Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › CITY BANK
CITY BANK
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
18
+20.0% vs 2024Originations
$3.4M
Loans x average loanAverage loan
$186,111
Average interest rate
6.88%
Denial rate
24%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 37 | 18 | $3.4M | $186,111 | 6.88% | 24% | 0% |
| 2024 | 23 | 15 | $3.3M | $219,667 | 7.23% | 17% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| TX | 12 | $2.4M | $202,500 | 6.84% | 24% | 0% |
| NM | 6 | $920,000 | $153,333 | 6.98% | 25% | 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.