Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › The FNB Community Bank
The FNB Community Bank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
10
-9.1% vs 2024Originations
$910,000
Loans x average loanAverage loan
$91,000
Average interest rate
n/a
Denial rate
8%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 12 | 10 | $910,000 | $91,000 | n/a | 8% | n/a |
| 2024 | 12 | 11 | $935,000 | $85,000 | n/a | 8% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| IL | 10 | $910,000 | $91,000 | n/a | 8% | n/a |
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.