Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Cornerstone Credit Union
Cornerstone Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
14
+100.0% vs 2024Originations
$440,000
Loans x average loanAverage loan
$31,429
Average interest rate
6.73%
Denial rate
17%
Home only share
43%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 18 | 14 | $440,000 | $31,429 | 6.73% | 17% | 43% |
| 2024 | 17 | 7 | $225,000 | $32,143 | n/a | 35% | 100% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| IL | 14 | $440,000 | $31,429 | 6.73% | 17% | 43% |
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.