Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Banner Bank
Banner Bank
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
189
-19.6% vs 2024Originations
$45.9M
Loans x average loanAverage loan
$242,937
Average interest rate
7.35%
Denial rate
32%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 385 | 189 | $45.9M | $242,937 | 7.35% | 32% | 0% |
| 2024 | 487 | 235 | $48.6M | $206,957 | 8.26% | 31% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WA | 95 | $24.9M | $262,368 | 7.45% | 33% | 0% |
| OR | 69 | $16.0M | $232,246 | 7.08% | 32% | 0% |
| CA | 17 | $2.9M | $170,294 | 7.7% | 31% | 0% |
| ID | 8 | $2.1M | $258,750 | 7.65% | 29% | 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.