Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Virginia Federal Credit Union
Virginia Federal Credit Union
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
37
+37.0% vs 2024Originations
$4.4M
Loans x average loanAverage loan
$118,784
Average interest rate
6.66%
Denial rate
36%
Home only share
8%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 78 | 37 | $4.4M | $118,784 | 6.66% | 36% | 8% |
| 2024 | 57 | 27 | $3.5M | $129,074 | 6.83% | 37% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| VA | 37 | $4.4M | $118,784 | 6.66% | 36% | 8% |
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.