Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Emblem Credit Union
Emblem Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
8
+300.0% vs 2024Originations
$670,000
Loans x average loanAverage loan
$83,750
Average interest rate
7.44%
Denial rate
38%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 13 | 8 | $670,000 | $83,750 | 7.44% | 38% | 0% |
| 2024 | 14 | 2 | $360,000 | $180,000 | 8.25% | 57% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| AL | 8 | $670,000 | $83,750 | 7.44% | 38% | 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.