Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › GULF COAST BANK AND TRUST
GULF COAST BANK AND TRUST
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
9
+800.0% vs 2024Originations
$2.4M
Loans x average loanAverage loan
$268,333
Average interest rate
7.05%
Denial rate
32%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 19 | 9 | $2.4M | $268,333 | 7.05% | 32% | 0% |
| 2024 | 7 | 1 | $165,000 | $165,000 | 6.5% | 14% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| LA | 6 | $1.6M | $258,333 | 7.13% | 38% | 0% |
| FL | 2 | $550,000 | $275,000 | 7% | 0% | 0% |
| TX | 1 | $315,000 | $315,000 | 6.75% | 50% | 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.