Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › BAYER HFCU
BAYER HFCU
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
14
+75.0% vs 2024Originations
$2.3M
Loans x average loanAverage loan
$163,571
Average interest rate
5.93%
Denial rate
17%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 18 | 14 | $2.3M | $163,571 | 5.93% | 17% | 0% |
| 2024 | 18 | 8 | $790,000 | $98,750 | 5.95% | 33% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WV | 12 | $1.8M | $146,667 | 5.94% | 14% | 0% |
| SC | 2 | $530,000 | $265,000 | 5.88% | 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.