Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › ALLEGACY FEDERAL CREDIT UNION
ALLEGACY FEDERAL CREDIT UNION
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
49
+32.4% vs 2024Originations
$4.4M
Loans x average loanAverage loan
$90,510
Average interest rate
5.86%
Denial rate
15%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 75 | 49 | $4.4M | $90,510 | 5.86% | 15% | 0% |
| 2024 | 55 | 37 | $2.8M | $76,892 | 5.58% | 11% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NC | 46 | $3.8M | $81,957 | 5.86% | 15% | 0% |
| GA | 1 | $105,000 | $105,000 | 5.75% | 0% | 0% |
| VA | 1 | $105,000 | $105,000 | 5.75% | 0% | 0% |
| WA | 1 | $455,000 | $455,000 | 6.13% | 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.