Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › TINKER FEDERAL CREDIT UNION
TINKER FEDERAL CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
12
+100.0% vs 2024Originations
$1.1M
Loans x average loanAverage loan
$88,333
Average interest rate
7.44%
Denial rate
37%
Home only share
50%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 49 | 12 | $1.1M | $88,333 | 7.44% | 37% | 50% |
| 2024 | 20 | 6 | $230,000 | $38,333 | 8.49% | 55% | 100% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| OK | 12 | $1.1M | $88,333 | 7.44% | 37% | 50% |
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.