Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Citizens State Bank
Citizens State Bank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
23
-23.3% vs 2024Originations
$6.0M
Loans x average loanAverage loan
$259,783
Average interest rate
n/a
Denial rate
9%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 34 | 23 | $6.0M | $259,783 | n/a | 9% | n/a |
| 2024 | 57 | 30 | $4.1M | $136,333 | n/a | 11% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| TX | 23 | $6.0M | $259,783 | n/a | 9% | 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.