Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › HUDSON VALLEY CREDIT UNION
HUDSON VALLEY CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
6
+500.0% vs 2024Originations
$820,000
Loans x average loanAverage loan
$136,667
Average interest rate
6.48%
Denial rate
35%
Home only share
33%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 26 | 6 | $820,000 | $136,667 | 6.48% | 35% | 33% |
| 2024 | 15 | 1 | $175,000 | $175,000 | 6.63% | 53% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NY | 6 | $820,000 | $136,667 | 6.48% | 35% | 33% |
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.