Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › North Valley Bank
North Valley Bank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
11
-15.4% vs 2024Originations
$1.1M
Loans x average loanAverage loan
$99,545
Average interest rate
n/a
Denial rate
18%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 17 | 11 | $1.1M | $99,545 | n/a | 18% | n/a |
| 2024 | 19 | 13 | $1.7M | $127,308 | n/a | 21% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| OH | 11 | $1.1M | $99,545 | n/a | 18% | 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.