Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Library of Congress Federal Credit Union
Library of Congress Federal Credit Union
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
87
-19.4% vs 2024Originations
$13.3M
Loans x average loanAverage loan
$152,356
Average interest rate
4.49%
Denial rate
0%
Home only share
100%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 113 | 87 | $13.3M | $152,356 | 4.49% | 0% | 100% |
| 2024 | 143 | 108 | $12.9M | $119,537 | 4.38% | 13% | 100% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MD | 47 | $6.2M | $131,596 | 4.52% | 0% | 100% |
| VA | 19 | $3.8M | $200,789 | 4.42% | 0% | 100% |
| DC | 16 | $2.2M | $136,875 | 4.05% | 0% | 100% |
| MI | 1 | $275,000 | $275,000 | 6.5% | 0% | 100% |
| NJ | 1 | $85,000 | $85,000 | 3.5% | 0% | 100% |
| PA | 1 | $35,000 | $35,000 | 6.65% | 0% | 100% |
| TX | 1 | $335,000 | $335,000 | 5.88% | 0% | 100% |
| IL | 1 | $335,000 | $335,000 | 6.5% | 0% | 100% |
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.