Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › AMERISTATE BANK
AMERISTATE BANK
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
12
-20.0% vs 2024Originations
$940,000
Loans x average loanAverage loan
$78,333
Average interest rate
n/a
Denial rate
7%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 15 | 12 | $940,000 | $78,333 | n/a | 7% | n/a |
| 2024 | 21 | 15 | $1.9M | $125,000 | n/a | 14% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| OK | 10 | $810,000 | $81,000 | n/a | 8% | n/a |
| TX | 2 | $130,000 | $65,000 | 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.