Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › FIRST COMMUNITY CREDIT UNION
FIRST COMMUNITY CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
17
+21.4% vs 2024Originations
$2.3M
Loans x average loanAverage loan
$135,000
Average interest rate
8.03%
Denial rate
0%
Home only share
29%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 26 | 17 | $2.3M | $135,000 | 8.03% | 0% | 29% |
| 2024 | 53 | 14 | $1.5M | $107,143 | 7.54% | 23% | 29% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| ND | 14 | $1.9M | $132,857 | 8.02% | 0% | 29% |
| MN | 3 | $435,000 | $145,000 | 8.08% | 0% | 33% |
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.