Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Alabama ONE Credit Union
Alabama ONE Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
19
+111.1% vs 2024Originations
$2.5M
Loans x average loanAverage loan
$131,316
Average interest rate
7.39%
Denial rate
16%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 25 | 19 | $2.5M | $131,316 | 7.39% | 16% | 0% |
| 2024 | 19 | 9 | $855,000 | $95,000 | 7.58% | 37% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| AL | 19 | $2.5M | $131,316 | 7.39% | 16% | 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.