Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › BAY FEDERAL CREDIT UNION
BAY FEDERAL CREDIT UNION
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
51
-20.3% vs 2024Originations
$11.2M
Loans x average loanAverage loan
$219,510
Average interest rate
8.01%
Denial rate
13%
Home only share
67%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 79 | 51 | $11.2M | $219,510 | 8.01% | 13% | 67% |
| 2024 | 94 | 64 | $14.0M | $218,125 | 8.09% | 14% | 70% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| CA | 51 | $11.2M | $219,510 | 8.01% | 13% | 67% |
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.