Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Farm Credit of the Virginias, ACA
Farm Credit of the Virginias, ACA
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
23
+35.3% vs 2024Originations
$3.8M
Loans x average loanAverage loan
$165,870
Average interest rate
8.67%
Denial rate
29%
Home only share
4%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 51 | 23 | $3.8M | $165,870 | 8.67% | 29% | 4% |
| 2024 | 39 | 17 | $2.4M | $143,235 | 8.89% | 33% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| VA | 18 | $3.2M | $175,556 | 8.7% | 26% | 0% |
| WV | 3 | $455,000 | $151,667 | 8.33% | 38% | 0% |
| MD | 2 | $200,000 | $100,000 | 8.89% | 40% | 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.