Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Patriot FCU
Patriot FCU
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
13
-31.6% vs 2024Originations
$2.1M
Loans x average loanAverage loan
$161,923
Average interest rate
6.05%
Denial rate
50%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 30 | 13 | $2.1M | $161,923 | 6.05% | 50% | 0% |
| 2024 | 42 | 19 | $1.0M | $55,000 | 6.7% | 36% | 5% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| PA | 10 | $2.0M | $196,000 | 6.21% | 50% | 0% |
| WV | 2 | $80,000 | $40,000 | 5.74% | 60% | 0% |
| MD | 1 | $65,000 | $65,000 | 4.99% | 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.