Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › The Ohio Valley Bank Company
The Ohio Valley Bank Company
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
16
-15.8% vs 2024Originations
$2.4M
Loans x average loanAverage loan
$151,250
Average interest rate
6.86%
Denial rate
10%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 20 | 16 | $2.4M | $151,250 | 6.86% | 10% | 0% |
| 2024 | 22 | 19 | $2.6M | $135,526 | 7.3% | 5% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| OH | 9 | $1.1M | $117,222 | 6.71% | 9% | 0% |
| WV | 6 | $960,000 | $160,000 | 7.13% | 13% | 0% |
| VA | 1 | $405,000 | $405,000 | 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.