Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › L&N FEDERAL CREDIT UNION
L&N FEDERAL CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
18
+28.6% vs 2024Originations
$2.1M
Loans x average loanAverage loan
$118,889
Average interest rate
6.9%
Denial rate
26%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 34 | 18 | $2.1M | $118,889 | 6.9% | 26% | 0% |
| 2024 | 28 | 14 | $1.3M | $94,286 | 7.29% | 29% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| KY | 18 | $2.1M | $118,889 | 6.9% | 26% | 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.