Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › NBH Bank
NBH Bank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
21
-4.5% vs 2024Originations
$4.3M
Loans x average loanAverage loan
$205,476
Average interest rate
6.99%
Denial rate
25%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 48 | 21 | $4.3M | $205,476 | 6.99% | 25% | 0% |
| 2024 | 50 | 22 | $3.3M | $149,091 | 7.44% | 20% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| CO | 12 | $2.8M | $236,667 | 6.87% | 16% | 0% |
| KS | 3 | $505,000 | $168,333 | 7.42% | 33% | 0% |
| MO | 2 | $180,000 | $90,000 | 7.38% | 38% | 0% |
| FL | 1 | $355,000 | $355,000 | 7% | 0% | 0% |
| NM | 1 | $285,000 | $285,000 | 6.5% | 50% | 0% |
| TN | 1 | $125,000 | $125,000 | 6.75% | 0% | 0% |
| WY | 1 | $25,000 | $25,000 | 7.22% | 50% | 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.