Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Union Bank
Union Bank
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
70
+11.1% vs 2024Originations
$11.1M
Loans x average loanAverage loan
$158,429
Average interest rate
7.01%
Denial rate
5%
Home only share
3%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 80 | 70 | $11.1M | $158,429 | 7.01% | 5% | 3% |
| 2024 | 86 | 63 | $9.7M | $153,254 | 7.27% | 20% | 2% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| VT | 59 | $9.9M | $167,373 | 6.99% | 6% | 2% |
| NH | 11 | $1.2M | $110,455 | 7.07% | 0% | 9% |
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.