Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › FIRST STATE COMMUNITY BANK
FIRST STATE COMMUNITY BANK
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
129
+21.7% vs 2024Originations
$19.8M
Loans x average loanAverage loan
$153,760
Average interest rate
7.58%
Denial rate
22%
Home only share
8%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 223 | 129 | $19.8M | $153,760 | 7.58% | 22% | 8% |
| 2024 | 207 | 106 | $10.6M | $99,717 | 8.45% | 29% | 10% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MO | 128 | $19.8M | $154,766 | 7.57% | 22% | 7% |
| KY | 1 | $25,000 | $25,000 | 8.2% | 0% | 100% |
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.