Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › CAPITAL CREDIT UNION
CAPITAL CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
17
+54.5% vs 2024Originations
$3.0M
Loans x average loanAverage loan
$177,941
Average interest rate
6.81%
Denial rate
0%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 21 | 17 | $3.0M | $177,941 | 6.81% | 0% | 0% |
| 2024 | 12 | 11 | $2.3M | $212,273 | 7.72% | 0% | 36% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| ND | 14 | $2.5M | $180,000 | 6.8% | 0% | 0% |
| MN | 2 | $180,000 | $90,000 | 7% | 0% | 0% |
| WY | 1 | $325,000 | $325,000 | 6.5% | 0% | 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.