Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › GUARDIAN BANK
GUARDIAN BANK
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
21
+31.3% vs 2024Originations
$1.7M
Loans x average loanAverage loan
$78,810
Average interest rate
n/a
Denial rate
4%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 25 | 21 | $1.7M | $78,810 | n/a | 4% | n/a |
| 2024 | 16 | 16 | $970,000 | $60,625 | n/a | 0% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| GA | 18 | $1.5M | $81,111 | n/a | 5% | n/a |
| FL | 3 | $195,000 | $65,000 | n/a | 0% | n/a |
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.