Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › TROY BANK AND TRUST
TROY BANK AND TRUST
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
43
+30.3% vs 2024Originations
$6.0M
Loans x average loanAverage loan
$140,116
Average interest rate
8.75%
Denial rate
8%
Home only share
31%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 49 | 43 | $6.0M | $140,116 | 8.75% | 8% | 31% |
| 2024 | 37 | 33 | $3.3M | $99,242 | 9.83% | 5% | 21% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| AL | 43 | $6.0M | $140,116 | 8.75% | 8% | 31% |
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.