Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › EastRise Federal Credit Union
EastRise Federal Credit Union
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
119
+38.4% vs 2024Originations
$13.4M
Loans x average loanAverage loan
$112,479
Average interest rate
7%
Denial rate
8%
Home only share
31%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 167 | 119 | $13.4M | $112,479 | 7% | 8% | 31% |
| 2024 | 131 | 86 | $11.3M | $131,395 | 7.52% | 8% | 29% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| VT | 118 | $13.4M | $113,220 | 7% | 8% | 31% |
| NH | 1 | $25,000 | $25,000 | 7.5% | 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.