Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › PCM CREDIT UNION
PCM CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
11
+22.2% vs 2024Originations
$1.1M
Loans x average loanAverage loan
$96,818
Average interest rate
5.73%
Denial rate
14%
Home only share
9%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 14 | 11 | $1.1M | $96,818 | 5.73% | 14% | 9% |
| 2024 | 15 | 9 | $1.2M | $138,333 | 6.44% | 0% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WI | 10 | $970,000 | $97,000 | 5.74% | 17% | 10% |
| MI | 1 | $95,000 | $95,000 | 5.63% | 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.