Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › GUARANTEED RATE AFFINITY, LLC
GUARANTEED RATE AFFINITY, LLC
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
117
+19.4% vs 2024Originations
$30.1M
Loans x average loanAverage loan
$257,308
Average interest rate
6.75%
Denial rate
7%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 199 | 117 | $30.1M | $257,308 | 6.75% | 7% | 0% |
| 2024 | 185 | 98 | $23.5M | $239,388 | 6.97% | 17% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| AZ | 24 | $5.9M | $246,250 | 6.86% | 9% | 0% |
| FL | 16 | $3.3M | $207,500 | 6.45% | 5% | 0% |
| NC | 9 | $1.7M | $187,222 | 7.07% | 0% | 0% |
| CA | 9 | $4.1M | $458,333 | 6.52% | 13% | 0% |
| SC | 8 | $1.3M | $157,500 | 6.69% | 13% | 0% |
| OH | 7 | $1.4M | $200,714 | 7.08% | 0% | 0% |
| TX | 6 | $1.1M | $190,000 | 6.7% | 0% | 0% |
| PA | 6 | $1.6M | $266,667 | 6.63% | 14% | 0% |
| CO | 4 | $1.7M | $432,500 | 6.39% | 0% | 0% |
| MO | 4 | $850,000 | $212,500 | 6.54% | 11% | 0% |
| NH | 3 | $895,000 | $298,333 | 6.84% | 0% | 0% |
| WA | 3 | $1.5M | $505,000 | 6.83% | 0% | 0% |
| GA | 3 | $535,000 | $178,333 | 7.7% | 0% | 0% |
| DE | 2 | $590,000 | $295,000 | 6.59% | 0% | 0% |
| IN | 2 | $250,000 | $125,000 | 7.38% | 0% | 0% |
| MN | 2 | $510,000 | $255,000 | 6.21% | 0% | 0% |
| OR | 2 | $680,000 | $340,000 | 6.75% | 0% | 0% |
| WI | 2 | $480,000 | $240,000 | 6.8% | 25% | 0% |
| MT | 1 | $295,000 | $295,000 | 6.58% | 0% | 0% |
| VA | 1 | $375,000 | $375,000 | 6.6% | 0% | 0% |
| MI | 1 | $165,000 | $165,000 | 6.28% | 0% | 0% |
| WV | 1 | $415,000 | $415,000 | 6.58% | 0% | 0% |
| TN | 1 | $375,000 | $375,000 | 6.75% | 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.