Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › CITIZENS BANK OF KENTUCKY, INC.
CITIZENS BANK OF KENTUCKY, INC.
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
12
-7.7% vs 2024Originations
$2.3M
Loans x average loanAverage loan
$191,667
Average interest rate
n/a
Denial rate
23%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 26 | 12 | $2.3M | $191,667 | n/a | 23% | n/a |
| 2024 | 19 | 13 | $1.1M | $84,231 | n/a | 16% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| KY | 7 | $805,000 | $115,000 | n/a | 32% | n/a |
| WV | 3 | $1.0M | $335,000 | n/a | 0% | n/a |
| OH | 2 | $490,000 | $245,000 | n/a | 0% | 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.