Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › VERMONT FEDERAL CREDIT UNION
VERMONT FEDERAL CREDIT UNION
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
27
+58.8% vs 2024Originations
$4.0M
Loans x average loanAverage loan
$147,963
Average interest rate
6.93%
Denial rate
14%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 36 | 27 | $4.0M | $147,963 | 6.93% | 14% | 0% |
| 2024 | 23 | 17 | $2.1M | $122,647 | 7.45% | 22% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| VT | 27 | $4.0M | $147,963 | 6.93% | 14% | 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.