Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › FIRST COMMUNITY CREDIT UNION
FIRST COMMUNITY CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
16
+14.3% vs 2024Originations
$1.7M
Loans x average loanAverage loan
$107,500
Average interest rate
6.64%
Denial rate
23%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 26 | 16 | $1.7M | $107,500 | 6.64% | 23% | 0% |
| 2024 | 20 | 14 | $1.7M | $124,286 | 7.34% | 20% | 7% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MO | 13 | $1.5M | $118,077 | 6.66% | 26% | 0% |
| IL | 3 | $185,000 | $61,667 | 6.55% | 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.