Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › PINNACLE BANK
PINNACLE BANK
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
31
-8.8% vs 2024Originations
$3.6M
Loans x average loanAverage loan
$115,968
Average interest rate
7.5%
Denial rate
24%
Home only share
20%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 50 | 31 | $3.6M | $115,968 | 7.5% | 24% | 20% |
| 2024 | 44 | 34 | $2.7M | $80,294 | 7.89% | 14% | 18% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NE | 25 | $2.8M | $110,600 | 7.58% | 24% | 25% |
| MO | 6 | $830,000 | $138,333 | 7.16% | 13% | 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.