Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › UNIBANK FOR SAVINGS
UNIBANK FOR SAVINGS
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
5
-64.3% vs 2024Originations
$645,000
Loans x average loanAverage loan
$129,000
Average interest rate
7.39%
Denial rate
29%
Home only share
100%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 21 | 5 | $645,000 | $129,000 | 7.39% | 29% | 100% |
| 2024 | 41 | 14 | $1.9M | $138,571 | 7.62% | 12% | 100% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MA | 3 | $385,000 | $128,333 | 7.25% | 18% | 100% |
| ME | 1 | $185,000 | $185,000 | 6.99% | 50% | 100% |
| NH | 1 | $75,000 | $75,000 | 8.24% | 33% | 100% |
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.