Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › CLEARWATER FEDERAL CREDIT UNION
CLEARWATER FEDERAL CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
10
-28.6% vs 2024Originations
$2.2M
Loans x average loanAverage loan
$224,000
Average interest rate
7.62%
Denial rate
33%
Home only share
30%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 21 | 10 | $2.2M | $224,000 | 7.62% | 33% | 30% |
| 2024 | 27 | 14 | $1.3M | $92,857 | 8.84% | 33% | 71% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MT | 10 | $2.2M | $224,000 | 7.62% | 33% | 30% |
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.