Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › GEORGIA'S OWN CREDIT UNION
GEORGIA'S OWN CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
21
-54.3% vs 2024Originations
$2.4M
Loans x average loanAverage loan
$115,952
Average interest rate
8.03%
Denial rate
44%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 61 | 21 | $2.4M | $115,952 | 8.03% | 44% | 0% |
| 2024 | 184 | 46 | $4.5M | $97,391 | 10.41% | 57% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| GA | 12 | $1.2M | $101,667 | 7.21% | 47% | 0% |
| ID | 2 | $250,000 | $125,000 | 9.88% | 33% | 0% |
| WA | 2 | $190,000 | $95,000 | 9.5% | 50% | 0% |
| TN | 1 | $185,000 | $185,000 | 6.38% | 0% | 0% |
| UT | 1 | $55,000 | $55,000 | 8.75% | 0% | 0% |
| SC | 1 | $55,000 | $55,000 | 10.5% | 33% | 0% |
| OR | 1 | $305,000 | $305,000 | 7.75% | 50% | 0% |
| CO | 1 | $175,000 | $175,000 | 10% | 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.