Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › O BEE CREDIT UNION
O BEE CREDIT UNION
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
27
+35.0% vs 2024Originations
$4.4M
Loans x average loanAverage loan
$164,630
Average interest rate
7.48%
Denial rate
18%
Home only share
7%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 50 | 27 | $4.4M | $164,630 | 7.48% | 18% | 7% |
| 2024 | 39 | 20 | $2.3M | $114,500 | 8.43% | 23% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WA | 27 | $4.4M | $164,630 | 7.48% | 18% | 7% |
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.