Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › USALLIANCE FEDERAL CREDIT UNION
USALLIANCE FEDERAL CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
12
Originations
$1.3M
Loans x average loanAverage loan
$108,333
Average interest rate
8.31%
Denial rate
29%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 21 | 12 | $1.3M | $108,333 | 8.31% | 29% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| CA | 3 | $455,000 | $151,667 | 7.75% | 25% | 0% |
| WA | 2 | $160,000 | $80,000 | 8% | 33% | 0% |
| GA | 1 | $55,000 | $55,000 | 10.75% | 0% | 0% |
| AZ | 1 | $105,000 | $105,000 | 7.75% | 67% | 0% |
| MT | 1 | $115,000 | $115,000 | 7% | 0% | 0% |
| OH | 1 | $75,000 | $75,000 | 8.5% | 0% | 0% |
| OR | 1 | $105,000 | $105,000 | 10.5% | 50% | 0% |
| ID | 1 | $105,000 | $105,000 | 8.25% | 0% | 0% |
| CO | 1 | $125,000 | $125,000 | 7.75% | 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.