 | $990,000 | $82,500 | 7.8% | 7% | 33% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NE | 5 | $565,000 | $113,000 | 7.45% | 29% | 20% |
| SD | 4 | $2.0M | $492,500 | 7.35% | 0% | 50% |
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.