Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › CLEAR MOUNTAIN BANK
CLEAR MOUNTAIN BANK
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
54
+74.2% vs 2024Originations
$11.8M
Loans x average loanAverage loan
$218,889
Average interest rate
7.09%
Denial rate
7%
Home only share
12%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 68 | 54 | $11.8M | $218,889 | 7.09% | 7% | 12% |
| 2024 | 45 | 31 | $3.2M | $104,355 | 7.92% | 16% | 13% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WV | 49 | $10.6M | $217,041 | 7.17% | 6% | 13% |
| PA | 3 | $665,000 | $221,667 | 6.04% | 25% | 0% |
| MD | 2 | $520,000 | $260,000 | 6.69% | 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.