Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Ballston Spa National Bank
Ballston Spa National Bank
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
143
-8.3% vs 2024Originations
$14.5M
Loans x average loanAverage loan
$101,294
Average interest rate
n/a
Denial rate
2%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 263 | 143 | $14.5M | $101,294 | n/a | 2% | n/a |
| 2024 | 294 | 156 | $14.3M | $91,923 | n/a | 3% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NY | 44 | $3.8M | $86,364 | n/a | 1% | n/a |
| PA | 32 | $2.6M | $82,813 | n/a | 0% | n/a |
| CT | 23 | $2.7M | $119,348 | n/a | 3% | n/a |
| FL | 16 | $2.4M | $150,625 | n/a | 6% | n/a |
| NJ | 15 | $1.4M | $92,333 | n/a | 4% | n/a |
| SC | 7 | $825,000 | $117,857 | n/a | 0% | n/a |
| DE | 4 | $480,000 | $120,000 | n/a | 0% | n/a |
| NC | 1 | $145,000 | $145,000 | n/a | 0% | n/a |
| MA | 1 | $45,000 | $45,000 | 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.