Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Five County Credit Union
Five County Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
10
+66.7% vs 2024Originations
$730,000
Loans x average loanAverage loan
$73,000
Average interest rate
8.16%
Denial rate
45%
Home only share
50%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 20 | 10 | $730,000 | $73,000 | 8.16% | 45% | 50% |
| 2024 | 8 | 6 | $420,000 | $70,000 | 9.6% | 13% | 83% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| ME | 10 | $730,000 | $73,000 | 8.16% | 45% | 50% |
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.