Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Montana Federal Credit Union
Montana Federal Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
3
+50.0% vs 2024Originations
$155,000
Loans x average loanAverage loan
$51,667
Average interest rate
6.99%
Denial rate
14%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 7 | 3 | $155,000 | $51,667 | 6.99% | 14% | 0% |
| 2024 | 2 | 2 | $420,000 | $210,000 | 6.87% | 0% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MT | 3 | $155,000 | $51,667 | 6.99% | 14% | 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.