Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › EVERWISE CREDIT UNION
EVERWISE CREDIT UNION
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
42
+40.0% vs 2024Originations
$4.3M
Loans x average loanAverage loan
$102,381
Average interest rate
7.34%
Denial rate
31%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 72 | 42 | $4.3M | $102,381 | 7.34% | 31% | 0% |
| 2024 | 53 | 30 | $3.8M | $127,000 | 7.74% | 26% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| IN | 35 | $3.1M | $89,857 | 7.39% | 30% | 0% |
| MI | 7 | $1.2M | $165,000 | 7.05% | 33% | 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.