Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › CREDIT UNION MORTGAGE ASSOCIAT
CREDIT UNION MORTGAGE ASSOCIAT
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
21
+162.5% vs 2024Originations
$3.3M
Loans x average loanAverage loan
$156,429
Average interest rate
6.43%
Denial rate
23%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 53 | 21 | $3.3M | $156,429 | 6.43% | 23% | 0% |
| 2024 | 19 | 8 | $1.3M | $156,250 | 6.06% | 16% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NC | 13 | $2.0M | $151,154 | 6.53% | 24% | 0% |
| VA | 2 | $260,000 | $130,000 | 6.19% | 0% | 0% |
| IN | 1 | $105,000 | $105,000 | 6.63% | 0% | 0% |
| CO | 1 | $215,000 | $215,000 | 6.88% | 0% | 0% |
| NY | 1 | $185,000 | $185,000 | 6.63% | 50% | 0% |
| PA | 1 | $175,000 | $175,000 | 6.5% | 0% | 0% |
| NM | 1 | $225,000 | $225,000 | 5.75% | 0% | 0% |
| DE | 1 | $155,000 | $155,000 | 5.38% | 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.