Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › FIRST CITIZENS COMMUNITY BANK
FIRST CITIZENS COMMUNITY BANK
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
11
-45.0% vs 2024Originations
$655,000
Loans x average loanAverage loan
$59,545
Average interest rate
8.76%
Denial rate
24%
Home only share
18%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 17 | 11 | $655,000 | $59,545 | 8.76% | 24% | 18% |
| 2024 | 30 | 20 | $1.3M | $63,500 | 8.69% | 20% | 30% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| PA | 11 | $655,000 | $59,545 | 8.76% | 24% | 18% |
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.