Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › EMPOWER FEDERAL CREDIT UNION
EMPOWER FEDERAL CREDIT UNION
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
45
+45.2% vs 2024Originations
$5.6M
Loans x average loanAverage loan
$125,000
Average interest rate
6.78%
Denial rate
29%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 96 | 45 | $5.6M | $125,000 | 6.78% | 29% | 0% |
| 2024 | 73 | 31 | $4.2M | $135,000 | 6.77% | 44% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NY | 45 | $5.6M | $125,000 | 6.78% | 28% | 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.