Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Westmark Credit Union
Westmark Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
16
+33.3% vs 2024Originations
$2.0M
Loans x average loanAverage loan
$124,375
Average interest rate
6.91%
Denial rate
17%
Home only share
6%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 29 | 16 | $2.0M | $124,375 | 6.91% | 17% | 6% |
| 2024 | 24 | 12 | $790,000 | $65,833 | 6.98% | 29% | 25% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| ID | 16 | $2.0M | $124,375 | 6.91% | 18% | 6% |
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.