Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Freedom First Federal Credit Union
Freedom First Federal Credit Union
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
29
+16.0% vs 2024Originations
$4.3M
Loans x average loanAverage loan
$147,414
Average interest rate
6.99%
Denial rate
7%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 42 | 29 | $4.3M | $147,414 | 6.99% | 7% | 0% |
| 2024 | 37 | 25 | $3.9M | $154,200 | 7.92% | 8% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| VA | 29 | $4.3M | $147,414 | 6.99% | 7% | 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.