Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › VALLEYSTAR CREDIT UNION
VALLEYSTAR CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
9
-52.6% vs 2024Originations
$535,000
Loans x average loanAverage loan
$59,444
Average interest rate
7.36%
Denial rate
57%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 23 | 9 | $535,000 | $59,444 | 7.36% | 57% | 0% |
| 2024 | 38 | 19 | $2.1M | $108,158 | 6.74% | 39% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| VA | 9 | $535,000 | $59,444 | 7.36% | 59% | 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.