Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Generations Bank
Generations Bank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
10
+11.1% vs 2024Originations
$1.5M
Loans x average loanAverage loan
$151,000
Average interest rate
8.37%
Denial rate
14%
Home only share
11%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 14 | 10 | $1.5M | $151,000 | 8.37% | 14% | 11% |
| 2024 | 15 | 9 | $2.8M | $307,222 | 9.17% | 27% | 11% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| AR | 8 | $1.2M | $147,500 | 8.37% | 17% | 14% |
| MO | 1 | $45,000 | $45,000 | 9.75% | 0% | 0% |
| NV | 1 | $285,000 | $285,000 | 7% | 0% | 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.