Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Self-Help Credit Union
Self-Help Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
22
+22.2% vs 2024Originations
$4.9M
Loans x average loanAverage loan
$223,182
Average interest rate
8.4%
Denial rate
20%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 30 | 22 | $4.9M | $223,182 | 8.4% | 20% | 0% |
| 2024 | 27 | 18 | $3.3M | $180,556 | 8.56% | 30% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NC | 21 | $4.7M | $223,571 | 8.49% | 21% | 0% |
| SC | 1 | $215,000 | $215,000 | 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.