Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Willamette Valley Bank
Willamette Valley Bank
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
30
-16.7% vs 2024Originations
$11.8M
Loans x average loanAverage loan
$391,667
Average interest rate
6.34%
Denial rate
18%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 49 | 30 | $11.8M | $391,667 | 6.34% | 18% | 0% |
| 2024 | 64 | 36 | $9.3M | $259,167 | 6.83% | 11% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| ID | 16 | $6.1M | $383,750 | 6.33% | 23% | 0% |
| WA | 7 | $2.1M | $303,571 | 6.42% | 17% | 0% |
| OR | 6 | $3.2M | $530,000 | 6.22% | 11% | 0% |
| FL | 1 | $305,000 | $305,000 | 6.75% | 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.