Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › HORIZON CREDIT UNION
HORIZON CREDIT UNION
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
64
+14.3% vs 2024Originations
$7.5M
Loans x average loanAverage loan
$117,969
Average interest rate
5.59%
Denial rate
29%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 123 | 64 | $7.5M | $117,969 | 5.59% | 29% | 0% |
| 2024 | 118 | 56 | $8.0M | $143,036 | 7.28% | 34% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WA | 43 | $4.7M | $108,721 | 5.48% | 25% | 0% |
| MT | 9 | $1.3M | $142,778 | 4.97% | 25% | 0% |
| ID | 8 | $1.2M | $146,250 | 6.81% | 43% | 0% |
| OR | 4 | $420,000 | $105,000 | 5.75% | 43% | 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.