Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › ROGUE CREDIT UNION
ROGUE CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
342
+0.6% vs 2024Originations
$43.9M
Loans x average loanAverage loan
$128,216
Average interest rate
8.07%
Denial rate
12%
Home only share
37%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 554 | 342 | $43.9M | $128,216 | 8.07% | 12% | 37% |
| 2024 | 562 | 340 | $44.4M | $130,441 | 8.28% | 14% | 35% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| OR | 318 | $40.6M | $127,642 | 8.1% | 12% | 37% |
| ID | 18 | $2.0M | $110,000 | 7.74% | 11% | 50% |
| CA | 6 | $1.3M | $213,333 | 7.64% | 11% | 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.