Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › The Citizens National Bank of Somerset
The Citizens National Bank of Somerset
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
28
+27.3% vs 2024Originations
$2.8M
Loans x average loanAverage loan
$100,357
Average interest rate
n/a
Denial rate
21%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 39 | 28 | $2.8M | $100,357 | n/a | 21% | n/a |
| 2024 | 28 | 22 | $2.2M | $100,455 | n/a | 18% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| KY | 28 | $2.8M | $100,357 | n/a | 21% | 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.