Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › GENISYS CREDIT UNION
GENISYS CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
22
-15.4% vs 2024Originations
$2.4M
Loans x average loanAverage loan
$110,455
Average interest rate
7.83%
Denial rate
21%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 34 | 22 | $2.4M | $110,455 | 7.83% | 21% | 0% |
| 2024 | 38 | 26 | $2.4M | $91,923 | 7.35% | 26% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MI | 20 | $2.0M | $102,000 | 7.92% | 23% | 0% |
| FL | 1 | $155,000 | $155,000 | 6.88% | 0% | 0% |
| GA | 1 | $235,000 | $235,000 | 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.