Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › LAKE CITY BANK
LAKE CITY BANK
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
36
-5.3% vs 2024Originations
$2.7M
Loans x average loanAverage loan
$75,833
Average interest rate
7.76%
Denial rate
24%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 59 | 36 | $2.7M | $75,833 | 7.76% | 24% | 0% |
| 2024 | 70 | 38 | $3.7M | $98,158 | 8.48% | 34% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| IN | 34 | $2.6M | $77,647 | 7.74% | 25% | 0% |
| MI | 2 | $90,000 | $45,000 | 8.13% | 0% | 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.