Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Cotton Belt Federal Credit Union
Cotton Belt Federal Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
7
-36.4% vs 2024Originations
$405,000
Loans x average loanAverage loan
$57,857
Average interest rate
7.11%
Denial rate
8%
Home only share
14%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 13 | 7 | $405,000 | $57,857 | 7.11% | 8% | 14% |
| 2024 | 19 | 11 | $1.4M | $128,636 | 6.69% | 21% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| AR | 7 | $405,000 | $57,857 | 7.11% | 8% | 14% |
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.