Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › NORTH BAY CREDIT UNION
NORTH BAY CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
14
-26.3% vs 2024Originations
$1.9M
Loans x average loanAverage loan
$132,857
Average interest rate
8.89%
Denial rate
14%
Home only share
79%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 22 | 14 | $1.9M | $132,857 | 8.89% | 14% | 79% |
| 2024 | 32 | 19 | $3.4M | $178,684 | 9.21% | 31% | 89% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| CA | 14 | $1.9M | $132,857 | 8.89% | 14% | 79% |
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.