Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › 1st Community Credit Union
1st Community Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
24
+4.3% vs 2024Originations
$2.1M
Loans x average loanAverage loan
$85,833
Average interest rate
9.34%
Denial rate
20%
Home only share
42%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 40 | 24 | $2.1M | $85,833 | 9.34% | 20% | 42% |
| 2024 | 42 | 23 | $2.1M | $90,217 | 9.56% | 19% | 39% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WI | 24 | $2.1M | $85,833 | 9.34% | 20% | 42% |
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.