Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › NUMERICA CREDIT UNION
NUMERICA CREDIT UNION
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
68
-11.7% vs 2024Originations
$15.1M
Loans x average loanAverage loan
$221,324
Average interest rate
7.57%
Denial rate
48%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 162 | 68 | $15.1M | $221,324 | 7.57% | 48% | 0% |
| 2024 | 159 | 77 | $15.4M | $199,416 | 8.44% | 41% | 4% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WA | 58 | $7.5M | $129,483 | 7.63% | 50% | 0% |
| ID | 7 | $2.8M | $395,000 | 7.31% | 36% | 0% |
| OR | 2 | $2.1M | $1,050,000 | 7.09% | 33% | 0% |
| MT | 1 | $2.7M | $2,675,000 | 6.67% | 0% | n/a |
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.