Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › SCOTT CREDIT UNION
SCOTT CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
4
-50.0% vs 2024Originations
$600,000
Loans x average loanAverage loan
$150,000
Average interest rate
6.44%
Denial rate
33%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 12 | 4 | $600,000 | $150,000 | 6.44% | 33% | 0% |
| 2024 | 9 | 8 | $1.1M | $136,250 | 6.39% | 0% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| IL | 3 | $405,000 | $135,000 | 6.54% | 40% | 0% |
| MO | 1 | $195,000 | $195,000 | 6.13% | 0% | 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.