Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Eagle Community Credit Union
Eagle Community Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
480
+45.9% vs 2024Originations
$76.5M
Loans x average loanAverage loan
$159,396
Average interest rate
9.52%
Denial rate
1%
Home only share
100%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 517 | 480 | $76.5M | $159,396 | 9.52% | 1% | 100% |
| 2024 | 1,147 | 329 | $51.8M | $157,553 | 9.59% | 25% | 100% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| CA | 480 | $76.5M | $159,396 | 9.52% | 1% | 100% |
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.