Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › FIRST NATIONAL BANK OF PA
FIRST NATIONAL BANK OF PA
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
157
+22.7% vs 2024Originations
$14.3M
Loans x average loanAverage loan
$90,924
Average interest rate
6.67%
Denial rate
21%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 241 | 157 | $14.3M | $90,924 | 6.67% | 21% | 0% |
| 2024 | 203 | 128 | $11.8M | $92,188 | 7.18% | 24% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NC | 77 | $8.2M | $106,039 | 6.64% | 26% | 0% |
| PA | 72 | $5.3M | $74,167 | 6.68% | 14% | 0% |
| OH | 2 | $110,000 | $55,000 | 6.95% | 50% | 0% |
| SC | 2 | $220,000 | $110,000 | 6.57% | 40% | 0% |
| WV | 2 | $100,000 | $50,000 | 7.77% | 0% | 0% |
| DE | 1 | $125,000 | $125,000 | 6.88% | 0% | 0% |
| VA | 1 | $215,000 | $215,000 | 6.14% | 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.