Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › ONEAZ CREDIT UNION
ONEAZ CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
24
-7.7% vs 2024Originations
$5.7M
Loans x average loanAverage loan
$237,917
Average interest rate
6.61%
Denial rate
9%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 45 | 24 | $5.7M | $237,917 | 6.61% | 9% | 0% |
| 2024 | 57 | 26 | $4.7M | $181,154 | 6.93% | 23% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| AZ | 24 | $5.7M | $237,917 | 6.61% | 9% | 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.