Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Opportunities Credit Union
Opportunities Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
20
n/a vs 2024Originations
$1.8M
Loans x average loanAverage loan
$87,500
Average interest rate
7.04%
Denial rate
0%
Home only share
95%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 20 | 20 | $1.8M | $87,500 | 7.04% | 0% | 95% |
| 2024 | 2 | 0 | $0 | n/a | n/a | 0% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| VT | 20 | $1.8M | $87,500 | 7.04% | 0% | 95% |
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.