Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › INB, NATIONAL ASSOCIATION
INB, NATIONAL ASSOCIATION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
4
+33.3% vs 2024Originations
$950,000
Loans x average loanAverage loan
$237,500
Average interest rate
6.98%
Denial rate
20%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 5 | 4 | $950,000 | $237,500 | 6.98% | 20% | 0% |
| 2024 | 4 | 3 | $4.1M | $1,358,333 | 7.46% | 0% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| IL | 3 | $375,000 | $125,000 | 6.81% | 25% | 0% |
| TX | 1 | $575,000 | $575,000 | 7.5% | 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.