Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › SERVICE 1ST FEDERAL CREDIT UNI
SERVICE 1ST FEDERAL CREDIT UNI
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
8
+33.3% vs 2024Originations
$730,000
Loans x average loanAverage loan
$91,250
Average interest rate
6.96%
Denial rate
10%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 10 | 8 | $730,000 | $91,250 | 6.96% | 10% | 0% |
| 2024 | 8 | 6 | $580,000 | $96,667 | 7.6% | 25% | 17% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| PA | 7 | $555,000 | $79,286 | 6.92% | 11% | 0% |
| MI | 1 | $175,000 | $175,000 | 7.25% | 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.