Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › FIRST PEOPLES CFCU
FIRST PEOPLES CFCU
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
6
+50.0% vs 2024Originations
$490,000
Loans x average loanAverage loan
$81,667
Average interest rate
6.5%
Denial rate
11%
Home only share
17%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 9 | 6 | $490,000 | $81,667 | 6.5% | 11% | 17% |
| 2024 | 5 | 4 | $230,000 | $57,500 | 7.87% | 0% | 25% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WV | 3 | $225,000 | $75,000 | 6.58% | 0% | 33% |
| MD | 2 | $200,000 | $100,000 | 6.93% | 33% | 0% |
| PA | 1 | $65,000 | $65,000 | 5.38% | 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.