Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Barrington Bank & Trust Company, N.A.
Barrington Bank & Trust Company, N.A.
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
136
-12.8% vs 2024Originations
$26.8M
Loans x average loanAverage loan
$196,691
Average interest rate
6.8%
Denial rate
18%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 264 | 136 | $26.8M | $196,691 | 6.8% | 18% | 0% |
| 2024 | 323 | 156 | $28.6M | $183,077 | 6.71% | 15% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NC | 10 | $1.9M | $191,000 | 6.94% | 6% | 0% |
| FL | 9 | $1.9M | $208,333 | 7.05% | 15% | 0% |
| GA | 9 | $1.5M | $171,667 | 7.01% | 23% | 0% |
| WI | 9 | $1.9M | $207,222 | 7.14% | 21% | 0% |
| NY | 7 | $945,000 | $135,000 | 6.82% | 0% | 0% |
| WA | 7 | $2.0M | $287,857 | 6.82% | 0% | 0% |
| MI | 7 | $935,000 | $133,571 | 6.82% | 8% | 0% |
| TN | 5 | $935,000 | $187,000 | 6.78% | 36% | 0% |
| SC | 5 | $855,000 | $171,000 | 6.38% | 0% | 0% |
| MT | 5 | $2.0M | $393,000 | 6.5% | 0% | 0% |
| MN | 5 | $1.1M | $225,000 | 6.3% | 14% | 0% |
| ID | 4 | $1.4M | $362,500 | 6.75% | 0% | 0% |
| AZ | 4 | $820,000 | $205,000 | 6.75% | 38% | 0% |
| OR | 4 | $820,000 | $205,000 | 6.9% | 0% | 0% |
| AL | 3 | $395,000 | $131,667 | 7.08% | 0% | 0% |
| AR | 3 | $315,000 | $105,000 | 6.58% | 40% | 0% |
| CA | 3 | $1.1M | $365,000 | 6.87% | 20% | 0% |
| IL | 3 | $375,000 | $125,000 | 6.83% | 38% | 0% |
| MS | 3 | $365,000 | $121,667 | 6.92% | 0% | 0% |
| NV | 3 | $525,000 | $175,000 | 6.63% | 0% | 0% |
| OH | 3 | $555,000 | $185,000 | 6.5% | 29% | 0% |
| TX | 3 | $275,000 | $91,667 | 6.62% | 29% | 0% |
| NM | 2 | $450,000 | $225,000 | 6.94% | 20% | 0% |
| IA | 2 | $310,000 | $155,000 | 6.69% | 33% | 0% |
| LA | 2 | $290,000 | $145,000 | 6.63% | 29% | 0% |
| KY | 2 | $180,000 | $90,000 | 6.94% | 0% | 0% |
| IN | 2 | $260,000 | $130,000 | 6.25% | 43% | 0% |
| WV | 2 | $250,000 | $125,000 | 6.18% | 0% | 0% |
| VT | 2 | $380,000 | $190,000 | 6.25% | 0% | 0% |
| ND | 2 | $400,000 | $200,000 | 6.5% | 25% | 0% |
| ME | 1 | $255,000 | $255,000 | 7.75% | 0% | 0% |
| DE | 1 | $205,000 | $205,000 | 6.75% | 0% | 0% |
| UT | 1 | $265,000 | $265,000 | 8.13% | 0% | 0% |
| VA | 1 | $245,000 | $245,000 | 6.75% | 0% | 0% |
| NE | 1 | $145,000 | $145,000 | 7.25% | 50% | 0% |
| MO | 1 | $155,000 | $155,000 | 7.25% | 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.