Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › AMERICAN BANK & TRUST
AMERICAN BANK & TRUST
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
3
-40.0% vs 2024Originations
$2.9M
Loans x average loanAverage loan
$981,667
Average interest rate
7.58%
Denial rate
30%
Home only share
50%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 10 | 3 | $2.9M | $981,667 | 7.58% | 30% | 50% |
| 2024 | 13 | 5 | $1.5M | $309,000 | 7.23% | 38% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| SD | 3 | $2.9M | $981,667 | 7.58% | 22% | 50% |
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.