Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Co-op Credit Union
Co-op Credit Union
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
27
-35.7% vs 2024Originations
$3.2M
Loans x average loanAverage loan
$118,333
Average interest rate
6.57%
Denial rate
9%
Home only share
11%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 32 | 27 | $3.2M | $118,333 | 6.57% | 9% | 11% |
| 2024 | 45 | 42 | $3.3M | $78,333 | 7.05% | 4% | 31% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WI | 26 | $3.1M | $119,615 | 6.57% | 10% | 12% |
| IA | 1 | $85,000 | $85,000 | 6.55% | 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.