Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › SOUND CREDIT UNION
SOUND CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
22
+37.5% vs 2024Originations
$2.9M
Loans x average loanAverage loan
$130,000
Average interest rate
7.27%
Denial rate
45%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 51 | 22 | $2.9M | $130,000 | 7.27% | 45% | 0% |
| 2024 | 51 | 16 | $1.4M | $88,750 | 6.63% | 45% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WA | 22 | $2.9M | $130,000 | 7.27% | 45% | 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.