Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › FIRST UNITED BANK AND TRUST CO
FIRST UNITED BANK AND TRUST CO
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
85
-14.1% vs 2024Originations
$13.1M
Loans x average loanAverage loan
$153,706
Average interest rate
8.2%
Denial rate
20%
Home only share
4%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 157 | 85 | $13.1M | $153,706 | 8.2% | 20% | 4% |
| 2024 | 170 | 99 | $14.3M | $144,293 | 9.11% | 18% | 3% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| OK | 55 | $6.9M | $126,273 | 8.37% | 21% | 5% |
| TX | 30 | $6.1M | $204,000 | 7.9% | 18% | 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.