Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › HOME BANK NATIONAL ASSOCIATION
HOME BANK NATIONAL ASSOCIATION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
9
-10.0% vs 2024Originations
$555,000
Loans x average loanAverage loan
$61,667
Average interest rate
8.32%
Denial rate
9%
Home only share
11%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 11 | 9 | $555,000 | $61,667 | 8.32% | 9% | 11% |
| 2024 | 10 | 10 | $1.2M | $119,000 | 8.89% | 0% | 14% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| LA | 8 | $460,000 | $57,500 | 8.33% | 10% | 0% |
| TX | 1 | $95,000 | $95,000 | 8.25% | 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.