Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › UNITED FEDERAL CREDIT UNION
UNITED FEDERAL CREDIT UNION
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
142
+10.1% vs 2024Originations
$20.3M
Loans x average loanAverage loan
$142,817
Average interest rate
7.12%
Denial rate
11%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 204 | 142 | $20.3M | $142,817 | 7.12% | 11% | 0% |
| 2024 | 199 | 129 | $17.8M | $138,178 | 7.95% | 13% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NV | 50 | $9.5M | $190,000 | 6.67% | 13% | 0% |
| NC | 47 | $6.2M | $130,957 | 7.41% | 11% | 0% |
| MI | 23 | $2.5M | $110,217 | 7.58% | 3% | 0% |
| AR | 8 | $640,000 | $80,000 | 6.77% | 23% | 0% |
| OH | 7 | $925,000 | $132,143 | 7.18% | 0% | 0% |
| OK | 4 | $270,000 | $67,500 | 6.8% | 20% | 0% |
| CA | 2 | $150,000 | $75,000 | 9.13% | 33% | 0% |
| IN | 1 | $105,000 | $105,000 | 5.62% | 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.