Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Atlantic Federal Credit Union
Atlantic Federal Credit Union
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
120
-12.4% vs 2024Originations
$11.0M
Loans x average loanAverage loan
$91,500
Average interest rate
9.31%
Denial rate
20%
Home only share
72%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 219 | 120 | $11.0M | $91,500 | 9.31% | 20% | 72% |
| 2024 | 236 | 137 | $12.0M | $87,628 | 9.1% | 32% | 74% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| ME | 120 | $11.0M | $91,500 | 9.31% | 19% | 72% |
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.