Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Members Cooperative Credit Union
Members Cooperative Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
22
+69.2% vs 2024Originations
$2.0M
Loans x average loanAverage loan
$92,273
Average interest rate
9.65%
Denial rate
20%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 41 | 22 | $2.0M | $92,273 | 9.65% | 20% | 0% |
| 2024 | 29 | 13 | $1.7M | $129,615 | 10.65% | 31% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MN | 20 | $1.7M | $86,500 | 9.75% | 21% | 0% |
| WI | 2 | $300,000 | $150,000 | 8.69% | 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.