Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Spokane Teachers Credit Union
Spokane Teachers Credit Union
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
60
-4.8% vs 2024Originations
$12.4M
Loans x average loanAverage loan
$207,167
Average interest rate
7.56%
Denial rate
36%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 218 | 60 | $12.4M | $207,167 | 7.56% | 36% | 0% |
| 2024 | 176 | 63 | $10.1M | $159,921 | 8.49% | 38% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WA | 50 | $10.7M | $213,000 | 7.51% | 34% | 0% |
| ID | 9 | $1.7M | $190,556 | 7.97% | 49% | 0% |
| OR | 1 | $65,000 | $65,000 | 6.38% | 38% | 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.