Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Farm Credit East ACA
Farm Credit East ACA
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
15
-37.5% vs 2024Originations
$2.0M
Loans x average loanAverage loan
$130,333
Average interest rate
6.91%
Denial rate
6%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 16 | 15 | $2.0M | $130,333 | 6.91% | 6% | 0% |
| 2024 | 28 | 24 | $3.8M | $157,917 | 7.18% | 0% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NY | 15 | $2.0M | $130,333 | 6.91% | 6% | 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.