Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › 802 Credit Union
802 Credit Union
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
32
+60.0% vs 2024Originations
$3.7M
Loans x average loanAverage loan
$115,625
Average interest rate
8.53%
Denial rate
17%
Home only share
25%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 41 | 32 | $3.7M | $115,625 | 8.53% | 17% | 25% |
| 2024 | 20 | 20 | $1.7M | $87,000 | 8.86% | 0% | 20% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| VT | 25 | $2.9M | $115,400 | 8.63% | 16% | 24% |
| NH | 7 | $815,000 | $116,429 | 8.19% | 20% | 29% |
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.