Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › GUARANTY BANK & TRUST COMPANY
GUARANTY BANK & TRUST COMPANY
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
32
+190.9% vs 2024Originations
$2.0M
Loans x average loanAverage loan
$64,063
Average interest rate
9.01%
Denial rate
32%
Home only share
16%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 59 | 32 | $2.0M | $64,063 | 9.01% | 32% | 16% |
| 2024 | 38 | 11 | $805,000 | $73,182 | n/a | 58% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MS | 32 | $2.0M | $64,063 | 9.01% | 32% | 16% |
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.