Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Sidney State Bank
Sidney State Bank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
11
+83.3% vs 2024Originations
$1.3M
Loans x average loanAverage loan
$119,545
Average interest rate
n/a
Denial rate
8%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 12 | 11 | $1.3M | $119,545 | n/a | 8% | n/a |
| 2024 | 9 | 6 | $350,000 | $58,333 | n/a | 11% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MI | 11 | $1.3M | $119,545 | n/a | 8% | 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.