Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › ORANGE COUNTY'S FCU
ORANGE COUNTY'S FCU
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
72
+1340.0% vs 2024Originations
$9.4M
Loans x average loanAverage loan
$130,972
Average interest rate
8.98%
Denial rate
37%
Home only share
100%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 188 | 72 | $9.4M | $130,972 | 8.98% | 37% | 100% |
| 2024 | 19 | 5 | $615,000 | $123,000 | 8.69% | 42% | 80% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| CA | 72 | $9.4M | $130,972 | 8.98% | 37% | 100% |
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.