Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › OnPoint Community Credit Union
OnPoint Community Credit Union
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
161
+25.8% vs 2024Originations
$30.3M
Loans x average loanAverage loan
$188,230
Average interest rate
7.15%
Denial rate
34%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 292 | 161 | $30.3M | $188,230 | 7.15% | 34% | 0% |
| 2024 | 224 | 128 | $17.0M | $133,047 | 8.11% | 32% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| OR | 159 | $30.0M | $188,836 | 7.15% | 32% | 0% |
| WA | 2 | $280,000 | $140,000 | 6.69% | 75% | 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.