Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Commonwealth Federal Credit Union
Commonwealth Federal Credit Union
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
63
+152.0% vs 2024Originations
$5.9M
Loans x average loanAverage loan
$93,730
Average interest rate
7.61%
Denial rate
35%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 132 | 63 | $5.9M | $93,730 | 7.61% | 35% | 0% |
| 2024 | 43 | 25 | $2.4M | $96,200 | 7.69% | 26% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| KY | 62 | $5.9M | $94,516 | 7.58% | 34% | 0% |
| IN | 1 | $45,000 | $45,000 | 9.38% | 33% | 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.