Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › IDAHO CENTRAL CREDIT UNION
IDAHO CENTRAL CREDIT UNION
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
218
+22.5% vs 2024Originations
$49.8M
Loans x average loanAverage loan
$228,211
Average interest rate
6.96%
Denial rate
29%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 426 | 218 | $49.8M | $228,211 | 6.96% | 29% | 0% |
| 2024 | 358 | 178 | $40.3M | $226,404 | 7.18% | 31% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| ID | 183 | $41.0M | $224,071 | 6.92% | 31% | 0% |
| WA | 27 | $7.0M | $257,593 | 7.18% | 15% | 0% |
| AZ | 4 | $450,000 | $112,500 | 7.38% | 43% | 0% |
| OR | 4 | $1.3M | $335,000 | 7.31% | 17% | 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.