Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Journey Bank
Journey Bank
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
35
-36.4% vs 2024Originations
$3.0M
Loans x average loanAverage loan
$87,000
Average interest rate
7.94%
Denial rate
4%
Home only share
29%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 45 | 35 | $3.0M | $87,000 | 7.94% | 4% | 29% |
| 2024 | 64 | 55 | $4.1M | $73,909 | 8.43% | 6% | 40% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| PA | 34 | $2.9M | $85,588 | 7.97% | 5% | 29% |
| DE | 1 | $135,000 | $135,000 | 6.99% | 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.