Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › The Gifford State Bank
The Gifford State Bank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
5
+66.7% vs 2024Originations
$375,000
Loans x average loanAverage loan
$75,000
Average interest rate
n/a
Denial rate
0%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 5 | 5 | $375,000 | $75,000 | n/a | 0% | n/a |
| 2024 | 4 | 3 | $205,000 | $68,333 | n/a | 25% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| IL | 5 | $375,000 | $75,000 | n/a | 0% | n/a |
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.