Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Hometown Credit Union
Hometown Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
12
+71.4% vs 2024Originations
$1.2M
Loans x average loanAverage loan
$97,500
Average interest rate
7.39%
Denial rate
0%
Home only share
58%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 12 | 12 | $1.2M | $97,500 | 7.39% | 0% | 58% |
| 2024 | 7 | 7 | $395,000 | $56,429 | 7.87% | 0% | 71% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| ND | 12 | $1.2M | $97,500 | 7.39% | 0% | 58% |
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.