Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Sidney Federal Credit Union
Sidney Federal Credit Union
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
62
+63.2% vs 2024Originations
$4.7M
Loans x average loanAverage loan
$75,484
Average interest rate
6.89%
Denial rate
22%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 110 | 62 | $4.7M | $75,484 | 6.89% | 22% | 0% |
| 2024 | 67 | 38 | $2.4M | $63,684 | n/a | 27% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NY | 62 | $4.7M | $75,484 | 6.89% | 22% | 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.