Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › The Peoples Bank
The Peoples Bank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
17
+70.0% vs 2024Originations
$5.6M
Loans x average loanAverage loan
$326,765
Average interest rate
7.65%
Denial rate
5%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 19 | 17 | $5.6M | $326,765 | 7.65% | 5% | 0% |
| 2024 | 13 | 10 | $1.3M | $130,000 | 8.18% | 15% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| KY | 17 | $5.6M | $326,765 | 7.65% | 5% | 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.