Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › LIGHTHOUSE FEDERAL CREDIT UNION
LIGHTHOUSE FEDERAL CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
10
-41.2% vs 2024Originations
$5.0M
Loans x average loanAverage loan
$497,000
Average interest rate
7.36%
Denial rate
63%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 48 | 10 | $5.0M | $497,000 | 7.36% | 63% | 0% |
| 2024 | 52 | 17 | $1.2M | $71,471 | 7.28% | 58% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NH | 7 | $4.5M | $649,286 | 7.6% | 61% | 0% |
| ME | 3 | $425,000 | $141,667 | 6.79% | 67% | 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.