Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › GESA CREDIT UNION
GESA CREDIT UNION
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
146
+15.9% vs 2024Originations
$24.1M
Loans x average loanAverage loan
$165,000
Average interest rate
7.66%
Denial rate
22%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 259 | 146 | $24.1M | $165,000 | 7.66% | 22% | 0% |
| 2024 | 225 | 126 | $22.3M | $176,984 | 8.25% | 26% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WA | 132 | $20.9M | $158,636 | 7.66% | 22% | 0% |
| OR | 10 | $1.6M | $161,000 | 8.19% | 7% | 0% |
| ID | 4 | $1.5M | $385,000 | 6.36% | 42% | 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.