Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › SELCO COMMUNITY CREDIT UNION
SELCO COMMUNITY CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
13
-23.5% vs 2024Originations
$1.3M
Loans x average loanAverage loan
$102,692
Average interest rate
7.15%
Denial rate
71%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 84 | 13 | $1.3M | $102,692 | 7.15% | 71% | 0% |
| 2024 | 83 | 17 | $1.1M | $66,176 | 8.04% | 58% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| OR | 12 | $1.3M | $108,333 | 7.12% | 72% | 0% |
| WA | 1 | $35,000 | $35,000 | 7.5% | 0% | 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.