Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › WINGS FINANCIAL CREDIT UNION
WINGS FINANCIAL CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
6
-25.0% vs 2024Originations
$1.4M
Loans x average loanAverage loan
$231,667
Average interest rate
6.35%
Denial rate
38%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 13 | 6 | $1.4M | $231,667 | 6.35% | 38% | 0% |
| 2024 | 17 | 8 | $1.2M | $148,750 | 7.23% | 29% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MN | 3 | $665,000 | $221,667 | 6.67% | 50% | 0% |
| FL | 1 | $105,000 | $105,000 | 6.25% | 0% | 0% |
| NC | 1 | $235,000 | $235,000 | 6% | 0% | 0% |
| WI | 1 | $385,000 | $385,000 | 5.88% | 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.