Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › UNIVERSITY OF KY FCU
UNIVERSITY OF KY FCU
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
14
-22.2% vs 2024Originations
$880,000
Loans x average loanAverage loan
$62,857
Average interest rate
7.5%
Denial rate
32%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 38 | 14 | $880,000 | $62,857 | 7.5% | 32% | 0% |
| 2024 | 39 | 18 | $1.0M | $57,222 | 8.47% | 26% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| KY | 14 | $880,000 | $62,857 | 7.5% | 32% | 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.