Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › FIRST HERITAGE FEDERAL CREDIT UNION
FIRST HERITAGE FEDERAL CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
9
+28.6% vs 2024Originations
$825,000
Loans x average loanAverage loan
$91,667
Average interest rate
6.48%
Denial rate
31%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 16 | 9 | $825,000 | $91,667 | 6.48% | 31% | 0% |
| 2024 | 16 | 7 | $695,000 | $99,286 | 6.84% | 25% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NY | 7 | $615,000 | $87,857 | 6.48% | 18% | 0% |
| PA | 2 | $210,000 | $105,000 | 6.5% | 60% | 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.