Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › THE CENTRAL TRUST BANK
THE CENTRAL TRUST BANK
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
176
+2.9% vs 2024Originations
$28.2M
Loans x average loanAverage loan
$160,227
Average interest rate
6.85%
Denial rate
14%
Home only share
1%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 304 | 176 | $28.2M | $160,227 | 6.85% | 14% | 1% |
| 2024 | 288 | 171 | $29.5M | $172,602 | 7.25% | 16% | 2% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MO | 104 | $11.7M | $112,788 | 6.87% | 19% | 1% |
| CO | 40 | $9.9M | $248,000 | 6.89% | 3% | 0% |
| NC | 15 | $3.0M | $199,000 | 6.72% | 8% | 0% |
| OK | 9 | $1.6M | $177,222 | 6.61% | 15% | 0% |
| AR | 4 | $620,000 | $155,000 | 7.28% | 0% | 0% |
| NV | 3 | $1.0M | $348,333 | 6.71% | 0% | 0% |
| CA | 1 | $305,000 | $305,000 | 6.63% | 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.