Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › GUILD MORTGAGE COMPANY
GUILD MORTGAGE COMPANY
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
3,714
+15.4% vs 2024Originations
$786.3M
Loans x average loanAverage loan
$211,710
Average interest rate
6.61%
Denial rate
7%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 5,454 | 3,714 | $786.3M | $211,710 | 6.61% | 7% | 0% |
| 2024 | 4,656 | 3,218 | $670.7M | $208,434 | 6.77% | 6% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WA | 371 | $112.6M | $303,518 | 6.57% | 5% | 0% |
| AZ | 351 | $72.7M | $207,080 | 6.62% | 5% | 0% |
| NV | 323 | $81.1M | $251,161 | 6.61% | 4% | 0% |
| TX | 303 | $54.9M | $181,304 | 6.71% | 7% | 0% |
| OR | 301 | $88.0M | $292,276 | 6.5% | 3% | 0% |
| NM | 199 | $25.7M | $128,970 | 6.77% | 9% | 0% |
| CO | 191 | $45.4M | $237,723 | 6.43% | 5% | 0% |
| SC | 189 | $32.5M | $171,772 | 6.68% | 10% | 0% |
| ME | 151 | $31.9M | $211,225 | 6.49% | 7% | 0% |
| GA | 128 | $21.1M | $164,453 | 6.76% | 9% | 0% |
| FL | 120 | $19.4M | $161,750 | 6.72% | 11% | 0% |
| MO | 114 | $17.7M | $155,526 | 6.74% | 5% | 0% |
| NC | 107 | $17.1M | $160,140 | 6.78% | 3% | 0% |
| AL | 99 | $13.3M | $133,889 | 6.63% | 7% | 0% |
| UT | 94 | $23.4M | $249,043 | 6.43% | 3% | 0% |
| CA | 84 | $25.4M | $302,738 | 5.96% | 9% | 0% |
| ID | 71 | $15.7M | $221,338 | 6.57% | 8% | 0% |
| LA | 62 | $7.9M | $127,097 | 6.81% | 8% | 0% |
| OK | 50 | $7.9M | $158,800 | 6.76% | 4% | 0% |
| MI | 49 | $6.4M | $131,122 | 6.83% | 8% | 0% |
| WY | 42 | $8.8M | $208,810 | 6.41% | 11% | 0% |
| TN | 37 | $7.1M | $192,568 | 6.73% | 6% | 0% |
| WI | 34 | $6.1M | $179,118 | 6.78% | 9% | 0% |
| MT | 33 | $8.3M | $251,364 | 6.23% | 0% | 0% |
| IN | 29 | $5.0M | $172,241 | 6.69% | 2% | 0% |
| MS | 27 | $3.7M | $135,370 | 6.96% | 16% | 0% |
| IL | 22 | $3.1M | $143,182 | 6.67% | 11% | 0% |
| VA | 19 | $3.2M | $170,789 | 6.37% | 17% | 0% |
| PA | 18 | $3.0M | $164,444 | 6.66% | 19% | 0% |
| DE | 15 | $4.0M | $265,667 | 6.22% | 31% | 0% |
| AR | 13 | $2.1M | $158,846 | 6.65% | 32% | 0% |
| KY | 11 | $1.2M | $112,273 | 6.18% | 6% | 0% |
| KS | 11 | $1.7M | $154,091 | 6.83% | 22% | 0% |
| VT | 11 | $2.4M | $215,909 | 6.5% | 0% | 0% |
| IA | 8 | $1.1M | $132,500 | 6.88% | 0% | 0% |
| NH | 5 | $895,000 | $179,000 | 6.5% | 25% | 0% |
| MD | 5 | $1.2M | $239,000 | 7.15% | 0% | 0% |
| OH | 4 | $760,000 | $190,000 | 6.19% | 0% | 0% |
| MN | 4 | $920,000 | $230,000 | 6.65% | 14% | 0% |
| WV | 3 | $685,000 | $228,333 | 6.92% | 0% | 0% |
| ND | 2 | $220,000 | $110,000 | 5.95% | 33% | 0% |
| MA | 2 | $220,000 | $110,000 | 7.25% | 33% | 0% |
| NE | 1 | $275,000 | $275,000 | 7.5% | 0% | 0% |
| AK | 1 | $285,000 | $285,000 | 7.38% | 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.