Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › ARMCO CREDIT UNION
ARMCO CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
21
-4.5% vs 2024Originations
$1.5M
Loans x average loanAverage loan
$69,762
Average interest rate
7.52%
Denial rate
7%
Home only share
48%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 30 | 21 | $1.5M | $69,762 | 7.52% | 7% | 48% |
| 2024 | 24 | 22 | $1.8M | $80,455 | 7.72% | 8% | 14% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| PA | 21 | $1.5M | $69,762 | 7.52% | 7% | 48% |
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.