Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Wauna Federal Credit Union
Wauna Federal Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
15
+50.0% vs 2024Originations
$1.5M
Loans x average loanAverage loan
$97,000
Average interest rate
7.06%
Denial rate
12%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 25 | 15 | $1.5M | $97,000 | 7.06% | 12% | 0% |
| 2024 | 18 | 10 | $610,000 | $61,000 | 7.55% | 39% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| OR | 14 | $1.4M | $99,286 | 7.04% | 13% | 0% |
| WA | 1 | $65,000 | $65,000 | 7.35% | 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.