Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › OAKSTAR BANK
OAKSTAR BANK
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
28
+16.7% vs 2024Originations
$3.9M
Loans x average loanAverage loan
$139,643
Average interest rate
7.63%
Denial rate
10%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 31 | 28 | $3.9M | $139,643 | 7.63% | 10% | 0% |
| 2024 | 37 | 24 | $2.5M | $105,000 | 8.16% | 19% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MO | 22 | $3.0M | $137,727 | 7.67% | 8% | 0% |
| CO | 6 | $880,000 | $146,667 | 7.46% | 14% | 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.