Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › F&M BANK
F&M BANK
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
9
+80.0% vs 2024Originations
$885,000
Loans x average loanAverage loan
$98,333
Average interest rate
7.64%
Denial rate
10%
Home only share
11%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 10 | 9 | $885,000 | $98,333 | 7.64% | 10% | 11% |
| 2024 | 11 | 5 | $875,000 | $175,000 | 6.73% | 27% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| OK | 9 | $885,000 | $98,333 | 7.64% | 10% | 11% |
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.