Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › MID AMERICAN CREDIT UNION
MID AMERICAN CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
4
-71.4% vs 2024Originations
$500,000
Loans x average loanAverage loan
$125,000
Average interest rate
7.19%
Denial rate
17%
Home only share
25%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 6 | 4 | $500,000 | $125,000 | 7.19% | 17% | 25% |
| 2024 | 14 | 14 | $560,000 | $40,000 | 9% | 0% | 100% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| KS | 4 | $500,000 | $125,000 | 7.19% | 17% | 25% |
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.