Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Utica Gas & Electric FCU
Utica Gas & Electric FCU
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
4
+300.0% vs 2024Originations
$460,000
Loans x average loanAverage loan
$115,000
Average interest rate
6.56%
Denial rate
0%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 4 | 4 | $460,000 | $115,000 | 6.56% | 0% | 0% |
| 2024 | 1 | 1 | $135,000 | $135,000 | 7.88% | 0% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NY | 4 | $460,000 | $115,000 | 6.56% | 0% | 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.