Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Members Choice Credit Union
Members Choice Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
16
+14.3% vs 2024Originations
$1.9M
Loans x average loanAverage loan
$115,625
Average interest rate
n/a
Denial rate
5%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 21 | 16 | $1.9M | $115,625 | n/a | 5% | n/a |
| 2024 | 15 | 14 | $1.5M | $110,000 | 7.14% | 7% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| KY | 13 | $1.6M | $119,615 | n/a | 6% | n/a |
| OH | 3 | $295,000 | $98,333 | n/a | 0% | n/a |
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.