Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › HOPE FEDERAL CREDIT UNION
HOPE FEDERAL CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
13
+333.3% vs 2024Originations
$1.1M
Loans x average loanAverage loan
$86,538
Average interest rate
7.19%
Denial rate
38%
Home only share
33%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 21 | 13 | $1.1M | $86,538 | 7.19% | 38% | 33% |
| 2024 | 8 | 3 | $315,000 | $105,000 | 6.63% | 63% | 100% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MS | 11 | $955,000 | $86,818 | 7.23% | 31% | 43% |
| AL | 2 | $170,000 | $85,000 | 6.88% | 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.