Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Ferguson Federal Credit Union
Ferguson Federal Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
7
+16.7% vs 2024Originations
$875,000
Loans x average loanAverage loan
$125,000
Average interest rate
9.21%
Denial rate
24%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 17 | 7 | $875,000 | $125,000 | 9.21% | 24% | 0% |
| 2024 | 14 | 6 | $410,000 | $68,333 | 9% | 7% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MS | 7 | $875,000 | $125,000 | 9.21% | 24% | 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.