Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › WHATCOM EDUCATIONAL CREDIT UNI
WHATCOM EDUCATIONAL CREDIT UNI
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
39
-20.4% vs 2024Originations
$8.1M
Loans x average loanAverage loan
$207,821
Average interest rate
6.92%
Denial rate
34%
Home only share
3%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 90 | 39 | $8.1M | $207,821 | 6.92% | 34% | 3% |
| 2024 | 87 | 49 | $8.0M | $162,347 | 7.9% | 26% | 4% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WA | 39 | $8.1M | $207,821 | 6.92% | 34% | 3% |
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.