Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › VALLEY FINANCIAL CREDIT UNION
VALLEY FINANCIAL CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
16
-5.9% vs 2024Originations
$1.1M
Loans x average loanAverage loan
$66,250
Average interest rate
8.01%
Denial rate
32%
Home only share
81%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 25 | 16 | $1.1M | $66,250 | 8.01% | 32% | 81% |
| 2024 | 22 | 17 | $1.0M | $61,471 | 7.83% | 23% | 82% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MT | 16 | $1.1M | $66,250 | 8.01% | 33% | 81% |
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.