Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Mid Oregon Federal Credit Union
Mid Oregon Federal Credit Union
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
100
-7.4% vs 2024Originations
$9.5M
Loans x average loanAverage loan
$95,200
Average interest rate
8.57%
Denial rate
21%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 160 | 100 | $9.5M | $95,200 | 8.57% | 21% | 0% |
| 2024 | 171 | 108 | $11.5M | $106,759 | 9.72% | 16% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| OR | 100 | $9.5M | $95,200 | 8.57% | 20% | 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.