Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › UNIVERSITY CREDIT UNION
UNIVERSITY CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
8
-46.7% vs 2024Originations
$810,000
Loans x average loanAverage loan
$101,250
Average interest rate
7.8%
Denial rate
11%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 18 | 8 | $810,000 | $101,250 | 7.8% | 11% | 0% |
| 2024 | 26 | 15 | $1.5M | $98,333 | 8.28% | 12% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| ME | 8 | $810,000 | $101,250 | 7.8% | 11% | 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.