Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › FIRST NATIONAL BANK OF ONEIDA
FIRST NATIONAL BANK OF ONEIDA
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
39
+62.5% vs 2024Originations
$3.9M
Loans x average loanAverage loan
$100,128
Average interest rate
n/a
Denial rate
16%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 50 | 39 | $3.9M | $100,128 | n/a | 16% | n/a |
| 2024 | 29 | 24 | $1.6M | $66,667 | n/a | 3% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| TN | 37 | $3.8M | $102,027 | n/a | 17% | n/a |
| KY | 2 | $130,000 | $65,000 | n/a | 0% | 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.