Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › CENTRA CREDIT UNION
CENTRA CREDIT UNION
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
81
+55.8% vs 2024Originations
$10.2M
Loans x average loanAverage loan
$125,864
Average interest rate
6.32%
Denial rate
8%
Home only share
2%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 103 | 81 | $10.2M | $125,864 | 6.32% | 8% | 2% |
| 2024 | 72 | 52 | $6.4M | $123,462 | 6.63% | 14% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| IN | 79 | $9.9M | $125,253 | 6.32% | 8% | 3% |
| FL | 1 | $175,000 | $175,000 | 5.5% | 0% | 0% |
| KY | 1 | $125,000 | $125,000 | 6.63% | 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.