Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › HERITAGE FEDERAL CREDIT UNION
HERITAGE FEDERAL CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
13
+0.0% vs 2024Originations
$1.3M
Loans x average loanAverage loan
$101,923
Average interest rate
7.35%
Denial rate
36%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 25 | 13 | $1.3M | $101,923 | 7.35% | 36% | 0% |
| 2024 | 23 | 13 | $1.3M | $100,385 | 7.31% | 30% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| IN | 12 | $1.2M | $97,500 | 7.34% | 29% | 0% |
| KY | 1 | $155,000 | $155,000 | 7.38% | 75% | 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.