Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › ORNL FEDERAL CREDIT UNION
ORNL FEDERAL CREDIT UNION
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
41
-18.0% vs 2024Originations
$5.8M
Loans x average loanAverage loan
$140,366
Average interest rate
7.58%
Denial rate
29%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 109 | 41 | $5.8M | $140,366 | 7.58% | 29% | 0% |
| 2024 | 111 | 50 | $6.1M | $122,800 | 7.84% | 22% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| TN | 41 | $5.8M | $140,366 | 7.58% | 29% | 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.