Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Meridian Trust Federal Credit Union
Meridian Trust Federal Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
4
-42.9% vs 2024Originations
$410,000
Loans x average loanAverage loan
$102,500
Average interest rate
7%
Denial rate
40%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 10 | 4 | $410,000 | $102,500 | 7% | 40% | 0% |
| 2024 | 18 | 7 | $475,000 | $67,857 | 7.27% | 33% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WY | 4 | $410,000 | $102,500 | 7% | 40% | 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.