Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Seaboard Federal Credit Union
Seaboard Federal Credit Union
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
27
+28.6% vs 2024Originations
$2.1M
Loans x average loanAverage loan
$76,852
Average interest rate
7.28%
Denial rate
21%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 34 | 27 | $2.1M | $76,852 | 7.28% | 21% | 0% |
| 2024 | 26 | 21 | $1.5M | $71,667 | 7.67% | 19% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| ME | 27 | $2.1M | $76,852 | 7.28% | 21% | 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.