Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › ROYAL CREDIT UNION
ROYAL CREDIT UNION
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
65
+0.0% vs 2024Originations
$9.2M
Loans x average loanAverage loan
$141,462
Average interest rate
6.89%
Denial rate
20%
Home only share
2%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 89 | 65 | $9.2M | $141,462 | 6.89% | 20% | 2% |
| 2024 | 103 | 65 | $8.8M | $135,923 | 7.84% | 18% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WI | 60 | $8.3M | $139,000 | 6.93% | 19% | 2% |
| MN | 4 | $750,000 | $187,500 | 6.35% | 43% | 0% |
| FL | 1 | $105,000 | $105,000 | 7.13% | 0% | 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.