Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Liberty Federal Credit Union
Liberty Federal Credit Union
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
130
+22.6% vs 2024Originations
$21.6M
Loans x average loanAverage loan
$166,231
Average interest rate
6.73%
Denial rate
11%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 189 | 130 | $21.6M | $166,231 | 6.73% | 11% | 0% |
| 2024 | 158 | 106 | $16.2M | $152,642 | 6.91% | 18% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| KY | 72 | $11.4M | $158,194 | 6.6% | 5% | 0% |
| IN | 43 | $7.0M | $162,907 | 6.87% | 10% | 0% |
| TN | 4 | $830,000 | $207,500 | 6.91% | 17% | 0% |
| OH | 3 | $415,000 | $138,333 | 7.13% | 0% | 0% |
| SC | 3 | $585,000 | $195,000 | 7.08% | 0% | 0% |
| FL | 2 | $950,000 | $475,000 | 6.25% | 33% | 0% |
| IL | 1 | $55,000 | $55,000 | 6.5% | 40% | 0% |
| GA | 1 | $185,000 | $185,000 | 6.38% | 50% | 0% |
| CA | 1 | $195,000 | $195,000 | 9% | 0% | 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.