Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › TWINSTAR CREDIT UNION
TWINSTAR CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
17
-15.0% vs 2024Originations
$2.6M
Loans x average loanAverage loan
$155,000
Average interest rate
7.7%
Denial rate
69%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 80 | 17 | $2.6M | $155,000 | 7.7% | 69% | 0% |
| 2024 | 79 | 20 | $11.3M | $564,000 | 7.05% | 62% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| OR | 10 | $1.9M | $188,000 | 7.04% | 56% | 0% |
| WA | 7 | $755,000 | $107,857 | 8.64% | 75% | 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.