Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Centricity Credit Union
Centricity Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
18
+38.5% vs 2024Originations
$2.0M
Loans x average loanAverage loan
$113,889
Average interest rate
7.04%
Denial rate
8%
Home only share
17%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 26 | 18 | $2.0M | $113,889 | 7.04% | 8% | 17% |
| 2024 | 19 | 13 | $1.2M | $91,923 | 7.6% | 21% | 15% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MN | 12 | $1.3M | $105,000 | 7.05% | 0% | 25% |
| WI | 6 | $790,000 | $131,667 | 7.01% | 25% | 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.