Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › First Alliance Credit Union
First Alliance Credit Union
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
46
+43.8% vs 2024Originations
$3.0M
Loans x average loanAverage loan
$66,087
Average interest rate
7.54%
Denial rate
55%
Home only share
93%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 211 | 46 | $3.0M | $66,087 | 7.54% | 55% | 93% |
| 2024 | 175 | 32 | $1.8M | $56,563 | 7.68% | 67% | 94% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MN | 46 | $3.0M | $66,087 | 7.54% | 55% | 93% |
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.