Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Incrediblebank
Incrediblebank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
12
-14.3% vs 2024Originations
$1.5M
Loans x average loanAverage loan
$125,000
Average interest rate
7.02%
Denial rate
6%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 17 | 12 | $1.5M | $125,000 | 7.02% | 6% | 0% |
| 2024 | 17 | 14 | $5.7M | $407,857 | 7.14% | 0% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WI | 9 | $835,000 | $92,778 | 7.21% | 9% | 0% |
| MI | 3 | $665,000 | $221,667 | 6.46% | 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.