Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › VERIDIAN CREDIT UNION
VERIDIAN CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
17
+183.3% vs 2024Originations
$3.0M
Loans x average loanAverage loan
$174,412
Average interest rate
6.04%
Denial rate
13%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 24 | 17 | $3.0M | $174,412 | 6.04% | 13% | 0% |
| 2024 | 10 | 6 | $600,000 | $100,000 | 6.46% | 20% | 17% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| IA | 14 | $2.3M | $163,571 | 6.1% | 14% | 0% |
| MN | 1 | $165,000 | $165,000 | 6.25% | 0% | 0% |
| NE | 1 | $275,000 | $275,000 | 5.38% | 0% | 0% |
| WI | 1 | $235,000 | $235,000 | 5.75% | 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.