Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › St. Cloud Financial Credit Union
St. Cloud Financial Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
3
+200.0% vs 2024Originations
$715,000
Loans x average loanAverage loan
$238,333
Average interest rate
6.54%
Denial rate
0%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 3 | 3 | $715,000 | $238,333 | 6.54% | 0% | 0% |
| 2024 | 1 | 1 | $65,000 | $65,000 | 7.49% | 0% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MN | 3 | $715,000 | $238,333 | 6.54% | 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.