Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › CITIZENS BANK OF LAS CRUCES
CITIZENS BANK OF LAS CRUCES
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
13
+18.2% vs 2024Originations
$1.6M
Loans x average loanAverage loan
$121,154
Average interest rate
8.32%
Denial rate
9%
Home only share
23%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 22 | 13 | $1.6M | $121,154 | 8.32% | 9% | 23% |
| 2024 | 22 | 11 | $1.3M | $114,091 | 7.4% | 23% | 18% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NM | 13 | $1.6M | $121,154 | 8.32% | 9% | 23% |
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.