Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Embold Federal Credit Union
Embold Federal Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
18
+100.0% vs 2024Originations
$1.7M
Loans x average loanAverage loan
$96,667
Average interest rate
7.95%
Denial rate
21%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 28 | 18 | $1.7M | $96,667 | 7.95% | 21% | 0% |
| 2024 | 19 | 9 | $1.3M | $143,889 | 8.62% | 53% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| OR | 17 | $1.7M | $97,941 | 7.95% | 19% | 0% |
| WA | 1 | $75,000 | $75,000 | 7.94% | 50% | 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.