Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Bellwether Community Credit Union
Bellwether Community Credit Union
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
74
+155.2% vs 2024Originations
$8.2M
Loans x average loanAverage loan
$111,081
Average interest rate
7.94%
Denial rate
28%
Home only share
96%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 130 | 74 | $8.2M | $111,081 | 7.94% | 28% | 96% |
| 2024 | 69 | 29 | $2.6M | $88,103 | 8.11% | 36% | 100% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NH | 68 | $7.6M | $111,765 | 7.9% | 29% | 96% |
| MA | 6 | $620,000 | $103,333 | 8.41% | 10% | 100% |
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.