Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Heritage Bank, INC
Heritage Bank, INC
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
12
+20.0% vs 2024Originations
$590,000
Loans x average loanAverage loan
$49,167
Average interest rate
n/a
Denial rate
32%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 19 | 12 | $590,000 | $49,167 | n/a | 32% | n/a |
| 2024 | 13 | 10 | $670,000 | $67,000 | n/a | 15% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| KY | 12 | $590,000 | $49,167 | n/a | 32% | 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.