Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Centris Federal Credit Union
Centris Federal Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
7
-36.4% vs 2024Originations
$445,000
Loans x average loanAverage loan
$63,571
Average interest rate
7.4%
Denial rate
17%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 12 | 7 | $445,000 | $63,571 | 7.4% | 17% | 0% |
| 2024 | 16 | 11 | $835,000 | $75,909 | 6.85% | 6% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NE | 5 | $325,000 | $65,000 | 7.92% | 13% | 0% |
| IA | 2 | $120,000 | $60,000 | 6.12% | 25% | 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.