Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Y-12 Federal Credit Union
Y-12 Federal Credit Union
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
33
+6.5% vs 2024Originations
$2.9M
Loans x average loanAverage loan
$88,939
Average interest rate
7.21%
Denial rate
50%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 80 | 33 | $2.9M | $88,939 | 7.21% | 50% | 0% |
| 2024 | 52 | 31 | $2.7M | $85,968 | 8.34% | 23% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| TN | 28 | $2.7M | $95,357 | 7.13% | 53% | 0% |
| KY | 5 | $265,000 | $53,000 | 7.65% | 17% | 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.