Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › TWO RIVERS BANK & TRUST
TWO RIVERS BANK & TRUST
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
3
-57.1% vs 2024Originations
$85,000
Loans x average loanAverage loan
$28,333
Average interest rate
7.33%
Denial rate
20%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 5 | 3 | $85,000 | $28,333 | 7.33% | 20% | 0% |
| 2024 | 8 | 7 | $465,000 | $66,429 | 7.63% | 13% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| IA | 2 | $60,000 | $30,000 | 7.5% | 25% | 0% |
| IL | 1 | $25,000 | $25,000 | 7% | 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.