Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › RAILWAY CREDIT UNION
RAILWAY CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
15
-6.3% vs 2024Originations
$1.1M
Loans x average loanAverage loan
$73,000
Average interest rate
n/a
Denial rate
25%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 24 | 15 | $1.1M | $73,000 | n/a | 25% | n/a |
| 2024 | 18 | 16 | $1.7M | $108,125 | n/a | 11% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| ND | 15 | $1.1M | $73,000 | n/a | 25% | n/a |
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.