Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › FIRST STATE BANK OF ST CHARLES
FIRST STATE BANK OF ST CHARLES
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
24
+26.3% vs 2024Originations
$4.3M
Loans x average loanAverage loan
$178,333
Average interest rate
6.51%
Denial rate
0%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 24 | 24 | $4.3M | $178,333 | 6.51% | 0% | 0% |
| 2024 | 19 | 19 | $3.8M | $200,263 | 6.55% | 0% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MO | 16 | $2.7M | $168,125 | 6.55% | 0% | 0% |
| KS | 3 | $645,000 | $215,000 | 6.29% | 0% | 0% |
| IL | 2 | $320,000 | $160,000 | 6.75% | 0% | 0% |
| AZ | 1 | $255,000 | $255,000 | 6.13% | 0% | 0% |
| FL | 1 | $175,000 | $175,000 | 6.88% | 0% | 0% |
| NE | 1 | $195,000 | $195,000 | 5.88% | 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.