Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › The Golden 1 Credit Union
The Golden 1 Credit Union
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
30
+36.4% vs 2024Originations
$3.9M
Loans x average loanAverage loan
$131,333
Average interest rate
7.4%
Denial rate
55%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 87 | 30 | $3.9M | $131,333 | 7.4% | 55% | 0% |
| 2024 | 79 | 22 | $4.8M | $219,091 | 7.46% | 52% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| CA | 30 | $3.9M | $131,333 | 7.4% | 55% | 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.