Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Unitus Community Credit Union
Unitus Community Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
15
+66.7% vs 2024Originations
$1.9M
Loans x average loanAverage loan
$128,333
Average interest rate
7.83%
Denial rate
40%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 35 | 15 | $1.9M | $128,333 | 7.83% | 40% | 0% |
| 2024 | 26 | 9 | $1.7M | $190,556 | 8.47% | 50% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| OR | 11 | $1.4M | $126,818 | 7.65% | 41% | 0% |
| WA | 4 | $530,000 | $132,500 | 8.31% | 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.