Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Celco Community Federal Credit Union
Celco Community Federal Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
10
-33.3% vs 2024Originations
$810,000
Loans x average loanAverage loan
$81,000
Average interest rate
8.33%
Denial rate
9%
Home only share
20%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 11 | 10 | $810,000 | $81,000 | 8.33% | 9% | 20% |
| 2024 | 22 | 15 | $1.5M | $98,333 | 7.87% | 9% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| VA | 6 | $410,000 | $68,333 | 8.75% | 14% | 33% |
| WV | 4 | $400,000 | $100,000 | 7.69% | 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.