Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › HOMETRUST BANK
HOMETRUST BANK
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
43
+34.4% vs 2024Originations
$7.9M
Loans x average loanAverage loan
$182,674
Average interest rate
7.83%
Denial rate
21%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 72 | 43 | $7.9M | $182,674 | 7.83% | 21% | 0% |
| 2024 | 58 | 32 | $4.9M | $154,375 | 9.22% | 33% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NC | 17 | $2.9M | $170,882 | 6.93% | 27% | 0% |
| TN | 7 | $1.1M | $152,143 | 8.21% | 10% | 0% |
| OR | 4 | $730,000 | $182,500 | 8.31% | 14% | 0% |
| AZ | 3 | $345,000 | $115,000 | 8.42% | 0% | 0% |
| CA | 3 | $1.2M | $401,667 | 9.25% | 0% | 0% |
| ID | 3 | $665,000 | $221,667 | 7.67% | 0% | 0% |
| FL | 2 | $190,000 | $95,000 | 8% | 33% | 0% |
| WA | 2 | $570,000 | $285,000 | 9.38% | 25% | 0% |
| NV | 1 | $65,000 | $65,000 | 8.25% | 0% | 0% |
| CO | 1 | $115,000 | $115,000 | 9.25% | 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.