Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › UNIVERSITY BANK
UNIVERSITY BANK
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
31
+3.3% vs 2024Originations
$5.9M
Loans x average loanAverage loan
$191,452
Average interest rate
6.59%
Denial rate
11%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 46 | 31 | $5.9M | $191,452 | 6.59% | 11% | 0% |
| 2024 | 41 | 30 | $5.8M | $192,333 | 6.77% | 5% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| FL | 28 | $5.2M | $184,286 | 6.6% | 8% | 0% |
| IN | 2 | $380,000 | $190,000 | 6.5% | 33% | 0% |
| CA | 1 | $395,000 | $395,000 | 6.63% | 0% | 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.