Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › WATERTOWN SAVINGS BANK
WATERTOWN SAVINGS BANK
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
11
-21.4% vs 2024Originations
$1.2M
Loans x average loanAverage loan
$105,000
Average interest rate
6.47%
Denial rate
17%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 18 | 11 | $1.2M | $105,000 | 6.47% | 17% | 0% |
| 2024 | 16 | 14 | $1.6M | $115,000 | 6.25% | 6% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NY | 11 | $1.2M | $105,000 | 6.47% | 17% | 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.