Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › VyStar Credit Union
VyStar Credit Union
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
120
+0.8% vs 2024Originations
$12.3M
Loans x average loanAverage loan
$102,917
Average interest rate
6.82%
Denial rate
51%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 406 | 120 | $12.3M | $102,917 | 6.82% | 51% | 0% |
| 2024 | 434 | 119 | $11.1M | $93,235 | 7.83% | 52% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| FL | 119 | $12.2M | $102,731 | 6.83% | 50% | 0% |
| GA | 1 | $125,000 | $125,000 | 5.63% | 88% | 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.