Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Truliant Federal Credit Union
Truliant Federal Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
299
+16.3% vs 2024Originations
$23.3M
Loans x average loanAverage loan
$78,010
Average interest rate
7.62%
Denial rate
56%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 803 | 299 | $23.3M | $78,010 | 7.62% | 56% | 0% |
| 2024 | 471 | 257 | $19.8M | $77,023 | 8.22% | 38% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NC | 229 | $17.8M | $77,576 | 7.63% | 49% | 0% |
| VA | 49 | $4.0M | $81,939 | 7.58% | 44% | 0% |
| SC | 13 | $935,000 | $71,923 | 7.57% | 72% | 0% |
| GA | 4 | $220,000 | $55,000 | 8.05% | 50% | 0% |
| FL | 3 | $325,000 | $108,333 | 7.17% | 74% | 0% |
| TN | 1 | $65,000 | $65,000 | 8.67% | 93% | 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.