Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › OREGON STATE CREDIT UNION
OREGON STATE CREDIT UNION
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
36
-26.5% vs 2024Originations
$6.2M
Loans x average loanAverage loan
$170,833
Average interest rate
7.42%
Denial rate
14%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 63 | 36 | $6.2M | $170,833 | 7.42% | 14% | 0% |
| 2024 | 77 | 49 | $6.2M | $127,041 | 8.33% | 16% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| OR | 36 | $6.2M | $170,833 | 7.42% | 14% | 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.