Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Star USA Federal Credit Union
Star USA Federal Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
6
-89.3% vs 2024Originations
$430,000
Loans x average loanAverage loan
$71,667
Average interest rate
9%
Denial rate
0%
Home only share
100%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 41 | 6 | $430,000 | $71,667 | 9% | 0% | 100% |
| 2024 | 124 | 56 | $4.1M | $73,393 | 9.46% | 1% | 100% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MI | 1 | $35,000 | $35,000 | 10.67% | 0% | 100% |
| MN | 1 | $65,000 | $65,000 | 8.75% | 0% | 100% |
| NJ | 1 | $115,000 | $115,000 | 8.75% | 0% | 100% |
| NY | 1 | $35,000 | $35,000 | 8.55% | 0% | 100% |
| OH | 1 | $45,000 | $45,000 | 9.1% | 0% | 100% |
| OR | 1 | $135,000 | $135,000 | 8.2% | 0% | 100% |
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.