Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › THE SUMMIT FEDERAL CREDIT UNION
THE SUMMIT FEDERAL CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
4
+33.3% vs 2024Originations
$510,000
Loans x average loanAverage loan
$127,500
Average interest rate
6.88%
Denial rate
17%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 6 | 4 | $510,000 | $127,500 | 6.88% | 17% | 0% |
| 2024 | 7 | 3 | $295,000 | $98,333 | 7.28% | 29% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NY | 4 | $510,000 | $127,500 | 6.88% | 17% | 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.