Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Equity Bank
Equity Bank
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
56
+27.3% vs 2024Originations
$9.5M
Loans x average loanAverage loan
$170,179
Average interest rate
7.9%
Denial rate
23%
Home only share
4%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 74 | 56 | $9.5M | $170,179 | 7.9% | 23% | 4% |
| 2024 | 68 | 44 | $7.3M | $165,000 | 8.27% | 25% | 12% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| OK | 17 | $2.2M | $129,118 | 8.06% | 15% | 14% |
| KS | 10 | $4.2M | $419,000 | 7.65% | 42% | 0% |
| AR | 9 | $735,000 | $81,667 | 7.98% | 10% | 0% |
| MO | 9 | $985,000 | $109,444 | 7.71% | 36% | 0% |
| TX | 9 | $1.1M | $118,333 | 7.96% | 0% | 0% |
| NM | 2 | $360,000 | $180,000 | 8.01% | 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.