Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › WAYNE BANK
WAYNE BANK
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
15
+36.4% vs 2024Originations
$9.7M
Loans x average loanAverage loan
$649,667
Average interest rate
n/a
Denial rate
43%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 35 | 15 | $9.7M | $649,667 | n/a | 43% | n/a |
| 2024 | 18 | 11 | $2.4M | $220,455 | 9.07% | 28% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NY | 8 | $3.5M | $433,750 | n/a | 46% | n/a |
| PA | 7 | $6.3M | $896,429 | n/a | 36% | 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.